Embodiments of the invention provide for methods, apparatuses, and computerprogram products for providing a financial institution check-out system forprocessingonline transactions using a customer's pre-existing online financialinstitution profile. Acustomer desiring to checkout from an online vendor's electronic marketplaceis given achoice to checkout using a financial institution's secure checkout widget,which isrendered alongside the customer computer system's web browser application by afinancial institution server. The widget authenticates the customer as afinancialinstitution account owner, and the financial institution server displays tothe customer hisor her available payment accounts and receives customer input regarding thedesiredpayment account. The server runs a payment service engine that controlspayment forthe transaction, and then the widget communicates proof of successful paymentto thevendor server. The vendor server receives payment confirmation from thefinancialinstitution server and thereafter communicates successful payment confirmationto thecustomer via the vendor's checkout interface.
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