Its means cybersex. So its not the same as talking.
Its the word you use when you dont when anyone eavesdropping to know what you're talking about. Sometimes you say it with really obvious quotes, sometimes just like the word talking. It depends on how thick the person you're talking to is, or whos listening.
Sometimes used when you dont want the person you're talking to to know you had cybersex.
Person 2: "Yeh! We "talked" on MSN!"
Girl 1: brb im busy
Girl 2: huh?
Girl 1: im "talking" to -boy-
Girl 2: OOOHHH kk bye ;)
(when you dont want the person you're talking to to know what you mean)
Nosey boy: "Hey, speak to your girlfriend lately?"
Other boy: "Yeah.. We "talk" online most days."