Patent ID: 6202054
Filing Date: 2001-03-13
Classification: G06Q,H04M

Abstract:
A process for handling delivery of at least one electronic service to multiple remote users through use of a public telecommunications network and an interbank financial services network connected to multiple financial institutions, the process including the following steps:(a) receiving, over the telecommunications network from a remote user's home or office, at least one digital service request message requesting a service to be fulfilled, said digital service request message including a digitally encoded electronic service request and associated digitally encoded user identifying information;(b) generating an Automatic Teller Machine (ATM) network compatible request message based at least in part on the service request message received by step (a) and said associated digitally encoded user identifying information;(c) applying the generated ATM network compatible request message to said interbank financial services network so as to route the ATM network compatible request message to a selected one of said multiple financial institutions and effect a real time debit or credit financial transaction at said selected financial institution so as to shift liability to said selected financial institution in real time;(d) facilitating the fulfillment of said service requested in said service request message; and(e) repeating said steps (a)-(d) for multiple remote users.