Patent ID: 7076458

Claim:
A system for handling delivery of at least one electronic service to multiple remote users through use of (a) an interbank financial services network connected to multiple financial institutions, and (b) a telecommunications network, the remote users being located at a home or office, the system including: a communications device receiving, from remote users' homes or offices over the telecommunications network, 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; a processing arrangement coupled to the communications device, the processing arrangement generating an Automatic Teller Machine (ATM) network compatible request message based at least in part on the received service request message and said associated digitally encoded user identifying information, said processing arrangement communicating with the interbank financial services network, the processing arrangement 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.