The present invention provides for a system and method for processing multiple electronic messages in one transmission, or data group, and responding individually to the service requests based on urgency indicators present in the data group. The disclosure describes a system that contains a switch and includes remote access devices, financial institution computers, and service provider computers all connected to the switch. Customers at remote access devices select desired services and the remote access devices construct a data group containing service requests consistent with the protocol described in the invention. The data group includes urgency indicators associated with each service requested. The urgency indicators can represent three different modes: transaction interactive, batch-interactive, or non-interactive. Depending upon the indicator, the switch will respond to the remote access devices either immediately, in a single response after the entire service request is received, or not at all, respectively. The switch will then communicate with the appropriate financial institution computer, service provider computer or remote access device to complete the transaction.