I'll answer honestly what's possible and what's not.

A "system" or whatever term you wish to call it, a program perhaps, that could be implemented into an already existing game.

Possible.

The "system" will be an optional selection, that the end-user can select to navigate through various other "system" menus. This would be a selectable option from a Main Menu screen for example.

Possible. I explain how in my first post (replacing the DLLs with proxy DLLs).

The "system" would have to be able to retrieve stored personal data, such as a person's Xbox Live personal information to include credit card/banking information, or access a data base such as Windows live ID or Sony's user databases.

100% illegal (and automaticly FBI-related, as opposed to just local police) and very difficult even if it wasn't illegal.

Not only would go to prison for trying to access financial details, you'd have to manually write the code unique for every game - because every game does it differently, using different encryption. The only thing you can easily, and legally, access is the user details Microsoft and Sony deliberately make available - what games they own, what achievements they've unlocked, what gamer score they have, and so on.

If you're after stealing their credit information, robbing a bank with a gun is easier and you are more likely to get away without being caught.

If you're after legitimately using their credit information, you'll have to ask users to give it to you in the same way Microsoft and Sony have done.

The "system" will display pertinent information on various parts of the screen when the end-user has accessed "the system" such as account totals, which is data retrieved from the last bullet.

Displaying information on-screen can be done by proxying the DLL.

The "system" will use already existing matchmaking systems / servers to pair players. The matchmaking systems / servers criteria will be able to filter end-users who selected the "system" vs. end-users who did not.

Not possible at all, without manually writing unique code for every single game. Every game does it differently. The best you can do is come up with an entirely separate match-making system, like XFire - but that still won't work for some games.

The "system" will record wins/losses in any game, store the data, and based on specified variables, access players credit card / banking information and make pre-selected changes.

Not possible without manually writing complex (and *possibly* illegal, depending on the game) unique code for each game.

The "system" will have be able to transmit several sets of financial data to various places, for example; GAME ----> PLAYER/s ACCOUNT/s -----> XBOX LIVE--->FINANCIAL INSTITUTION

You can't send to, or take from, XBox Live - but you can send to the banks, hooking (legally) into a service like PayPal.

I understand what you are trying to do - some people have made games like that before - but it's not possible to make a generic system that works for any game, without writing alot of unique code, and for each new game that comes out, you'd have to write a unique solution for. And each time the game is patched or updated, it could break your unique code (intentionally or accidentally) and force you to rewrite it a different way.

The only other way to do it is for you to provide an API that game developers willing include in their game.

In-short, without writing complex and unique code for each different game, you can: A) Add data to exist games, but not B) read data from existing games.

You can run your logic next to existing games, but not mix logic into existing games.

That's the best way I can explain it to a non-technical person. Since every game is written differently, you are forced to interact with each game in a different way, requiring different code for each game.

• The "system" would have to be able to retrieve stored personal data, such as a person's Xbox Live personal information to include credit card/banking information, or access a data base such as Windows live ID or Sony's user databases.

Do you even realize what you are asking here? You might as well be saying, "legal issues aside, where would I go to learn how to steal a car?".