Patent ID: 8266054

Claim:
A computer-implemented system for obtaining application data from an applicant through a dynamically created network based application form in order to receive an application for multiple products or services offered by a single entity, the system comprising: a dynamic application module utilized by a host server for receiving a request over a network from a customer computing system to apply for at least two of a plurality of products or services offered by the entity, the dynamic application module determining categories of information required for the at least two selected products or services, wherein specific categories of information are required to be submitted to apply for each one of the products or services, the dynamic application module dynamically creating an application requesting data corresponding to the information categories from the customer computing system required to apply for the at least two of a plurality of products or services available through the entity, and receiving the data requested over the network at the host server; a universal session manager in communication with said dynamic application module, said universal session manager for creating a verification of the customer originating the request and determining if the customer is logged into the system; a profile database in communication with said dynamic application module and universal session manager, said profile database for providing stored data regarding the customer originating the request, wherein the dynamic application module receives the stored data to fill application fields if the customer is logged into the system; and a decision module utilized by the host server, the decision module in communication with said dynamic application module, said decision module for receiving the data, generating a decision regarding the application using a computer processor, and providing the decision to said dynamic application module.