Patent ID: 8429538

Claim:
A computer-implemented method for processing applicant input information, the method implementing an application processing system for use in creating and processing an application for one or more selected financial services products, the method comprising: accepting the applicant input information in one of multiple available input formats through an input interface over one of multiple distinct input channels; generating a graphical user interface using a GUI generator for mediation between the applicant and the application processing system; implementing computer processing components to perform steps including: identifying the input channel and collecting the applicant input information; validating the applicant input information; automatically correcting any errors detected in the applicant input information; automatically selecting one or more decision engines based on the applicant input information and the one or more selected financial services products; selecting a required format corresponding to the selected decision engine from a plurality of available formats stored in a library of decision engine proxies; converting the applicant input information into application data according to the corresponding required format; routing the application data to the one or more selected decision engines to process the application data; and establishing terms of an offer for the one or more selected financial services products based on a decision of the one or more selected decision engines; and receiving the decision from the one or more selected decision engines.