Patent ID: 7818254

Claim:
An apparatus for receiving an application made by an applicant and for assessing the application by a plurality of application recipients, said apparatus comprising: computer memory; and a processor for executing instruction for: (a) collecting at least two sets of decision criteria from at least two application recipients, each set comprising one or more decision criteria, and each decision criterion having a respective value, boundary or range; (b) determining respective unions of the values, boundaries or ranges of respective same decision criterion present in the at least two sets of decision criteria by analyzing the data value, boundary or range boundary requirements of each same decision criteria in the at least two sets of decision criteria; (c) generating a superset of decision criteria which comprises at least one decision criterion from the at least two sets of decision criteria with the determined respective union of values, boundary or ranges; (d) storing or accessing the superset of decision criteria; (e) ranking decision criteria according to level of dependency; (f) optimizing a questioning sequence to reduce or minimize a total number of queries; (g) presenting the applicant with a request for application information constituting the application for the two or more of the plurality of application recipients, said application information being requested by queries associated with said superset of decision criteria for the two or more of the plurality of application recipients, said queries presented according to said questioning sequence; (h) receiving the application information; (i) accessing said decision criteria of said application recipients; (j) accessing said application according to said decision criteria of each of said application recipients; and (k) forming a respective separate assessment of said application for each of said application recipients, each respective separate assessment being an approval or a rejection of the application.