Patent ID: 8843939

Claim:
An application processing engine computer system, comprising: at least one computer database; and an application processing computer in communication with said at least one database, the application processing computer configured to process an application for at least one product using a plurality of coordinated, configurable services, comprising: an application data management service, responsive to the application, receiving and updating application data based on front end data from a front end user interface, internal data from an internal database, and external data from an external database; an application process flow management service generating an application record and executing at least one macro service; a decisioning service determining a decision for the application based on the application data; an application processing host service retrieving the internal data and the external data, and processing instructions responsive to predetermined and configurable service rules to complete the application process; an application activity monitoring service monitoring application processing activity and providing activity data and metrics; a queue management service managing applications that are pending and unable to be processed via straight through processing of the application; and a system maintenance service supporting communications, application archiving, application aging, and application expiry processes, and restarting of pending applications based on user configurable criteria, wherein the front end user interface is configured to be accessible by both a customer channel providing access to a customer computer to provide customer data for the application to be processed and a staff channel providing access to a staff computer to provide application processing data used in the processing of the application by the application processing engine computer system.