Patent ID: 8694461

Claim:
A system comprising: a processor configured to retrieve data, a tangible, non-transitory memory configured to communicate with the processor, the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising: writing, by the processor, a change record to a master change table; monitoring, by the processor, the master change table by a master interval control element (ICE) Chain; allocating, by the processor, among child change tables with associated child ICE Chains a portion of an extract task using a master ICE Chain application, wherein the master ICE Chain application is associated with a legacy Cobol programed system; executing, by the processor, for each child ICE Chain, an application service program that captures data from a plurality of databases; and performing, by the processor, application transformation logic that creates a consumption ready record, wherein the data in the consumption ready record is available without requiring additional computations, wherein the consumption ready record is written to a cache table, wherein requests for information associated with the change record are available for retrieval without additional computation, wherein changes to the consumption ready record are populated as current data, in response to changes to data related to an associated account occurring and being received by a transaction account issuer system, and wherein responses to requests for calculations of current data related to an associated account are available in substantially real-time, without performing the calculations in response to the request.