Computer architecture and process for application processing engine
First Claim
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1. 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.
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Abstract
An application processing engine computer system is configured to process an application for at least one of a product and service using a plurality of coordinated, configurable services. The application processing engine includes an application data management service, an application process flow management service, a decisioning service, an application processing host service, an application activity monitoring service, a queue management service and/or a system maintenance service. Various embodiments are described, including a computer implemented method for processing an application using an application processing engine component and/or module.
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Citations
36 Claims
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1. An application processing engine computer system, comprising:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25)
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26. A computer implemented method for processing an application for at least one product by an application processing computer in communication with at least one database, comprising:
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receiving and updating application data, by the application processing computer implementing an application data management service, based on front end data from a front end user interface, internal data from an internal database, and external data from an external database; generating an application record and executing at least one macro service, by the application processing computer implementing an application process flow management service; determining a decision for the application, by the application processing computer implementing, a decisioning service, based on the application data; retrieving the intermit data and the external data, and processing instructions responsive to predetermined and configurable service rules, by the application processing computer implementing an application processing host service, to complete the application process; monitoring application processing activity and providing activity data and metrics, by the application processing computer implementing an application activity monitoring service; managing applications that are pending and unable to be processed via straight through processing of the application, by the application processing computer implementing a queue management service; and supporting communications, application archiving, application aging, and application expiry processes, and restarting of pending applications, by the application processing computer implementing a system maintenance service, based on user configurable criteria, wherein the front end user interface is configured to be accessible by both 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. - View Dependent Claims (27, 28, 29, 30, 31, 32, 33, 34, 35, 36)
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Specification