Abstract: Systems and methods are provided for processing a request for a product. The processing the request includes receiving a preliminary request from a client device for a product including identity information of a requestor and conditions of the product without specifying a particular product. The disclosed technology generates a list of eligible products for the requester to select one product. A determiner receives a request for a product and information needed to approve a use of the product (e.g., underwriting a mortgage application). The disclosed technology automatically retrieves verified information associated with the requestor from various data providers and requests for underwriting by one or more underwriters distributed over the network. The determiner determines a result of the request for the product based on decisions made the underwriters. The client device solicits for uploading additional information and documents needed to fully approve the request for the product.

Abstract: Not-started CRM dialogs are described to facilitate dialog management in a cooperative manner between a CRM system and a client. A workflow defining a set of actions to complete for a business process can trigger a dialog in a “not-started” state and assign the dialog to a particular user. Pending completion of the dialog, the workflow can be paused or continue in the background to a designated stopping point. The dialog that is assigned can appear in a list of scheduled/pending tasks for the particular user and can include a link or other functionality to resume the dialog. Selection of the dialog from the task list can cause the dialog to resume to an “in-progress” state and the status of the dialog can be updated. Thereafter, the workflow can detect completion of the dialog and continue with further actions to complete the business process.