Abstract: Systems and methods are provided for processing loan applications in dynamic workflows. In a preferred embodiment, a system calls an activity engine with a top-level activity for processing a work-item, e.g., a loan application. The activity engine decomposes the top-level activity into child activities and lower-level child activities, and recursively calls itself to process the child activities until all constituent child activities have been preformed, thus performing the original top-level activity. In the preferred embodiment, each activity, work-item, user, event and role has associated rules, wherein an event represents a change in state of an activity and a role represents a class of users of the system having shared attributes. The evaluation of the associated rules dynamically creates the flow of activities, thereby creating a dynamic workflow.

Abstract: The present invention provides an automated interactive system that enables an author to build applications that handle complex consumer-merchant interactions. The author designs content components and application rules that are interpreted by the system dynamically, at runtime, to generate and deliver to users personalized HTML web pages, including client-side objects that track user behavior and enhance users' interaction with the application. Such rules dynamically adapt the author's goals to the appropriate users at the appropriate time, thereby simulating the dialogue between users and human salespersons/customer service personnel in the context of an automated interactive system.