Abstract: A configurable business process adapted to be created from a user interface includes defining flow tasks that identify value objects and obtaining the value objects used by the flow tasks. The value objects are evaluated using evaluation rules to produce a result. The result is used, in turn, to generate instructions to a system user relating to the value objects. The configurable business process operates through a business flow engine accessible to the system user through the user interface. A business flow configuration file and an adapter configuration file are defined. The adapter configuration file maps components, methods, arguments, and return values using an XML engine. Component APIs and an evaluation rules database are provided. The business flow configuration file defines selected component APIs to be executed to perform a user-defined operation.

Abstract: A method for managing customer financial accounts in a system for the delivery of products to a customer includes providing a customer account, first customer record, a second customer record, a product database, and a retailer database. The customer account is associated with the retailer database, the first customer record, and the product database. The first customer record is associated with the customer account, where an object of the first customer record is identified as a payer for the products. The second customer record is associated with the product database, where an object of the second customer record is identified as a consumer of the products. A second customer account and a second product database can be associated with the second customer record. The second customer account includes transaction records for the second customer record and provides transaction invoices to the second customer record.