Abstract: A system, method, and computer-readable medium storing instructions for managing workflows including a business logic layer including (a) a workflow creator configured to define a unified workflow by combining steps of at least two workflows, the unified workflow having associated workflow data including (i) step data associated with each of the steps, the step data including track data that associates each of the steps with a track, and (ii) a business rule, the workflow data having been imported from a non-uniform data format and converted to a uniform data format, (b) a business rules engine configured to select and apply the business rule to the workflow data, and (c) a workflow manager configured to manage the unified workflow based on the selected and applied business rules; and a presentation layer configured to output information regarding the managed unified workflow to a display medium.

Abstract: A real-time data processing apparatus that is connected to a user over a network, the real-time data processing apparatus comprising a data access unit that accesses user transaction data from the user, a data storage that stores orchestration process data that includes information relating to a processing of the user transaction data, a transaction processing unit that: i) accesses the user transaction data from the data access unit, ii) accesses the orchestration process data from the data storage, and iii) processes the user transaction data using the orchestration process data and a transaction data communication unit that communicates a result of the processed user transaction data in real-time to the user, wherein the real-time data processing apparatus does not store the accessed user transaction data in a non-volatile storage medium.