Abstract: The present invention is a system and method for rapid development of software applications comprising; a field composer; a design composer; and a design repository; wherein the field composer is used to create field trees; wherein the design composer is used to create designs; wherein a design is a partial or complete configuration of a software application; wherein one or more data models is/are derived from one or more existing databases; and wherein the design repository stores designs, field trees, and data models.

Abstract: Systems and methods for providing credit decisions using the least cost necessary to access data sources. A lending institution can create custom credit decisioning rules which use only the data needed to grant or deny credit. Credit decision data sources are optimized for cost or likelihood of success to provide the lowest overall cost for the credit query. Embodiments allow for early identification of denial or approval of credit and also for identification of various credit products or packages.

Abstract: A system and method for creating and modifying test data files. The system comprises a parse map editor and a test data file editor, wherein parse maps are created and edited in the parse map editor, wherein the system parses incoming data files based on the parse maps that are created in the parse map editor, wherein each incoming data file is matched to a parse map, wherein the parsed data files are sent to the test data file editor, and wherein the test data file editor allows a user to view and edit the parsed data files. The method comprises parsing an incoming data file with a parse map, creating and/or editing the parse map in a parse map editor, and viewing and/or editing the parsed data file in a test data file editor.

Abstract: The present invention is a system and method for rapid development of software applications comprising: a field composer; a design composer; and a design repository; wherein the field composer is used to create field trees; wherein the design composer is used to create designs; wherein a design is a partial or complete configuration of a software application; wherein one or more data models is/are derived from one or more existing databases; and wherein the design repository stores designs, field trees, and data models.

Abstract: A system for cross-selling products and/or services across an enterprise comprising an enterprise-level decision engine and a plurality of line-of-business decision engines; wherein characteristics derived by the enterprise-level decision engine are used by the line-of business-level decision engines to generate cross-sell offer decisions; enterprise-level business rules and line-of-business-level business rules are managed independently of one another; a publish-subscribe message framework allows data to be published at an enterprise level and subscribed to by the line-of-business decision engines according to business rules established at the line-of-business level; the line-of-business decision engines generate cross-sell offer decisions; and the enterprise-level decision engine stores data to and retrieves data from an operational and an analytics data repository. A method of using the system described above to generate cross-sell offer decisions.

Abstract: A system and method for creating and modifying test data files. The system comprises a parse map editor and a test data file editor, wherein parse maps are created and edited in the parse map editor, wherein the system parses incoming data files based on the parse maps that are created in the parse map editor, wherein each incoming data file is matched to a parse map, wherein the parsed data files are sent to the test data file editor, and wherein the test data file editor allows a user to view and edit the parsed data files. The method comprises parsing an incoming data file with a parse map, creating and/or editing the parse map in a parse map editor, and viewing and/or editing the parsed data file in a test data file editor.