Abstract: Systems and methods are provided for creating, storing, and using data received from a user via a first network entity. The data can include elements that affect the product offerings that may be generated by an institution, and the received data can be stored as a data package on a second network entity. A first product offering may be generated at a first point in time by applying a pricing engine to the data package. Similarly, at a second point in time, a second product offering can be automatically generated by applying the pricing engine to the data package.