Abstract: A computer-implemented dispute resolution method includes receiving a dispute query from a user and generating a record based on the dispute query. A decision is electronically generated, including applying the record to a workflow algorithm including representations of one or more business rules, one or more segmentation or decision trees or both, one or more expression sequences, one or more data structures, one or more user-defined functions, and/or one or more decision models. It is determined whether to gather further information or take other further action based on said decision. The record is updated according to the decision, and stored. A result of the dispute query is communicated to the user based on the record.