Software Sales

The ECS application processing system, APPLY, is a user-defined, powerful tool for the accumulation, sorting, and processing of application data. Whatever your volume or type of business, banking, retailing, utilities or telecommunications, APPLY will provide you with the real-time responsiveness you need. APPLY's flexibility allows it to grow and change along with your needs. It is the only application processing system you need, from time of initial data entry to final decisioning and customer notification.

APPLY is a component based, multi-tiered client-server application processing tool that consists of the following components:

• Entry workstations are used for keying applications and utilize GUI (Graphical User Interface) technology. GUI technology uses pictures and icons to represent commands.
• Builder workstation, used for building system application templates, also utilizes GUI technology.
• The Comm Server resides on a UNIX hosted RISC System/6000 and forms the main system "engine".
• DOS-based utility for configuring Server scripts.
• DB Broker (ODBC-compliant) for the storage of data system attributes.

Every implementation of the APPLY system is client-defined using the Builder workstation, an ECS-developed tool. Builder is user-friendly and provides screen painting capabilities with the ability to create templates (application screens). Templates are tailored for either interactive use or a "heads down" production environment.

Each customer is provided with product-specific application and report templates that can be used as models for system building.

Your application logic (scorecards, parameters, queuing logic, etc.) is used to develop the Server scripts.

The direct links to the credit bureaus are also handled by scripts, allowing client-defined flexibility over bureau choice.

Once the application template is built and running, data entry users can access the generated application template screens built in Builder. Server requests are automatically invoked at appropriate points within each application template. These requests cause the screen input data to be passed to the Server and the requested script(s) to be executed (e.g., request credit bureau report(s); send applications to appropriate queues; or calculate and return a credit score based upon the client's customized scorecard algorithms).

A systemic audit trail, maintained in the database, is created via the Server scripts. The audit trail consists of "date/time stamps" for all system- and operator- generated transactions and is documented with system-generated notes in the notes window. Operator IDs are carried on all note entries, which are permanently attached to the application and not modifiable.

APPLY can interface with the user's letter-generation sub-system to provide automatic, manual, follow-up, and welcome letters.

Security is defined and maintained by each user. APPLY provides both company level security and functional security by operator type.

Contact Christine Johnson-Lindsey, 404-847-9988.