Information can be collected, processed, and distributed in a variety of ways to support a decision-making process. A query-analyze-distribute approach can be used, and queries, analysis directives, and distribution directives can be associated into a sequence and shared. Access to interim processing is provided. Query, analysis, and distribution directives can be stored in unbound format and tailored to a particular situation via binding. The query, analysis, and distribution processing can be loosely-coupled to allow easy interchange and combination of sequence elements. A sequence can be scheduled for periodic execution, and distribution can be tailored based on filters and exceptions. A decision-making process can be automated by creating an executable workflow. The environment in which the workflow is executed can support a rich set of features, including gating, branching, drill down, and execution tracking. A decision-making process based on a sequence can be refined by employing executable metasequences.

 
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> Method and apparatus for a verifiable on line rejection of an applicant for credit

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