Efficiently authorizing customers for products under different authorization conditions

A system comprising:

• an application server communicatively connected via a communication network to a plurality of user devices, and configured to provide to users of the plurality of user devices an application service providing the users with information on individual users' authorization for products or services;
• and
• an authorization server communicatively connected via the communication network to the application server and configured to provide to the application server the information on the individual users' authorization for the products or services;
• wherein the authorization server is further configured, in response to receiving from the application server first and second requests to authorize a customer for a product or service, to perform functions to:
• identify, based on identification of at least one of the product or service and customer information included in the first and second requests, a plurality of entries of a table of authorization rules that pertain to authorizing the customer for the product or service by
• identifying a rule-set associated with the product or service from among a plurality of rule-sets stored in the table of authorization rules, the identified rule-set including
• a first plurality of authorization rules that must be satisfied to authorize the customer for the product or service under the first authorization condition, and
• a second plurality of authorization rules that is different from the first plurality of authorization rules and that must be satisfied to authorize the customer for the same product or service under the second authorization condition, and
• identifying, for each entry in the plurality of entries, an authorization rule included in the first and second pluralities of authorization rules based on optimized database queries into the table of authorization rules using integer pairings that are contained within the table of authorization rules and that pair an identifier of the rule-set with respective identifiers of the authorization rules in the first and second pluralities of authorization rules,
• wherein a first subset of the identified plurality of entries include a flag associated with a first authorization condition identified in the first request, and
• wherein a second subset of the identified plurality of entries different from the first subset of entries include a flag associated with a second authorization condition identified in the second request, and
• determine, based on the table of authorization rules, whether the customer is authorized for the product or service by
• determining whether the identified at least one of the product or service and the customer information satisfy all of the identified plurality of entries included within the first subset of entries that include the flag associated with the first authorization condition, and
• determining whether the identified at least one of the product or service and the customer information satisfy all of the identified plurality of entries included within the second subset of entries that include the flag associated with the second authorization condition;
• and
• wherein the authorization server is implemented by at least one of
• a mainframe in which the authorization rules are evaluated by way of a query associated with a temporary session-based table that tracks which authorization rules evaluate as true with a breakdown by account or line level and that is used by the query to determine at least one of an availability, a qualification, an eligibility, and a requalification of at least one of the customer, the product, and the service, and
• a Java appserver in which each criterion included in a plurality of customer criteria imposed under at least one of the first and second authorization conditions is broken out into a separate session bean that loads the authorization rules for the criterion into memory, and in which the first and second requests are associated with request beans configured to consolidate authorization rules that evaluate as true and are returned by each of the separate session beans.