1. A system for building configurable applications, the system comprising: a distributed tier including at least one computer processor programmed for executing at least one module, the distributed tier further comprising: (i) a presentation module accessible by a user, the presentation module being configured to permit configuration of an interface in a session with the user, the session generating state data including at least one indication of a modification to the interface, and, (ii) an interface module configured to process at least a portion of the state data in an extensible language format to generate extensible language formatted state data, wherein the interface module is configured to route a constructed application from the presentation module to a business process management system for seeking approval of the constructed application by an operational area of an institution; a mainframe system including at least one computer processor, the mainframe system further comprising: (i) an enterprise architecture integration (EAI) framework configured for receiving the extensible language formatted state data and invoking at least one service in association with evaluating the extensible language formatted state data, and (ii) a business rules engine having at least one rule based on an extensible language format, the business rules engine being accessible by the EAI framework in association with evaluating the state data to generate evaluated state data, wherein the business rules engine further comprises at least one configurable screen definition, and, (iii) a business rules engine builder accessing the business rules engine and permitting selection from among different rules collections in the business rules engine and modification of the at least one rule based on a selection of the at least one configurable screen definition; and, the mainframe system being configured to translate the evaluated state data into a reply message based on an extensible language format.