A method for automatic parallel processing of the steps involved in composing electronic responses to structured electronic requests where the request and the response contain some common fields of information. The process starts subsequent processing steps before the validation of the request is complete. A structurally complete, but partial response to a request is prepared as soon as it is possible to construct that response structure. The response structure is determined from personalization factors for the requestor, and a response template is created. The personalized response document is a skeleton created with known data from the minimum validation of the request, and with placeholders for data that has not yet been determined. The response is selectively populated with data from the request when the format of the response is determined. As additional information becomes available during the processing of the request, that additional data is placed into the response structure.