If you have 8i there is a new cursor syntax called OPEN FOR.
It allows you to make dynamic SQL in a cursor.

You could code it like:

TYPE generic_rc IS REF CURSOR; (or CURSOR)
cv generic_rc;
BEGIN
OPEN cv FOR
'SELECT ' || column_list ||
' FROM ' || table_list ||
' WHERE '|| where_clause;

So you could pass in your table name, columns, where to a procedure

This sounds like what you are looking for.

I don't think this was possible on older releases. i.e. problem was you cannout use DBMS_SQL to create a cursor (but there are probably other things you can do depending on what you want the cursor for...) which is why this feature has been added.