Self-optimizing, multi-channel, cognitive digital insurance rate quoting, comparison shopping and enrollment system and method

A computer-implemented method for presenting products for enrollment to a user and facilitating user-interactive advertising optimization, the method comprising:

• initiating, by a product enrollment system that includes a cognitive virtual assistant, a communication session with a user via a communications interface with a user interface of the user, the user interface having been directed to the product enrollment system by an online advertising platform;
• receiving, by the product enrollment system, via the communications interface, language input from the user interface during the communication session;
• associating, by the product enrollment system, the communication session with an interaction between the user and the online advertising platform based on a click-tracking ID;
• interpreting the language input, by the product enrollment system using artificial intelligence, including analyzing sentiment and tone, recalling details from previous segments of the communication session or a previous communication session with the user from episodic memory, and generating user data as a result of the interpreting;
• determining, by the product enrollment system, user-specific parameters based on the user data;
• generating, by the product enrollment system, user-specific responses that are based on the user-specific parameters;
• dynamically adjusting, by the product enrollment system, the user-specific responses and reducing repetition and latency in user interactions during the communication session based on the analyzing of the sentiment and tone, and on the recalling of the details from previous segments of the communication session or a previous communication session with the user;
• communicating, by the product enrollment system, the user-specific responses to the user interface during the communication session;
• dynamically adjusting, by the product enrollment system, the user-specific parameters based on the sentiment and tone analysis responsive to language choice, tone, pacing, and level of detail of the user data;
• prompting the user interface, by the product enrollment system during the communication session, for information from the user relevant to one or more products for enrollment;
• receiving, by the product enrollment system via one or more provider application interfaces, product data from an application server of one or more providers of the one or more products for enrollment;
• determining, by the product enrollment system, eligibility of the user for enrollment in the one or more products for enrollment based on the user data and the product data;
• presenting, by the product enrollment system, the one or more products for enrollment for which the eligibility for enrollment was determined, to the user interface during the communication session;
• prompting the user via the user interface, by the product enrollment system, to provide information corresponding to application requirements of the one or more products for enrollment;
• producing, by the product enrollment system, completed application requirements based on the information corresponding to application requirements of the one or more products for enrollment;
• communicating, by the product enrollment system, the completed application requirements to a respective at least one provider of products for enrollment;
• communicating, by the product enrollment system, application status information and at least a portion of the information corresponding to application requirements to the online advertising platform, the communicating being in association with the interaction between the user and the online advertising platform based on a status-tracking ID that is distinct from the click-tracking ID.