Automatically determining a personalized set of programs or products including an interactive graphical user interface

A computing system comprising:

• one or more central processing units;
• one or more storage devices including a random access memory for temporary storage of information, a read only memory for permanent storage of information, and a mass storage device;
• a network interface configured to communicate with:
• a plurality of servers comprising a first server associated with a first website and a second server associated with a second website;
• a product server associated with one or more product databases;
• and
• a third-party server associated with one or more third-party database;
• and
• one or more hardware processors configured to execute computer-executable instructions in order to:
• provide a plurality of simultaneous user sessions;
• and
• during a first user session of the plurality of simultaneous user sessions:
• generate, via the one or more hardware processors, software instructions for the first website that is configured to render for display in a web browser a user interface including a user interface element selectable by a first user of a first user computing device such that the first user can electronically request prescreened products, wherein receiving an indication of an electronic selection of the user interface element includes a first electronic request for web browser data indicating one or more prescreened products for the first user;
• access, via the one or more hardware processors, a plurality of products from one or more databases;
• determine, via the one or more hardware processors, that the first user is associated with the first electronic request for products;
• access, via the one or more hardware processors, from one or more databases associated with the third-party server, a first data file comprising first user characteristics associated with the first user;
• during the first user session, calculate attribute values, via the one or more hardware processors, for each product of the plurality of products, and based at least in part on an application of preapproval rules indicating criteria for preapproval of users for each product;
• receive, from the first website, first custom ranking criteria which includes weightings for one or more calculated attribute values for automatically determining a ranking order of products;
• receive first default ranking criteria indicating one or more default attribute weightings for determining a ranking order of products, wherein the first custom ranking criteria are different than the first default ranking criteria;
• receive, from the first website, a first electronic request for products;
• during the first user session, automatically determine, via the one or more hardware processors, a geographic location of the first user based at least in part on information received from the first user computing device, wherein the geographic location comprises multi-level alphanumeric identifiers associated with the first user, wherein the multi-level alphanumeric identifiers correspond to one or more of:
• residential location of the first user, business location associated with the first user, at least a portion of a municipality of the first user, or a residency of the first user;
• identify, via the one or more hardware processors, a plurality of prescreened products of the plurality of products for which the first user would have a likelihood greater than a threshold value of being approved for provisioning of one or more products, wherein the plurality of prescreened products are identified at least based on prescreen criteria for respective products, the geographic location of the first user, and the first user characteristics;
• determine, via the one or more hardware processors, that the first website is associated with the first electronic request for products;
• for each of the plurality of prescreened products, automatically apply, via the one or more hardware processors, the first custom ranking criteria associated with the first website or the first default ranking criteria to calculate weighted attribute values associated with the plurality of prescreened product to determine a corresponding plurality of weighted attribute values;
• determine, via the one or more hardware processors, a first ranking of the plurality of prescreened products based on the plurality of weighted attribute values for respective prescreened products of the plurality of prescreened products, wherein the first ranking is determined at a first time;
• access, via the one or more hardware processors, historic traffic data and trending data associated with the plurality of prescreened products, wherein the historic traffic data includes prior selections of prescreened products included in the first ranking, wherein the trending data indicates current selections received from the plurality of simultaneous user sessions of the prescreened products included in the first ranking;
• calculate, via the one or more hardware processors, expected future rankings for each of the prescreened products included in the first ranking based on one or more of:
• the historic traffic data and the trending data, wherein the expected future rankings are associated with a second time later than the first time;
• determine, via the one or more hardware processors, a second ranking of the plurality of prescreened products based on the expected future rankings;
• determine, via the one or more hardware processors, based at least on the second ranking, a highest ranked prescreened product of the plurality of products having a highest expected offer value;
• generate and transmit, via the one or more hardware processors, to the first website, first web browser data that is configured to be rendered by the first user computing device to display an interactive user interface including electronic information associated with the second ranking, wherein the second ranking includes the highest ranked prescreened product, and wherein the first website is configured to:
• display, via the one or more hardware processors, in the interactive user interface, the highest ranked prescreened product in a location that indicates that the highest ranked prescreened product is ranked highest;
• receive, from the first user computing device, first user electronic request information and a selection of a link associated with the highest ranked prescreened product, wherein the first user electronic request information and the selection are temporarily stored on the one or more storage devices;
• transmit, via the one or more hardware processors, to a product provisioning system associated with the selected first prescreened product, a third data file comprising the first user electronic request information and information indicative of the selected first prescreened product;
• and
• upon receiving the third data file, the product provisioning system is configured to automatically cause display of an electronic graphical user interface on the first user computing device associated with the selected first prescreened product.

A computing system comprising:

• one or more central processing units;
• one or more storage devices;
• a network interface configured to communicate with:
• a plurality of servers comprising a first server associated with a first website;
• a product server associated with one or more product databases;
• and
• a third-party server associated with one or more third-party database;
• and
• one or more hardware processors configured to execute computer-executable instructions in order to:
• provide a plurality of simultaneous user sessions;
• and
• during a first user session of the plurality of simultaneous user sessions:
• generate, via the one or more hardware processors, software instructions for the first website that is configured to render for display in a web browser a user interface including a user interface element selectable by a first user of a first user computing device such that the first user can electronically request prescreened products, wherein receiving an indication of an electronic selection of the user interface element includes a first electronic request for web browser data indicating one or more prescreened products for the first user;
• access, via the one or more hardware processors, a plurality of products from one or more databases;
• access, via the one or more hardware processors, from one or more databases associated with the third-party server, a first data file comprising first user characteristics associated with the first user;
• during the first user session, calculate attribute values, via the one or more hardware processors, for each product of the plurality of products;
• receive, from the first website, first custom ranking criteria which includes weightings for one or more calculated attribute values for automatically determining a ranking order of products;
• receive, from the first website, a first electronic request for products;
• identify, via the one or more hardware processors, a plurality of prescreened products of the plurality of products for which the first user would have a likelihood greater than a threshold value of being approved for provisioning of one or more products, wherein the plurality of prescreened products are identified at least based on prescreen criteria for respective products, a geographic location of the first user, and the first user characteristics;
• determine, via the one or more hardware processors, that the first website is associated with the first electronic request for products;
• for each of the plurality of prescreened products, automatically apply, via the one or more hardware processors, the first custom ranking criteria associated with the first website to calculate weighted attribute values associated with the plurality of prescreened product to determine a corresponding plurality of weighted attribute values;
• determine, via the one or more hardware processors, a first ranking of the plurality of prescreened products based on the plurality of weighted attribute values for respective prescreened products of the plurality of prescreened products, wherein the first ranking is determined at a first time;
• access, via the one or more hardware processors, historic traffic data and trending data associated with the plurality of prescreened products, wherein the historic traffic data includes prior selections of prescreened products included in the first ranking, wherein the trending data indicates current selections received from the plurality of simultaneous user sessions of the prescreened products included in the first ranking;
• calculate, via the one or more hardware processors, expected future rankings for each of the prescreened products included in the first ranking based on one or more of:
• the historic traffic data and the trending data, wherein the expected future rankings are associated with a second time later than the first time;
• determine, via the one or more hardware processors, a second ranking of the plurality of prescreened products based on the expected future rankings;
• determine, via the one or more hardware processors, based at least on the second ranking, a highest ranked prescreened product of the plurality of products having a highest expected offer value;
• generate and transmit, via the one or more hardware processors, to the first website, first web browser data that is configured to be rendered by the first user computing device to display an interactive user interface including electronic information associated with the second ranking, wherein the second ranking includes the highest ranked prescreened product, and wherein the first website is configured to:
• display, via the one or more hardware processors, in the interactive user interface, the highest ranked prescreened product;
• receive, from the first user computing device, a selection of a link associated with the highest ranked prescreened product;
• transmit, via the one or more hardware processors, to a product provisioning system associated with the selected first prescreened product, a third data file comprising information indicative of the selected first prescreened product;
• and
• upon receiving the third data file, the product provisioning system is configured to automatically cause display of an electronic graphical user interface on the first user computing device associated with the selected first prescreened product.

A method comprising:

• providing, a plurality of simultaneous user sessions;
• and
• during a first user session of the plurality of simultaneous user sessions:
• generating, software instructions for a first website that is configured to render for display in a web browser a user interface including a user interface element selectable by a first user of a first user computing device such that the first user can electronically request prescreened products, wherein receiving an indication of an electronic selection of the user interface element includes a first electronic request for web browser data indicating one or more prescreened products for the first user;
• accessing, a plurality of products from one or more databases;
• accessing, from one or more databases associated with a third-party server, a first data file comprising first user characteristics associated with the first user;
• calculating, during the first user session, attribute values for each product of the plurality of products;
• receiving, from the first website, first custom ranking criteria which includes weightings for one or more calculated attribute values for automatically determining a ranking order of products;
• receiving, from the first website, a first electronic request for products;
• identifying, a plurality of prescreened products of the plurality of products for which the first user would have a likelihood greater than a threshold value of being approved for provisioning of one or more products, wherein the plurality of prescreened products are identified at least based on prescreen criteria for respective products, a geographic location of the first user, and the first user characteristics;
• determining, that the first website is associated with the first electronic request for products;
• automatically applying, for each of the plurality of prescreened products, the first custom ranking criteria associated with the first website to calculate weighted attribute values associated with the plurality of prescreened product to determine a corresponding plurality of weighted attribute values;
• determining, a first ranking of the plurality of prescreened products based on the plurality of weighted attribute values for respective prescreened products of the plurality of prescreened products, wherein the first ranking is determined at a first time;
• accessing, historic traffic data and trending data associated with the plurality of prescreened products, wherein the historic traffic data includes prior selections of prescreened products included in the first ranking, wherein the trending data indicates current selections received from the plurality of simultaneous user sessions of the prescreened products included in the first ranking;
• calculating, expected future rankings for each of the prescreened products included in the first ranking based on one or more of:
• the historic traffic data and the trending data, wherein the expected future rankings are associated with a second time later than the first time;
• determining, a second ranking of the plurality of prescreened products based on the expected future rankings;
• determining, based at least on the second ranking, a highest ranked prescreened product of the plurality of products having a highest expected offer value;
• generating and transmitting, to the first website, first web browser data that is configured to be rendered by the first user computing device to display an interactive user interface including electronic information associated with the second ranking, wherein the second ranking includes the highest ranked prescreened product, and wherein the first website is configured to:
• displaying, in the interactive user interface, the highest ranked prescreened product;
• receiving, from the first user computing device, a selection of a link associated with the highest ranked prescreened product;
• transmitting, to a product provisioning system associated with the selected first prescreened product, a third data file comprising information indicative of the selected first prescreened product;
• and
• automatically displaying, upon receiving the third data file an electronic graphical user interface on the first user computing device associated with the selected first prescreened product.