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 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;
• and
• a third-party server;
• and
• one or more hardware processors configured to execute computer-executable instructions in order to:
• provide, via the one or more hardware processors and to a first user device associated with a first user, a first user session during a first time period, wherein during the first user session:
• access from one or more databases associated with the third-party server, first user characteristics associated with the first user access one or more attributes associated with a plurality of products and the first user;
• receive from a first website:
• a first electronic request for products;
• and
• first website custom ranking criteria which includes weightings for the one or more attributes for automatically determining a ranking order of products;
• identify first 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, wherein the first prescreened products are identified at least based on:
• prescreen criteria for respective products;
• a geographic location of the first user based at least in part on information received from a first user computing device;
• and
• the first user characteristics, wherein the first prescreened products include at least a first product and a second product;
• for each of the first prescreened products, calculate first weighted attribute values by automatically applying weightings from the first website custom ranking criteria to the one or more attributes, first weighted attribute values including at least:
• (1) a click-through-rate attribute value indicative of an expected percentage of users that will electronically request the product of a total number of times the product is presented to respective users;
• and
• (2) a click propensity attribute value indicative of a user's propensity to select a specific type of presented link;
• based on the first weighted attribute values, perform a first initial ranking of the first prescreened products, wherein the first product is ranked higher than the second product in the first initial ranking, and wherein the first initial ranking is determined at a first time;
• calculate expected future rankings for each of the first prescreened products based on one or more of:
• historic traffic data and trending data, wherein the expected future rankings are associated with a time later than the first time period, wherein the historic traffic data includes prior selections of the first prescreened products, and wherein the trending data indicates current selections received from a first plurality of simultaneous user sessions;
• based on the expected future rankings, perform a first final ranking of the first prescreened products;
• in response to the first electronic request, generate and transmit, to the first website, information regarding the second product;
• and
• in response to receiving an indication of a selection of the second product from the first website, automatically generate and transmit, to the first website, via the one or more hardware processors, first web browser data including at least Hypertext Markup Language that is configured to be rendered by a dynamic interactive website feature to display an interactive user interface including electronic information associated with the final first ranking, wherein the final first ranking includes a 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;
• and
• provide, via the one or more hardware processors and to a second user device associated with a second user, a second user session during a second time period, the second time period occurring on a same day as the first time period and after the first time period ends, wherein during the second user session:
• access from the one or more databases associated with the third-party server, first user characteristics associated with the first user;
• and
• access one or more attributes associated with a plurality of products and the second user;
• receive, from a second website:
• a second electronic request for products;
• and
• second website custom ranking criteria which includes weightings for the one or more attributes for automatically determining a ranking order of products, the second website custom ranking criteria different than the first website custom ranking criteria;
• based at least in part on second user characteristics, identify second prescreened products of the plurality of products for which the second user would have a likelihood greater than a threshold value of being approved for provisioning, wherein the second prescreened products include at least the first product and the second product,
• for each of the plurality of prescreened products, automatically apply, via the one or more processors, the second website custom ranking criteria associated with the prescreened products to perform a second initial ranking;
• calculate second expected future rankings for each of the second prescreened products based on one or more of historic traffic data and trending data;
• based on the second expected future rankings, perform an intermediate second ranking of the second prescreened products;
• determine, via the one or more hardware processors, based at least on the intermediate second ranking, a highest ranked prescreened product;
• and
• generate and transmit, to the second website via the one or more hardware processors, second web browser data that is configured 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;
• and
• receive, from the first user computing device, first user electronic request information and a selection of a link associated with at least one or more additional prescreened products.

A method comprising:

• providing, to a first user device associated with a first user, a first user session during a first time period;
• during the first user session:
• accessing, from one or more databases associated with a third-party server, first user characteristics associated with the first user;
• accessing, one or more attributes associated with a plurality of products and the first user;
• receiving, from a first website:
• a first electronic request for products;
• and
• first website custom ranking criteria which includes weightings for the one or more attributes for automatically determining a ranking order of products;
• identifying, first 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, wherein the first prescreened products are identified at least based on:
• prescreen criteria for respective products;
• a geographic location of the first user based at least in part on information received from a first user computing device;
• and
• the first user characteristics, wherein the first prescreened products include at least a first product and a second product;
• calculating, for each of the first prescreened products, first weighted attribute values by automatically applying weightings from the first website custom ranking criteria to the one or more attributes, wherein first weighted attribute values include at least:
• a click propensity attribute value indicative of a user's propensity to select a specific type of presented link,;
• performing, based on the first weighted attribute values, a first initial ranking of the first prescreened products, wherein the first product is ranked higher than the second product in the first initial ranking, and wherein the first initial ranking is determined at a first time;
• calculating, expected future rankings for each of the first prescreened products based on one or more of:
• historic traffic data and trending data, wherein the expected future rankings are associated with a time later than the first time period;
• performing, based on the expected future rankings, a second first final ranking of the first prescreened products;
• generating and transmitting, in response to the first electronic request, information regarding the second product to the first website;
• and
• in response to receiving an indication of selection of the second product from the first website, automatically generating and transmitting, to the first website via one or more hardware processors, to the first website, first web browser data including at least Hypertext Markup Language that is configured to be rendered by a dynamic interactive website feature to display an interactive user interface including electronic information associated with the final first ranking, wherein the final first ranking includes a highest ranked prescreened product, and wherein the first website is configured to:
• displaying, via the one or more hardware processors, in the interactive user interface, the highest ranked prescreened product in response to receiving an indication of a selection of the second product from the first website, display of an electronic graphical user interface on the first user device configured to allow the first user to apply for the second product;
• and
• providing, to a second user device associated with a second user, a second user session during a second time period, the second time period occurring on a same day as the first time period and after the first time period ends;
• and
• during the second user session:
• accessing from one or more databases associated with the third-party server, first user characteristics associated with the first user;
• accessing one or more attributes associated with a plurality of products and the second user;
• receiving, from a second website:
• a second electronic request for products;
• and
• second website custom ranking criteria which includes weightings for the one or more attributes for automatically determining a ranking order of products, the second website custom ranking criteria different than the first website custom ranking criteria;
• based at least in part on second user characteristics, identifying second prescreened products of the plurality of products for which the second user would have a likelihood greater than a threshold value of being approved for provisioning, wherein the second prescreened products include at least the first product and the second product;
• for each of the plurality of prescreened products, automatically apply, via the one or more processors, the second website custom ranking criteria associated with the prescreened products to perform a second initial ranking;
• calculating second expected future rankings for each of the second prescreened products based on one or more of historic traffic data and trending data;
• based on the second expected future rankings performing an intermediate second ranking of the second prescreened products;
• determining, a highest ranked prescreened product based at least on the intermediate second ranking;
• generating and transmitting, to the second website, second web browser data that is configured to display an interactive user interface;
• receiving, from the first user computing device, first user electronic request information and a selection of a link associated with at least one or more additional prescreened products;
• and
• performing, a third ranking of the second prescreened products based on the second website custom ranking criteria, wherein the third ranking is performed during the second time period, wherein the second product is ranked higher than the first product in the third ranking.

A non-transitory computer readable medium storing computer executable instructions thereon, the computer executable instructions when executed cause a system to:

• provide, to a first user device associated with a first user, a first user session during a first time period, wherein during the first user session:
• access from one or more databases associated with a third-party server, first user characteristics associated with the first user;
• access one or more attributes associated with a plurality of products and the first user;
• receive from a first website:
• a first electronic request for products;
• and
• first website custom ranking criteria which includes weightings for the one or more attributes for automatically determining a ranking order of products;
• identify first 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, wherein the first 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, wherein the first prescreened products include at least a first product and a second product;
• for each of the first prescreened products, calculate first weighted attribute values by automatically applying weightings from the first website custom ranking criteria to the one or more attributes;
• based on the first weighted attribute values, perform a first initial ranking of the first prescreened products, wherein the first product is ranked higher than the second product in the first initial ranking, and wherein the first initial ranking is determined at a first time;
• calculate expected future rankings for each of the first prescreened products based on one or more of:
• historic traffic data and trending data, wherein the expected future rankings are associated with a time later than the first time period;
• based on the expected future rankings, perform a second first final ranking of the first prescreened products;
• in response to the first electronic request, generate and transmit, to the first website, information regarding the second product;
• and
• in response to receiving an indication of a selection of the second product from the first website, automatically generate and transit, to the first website via one or more hardware processors, first web browser data including at least Hypertext Markup Language that is configured to be rendered by a dynamic interactive website feature to display an interactive user interface including electronic information associated with the final first ranking, wherein the final first ranking includes a 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 display of an electronic graphical user interface on the first user device configured to allow the first user to apply for the second product;
• and
• provide, to a second user device associated with a second user, a second user session during a second time period, the second time period occurring on a same day as the first time period and after the first time period ends, wherein during the second user session:
• access from the one or more databases associated with the third-party server, first user characteristics associated with the first user;
• access one or more attributes associated with a plurality of products and the second user;
• receive, from a second website:
• a second electronic request for products;
• and
• second website custom ranking criteria which includes weightings for the one or more attributes for automatically determining a ranking order of products, the second website custom ranking criteria different than the first website custom ranking criteria;
• based at least in part on second user characteristics, identify second prescreened products of the plurality of products for which the second user would have a likelihood greater than a threshold value of being approved for provisioning, wherein the second prescreened products include at least the first product and the second product;
• for each of the plurality of prescreened products, automatically apply, via the one or more processors, the second website custom ranking criteria associated with the prescreened products to perform a second initial ranking;
• based on second expected futures rankings, perform an intermediate second ranking of the second prescreened products;
• receive, from the first user computing device, first user electronic request information and a selection of links associated with at least one or more additional prescreened products;
• and
• perform a third ranking of the second prescreened products based on the second website custom ranking criteria, wherein the third ranking is performed during the second time period, wherein the second product is ranked higher than the first product in the third ranking.