Algorithmic Suggestions Based on a Universal Data Scaffold

A system comprising one or more hardware processors and a non-transitory computer-readable storage medium storing executable instructions that, when executed by the one or more hardware processors, cause the one or more hardware processors to perform steps comprising:

• creating, by a server, a universal data scaffold defining a data structure configured to represent a user’s information,
• wherein the data structure defines a plurality of attributes configured to include a plurality of attribute values;
• receiving, by a server from a computing device associated with a third party, a request to perform an action on behalf of the user, wherein the action includes a request for the user’s information;
• determining, by the server, a likelihood that the request for the user’s infromation is a necessary component of the request to perform the action;
• in response to the determined likelihood being below a threshold likelihood, modifying the request to perform the action to remove the request for the user’s information;
• and
• in response to the likelihood being above the threshold likelihood, generating executable computer code configured to, when executed, interface with the universal data scaffold to obtain the requested user information and to perform the requested action using the obtained user information.