Abstract: A method includes receiving a request and request data associated with a user from a web server and analyzing the request data to identify one or more data gaps associated with the request. One or more third-party services are called to fill at least a portion of the one or more data gaps. A question set is prepared based on determining that the one or more data gaps remain at least partially unfilled. The question set is selected by a machine-learning component trained to adapt a sequence and content of the question set over a plurality of interactions with a plurality of users. The question set is transmitted to the web server for presentation to the user. Data exchanges can be authenticated using tokens.

Abstract: A system includes a network interface, a processing system, and a memory system. The memory system stores instructions that when executed by the processing system result in receiving a request and request data associated with a user from a web server and analyzing the request data to identify a primary offer associated with the request. A look-alike model is accessed to determine at least one secondary offer based on one or more of: the request, the request data, and the primary offer. The primary offer and the at least one secondary offer are provided for presentation to the user through a user interface.

Abstract: A method includes receiving a request and request data associated with a user from a web server and analyzing the request data to identify one or more data gaps associated with the request. One or more third-party services are called to fill at least a portion of the one or more data gaps. A question set is prepared based on determining that the one or more data gaps remain at least partially unfilled. The question set is selected by a machine-learning component trained to adapt a sequence and content of the question set over a plurality of interactions with a plurality of users. The question set is transmitted to the web server for presentation to the user. Data exchanges can be authenticated using tokens.

Abstract: A system includes a network interface, a processing system, and a memory system. The memory system stores instructions that when executed by the processing system result in receiving a request and request data associated with a user from a web server and analyzing the request data to identify one or more data gaps associated with the request. One or more third-party services are called to fill at least a portion of the one or more data gaps. A question set is prepared based on determining that the one or more data gaps remain at least partially unfilled. The question set is selected by a machine-learning component trained to adapt a sequence and content of the question set over a plurality of interactions with a plurality of users. The question set is transmitted to the web server for presentation to the user. Data exchanges can be authenticated using tokens.

Abstract: A system includes a network interface, a processing system, and a memory system. The memory system stores instructions that when executed by the processing system result in receiving a request and request data associated with a user from a web server and analyzing the request data to identify one or more data gaps associated with the request. One or more third-party services are called to fill at least a portion of the one or more data gaps. A question set is prepared based on determining that the one or more data gaps remain at least partially unfilled. The question set is selected by a machine-learning component trained to adapt a sequence and content of the question set over a plurality of interactions with a plurality of users. The question set is transmitted to the web server for presentation to the user. Data exchanges can be authenticated using tokens.

Abstract: A system includes a network interface, at least one processing device, and at least one memory device. The at least one memory device stores instructions that when executed result in initiating creation of a single-use targeted link that provides access to a restricted access data entry system and serves the single-use targeted link through the network interface to a computer system of a targeted user with a time validity constraint. An access request received at the restricted access data entry system through the single-use targeted link is verified as being received within the time validity constraint. A network traffic throttling control reduces network traffic volume received through the single-use targeted link based on determining that the network traffic volume exceeds a traffic volume threshold. An identity control at the restricted access data entry system is applied to confirm entry of at least one identifying characteristic that matches the targeted user.

Abstract: A system includes a network interface, at least one processing device, and at least one memory device. The at least one memory device stores instructions that when executed result in initiating creation of a single-use targeted link that provides access to a restricted access data entry system and serves the single-use targeted link through the network interface to a computer system of a targeted user with a time validity constraint. An access request received at the restricted access data entry system through the single-use targeted link is verified as being received within the time validity constraint. A network traffic throttling control reduces network traffic volume received through the single-use targeted link based on determining that the network traffic volume exceeds a traffic volume threshold. An identity control at the restricted access data entry system is applied to confirm entry of at least one identifying characteristic that matches the targeted user.

Abstract: A system includes a network interface, at least one processing device, and at least one memory device. The at least one memory device stores instructions that when executed result in initiating creation of a single-use targeted link that provides access to a restricted access data entry system and serves the single-use targeted link through the network interface to a computer system of a targeted user with a time validity constraint. An access request received at the restricted access data entry system through the single-use targeted link is verified as being received within the time validity constraint. A network traffic throttling control reduces network traffic volume received through the single-use targeted link based on determining that the network traffic volume exceeds a traffic volume threshold. An identity control at the restricted access data entry system is applied to confirm entry of at least one identifying characteristic that matches the targeted user.

Abstract: Exemplary embodiments provide systems, methods, and products that alter the content (e.g., the questions, information, advice, educational materials, and/or interface-page flow) experienced by each user of an automated insurance quotation system in order to create a consultative interaction with the user and to define an insurance product that fits the user's desires and requirements. Various embodiments determine the flow and content to present via the user interface to each user on the basis of information provided by the user throughout the computerized insurance consultation, quote, and purchase process. Some implementations may iteratively select specific content(s) from a set of content according to input or answers received from the user in response to previously presented content, and present the selected content(s) to the user.