BUSINESS APPLICATION PROCESS AND SYSTEM

1 . A computing system for facilitating business application processing over a communications network, the computing system comprising:

a database configured for storing a plurality of user records and data structures;

a web server communicably connected to the communications network and to the database, the web server including an operating system-level virtualization platform configured for hosting and executing a plurality of containers, and for dynamically scaling said plurality of containers according to user demand for said plurality of containers, wherein said plurality of containers includes:

1) a first container executing on said platform, the first container configured for accepting, via the communications network, input data from a user, storing said input data in one or more user records in the database, creating a first data structure composed of strings, attributes of strings, dependencies between strings, and hierarchies between strings, encoding changes to the first data structure based on the input data, populating the first data structure based on the input data, storing the first data structure in a first memory location, creating a second data structure composed of strings, attributes of strings, dependencies between strings, and hierarchies between strings, encoding changes to the second data structure based on the first data structure, populating the second data structure by mapping data from the first data structure, and storing the second data structure in a second memory location; and

2) a second container executing on said platform, the second container configured for selecting a business, based on the input data, to which a business application shall be submitted, and determining which of the following containers to execute, based on a desired business application submission method for said business that was selected;

3) a remote server of the business, wherein the API call includes the second data structure, and executing said API call to the remote server via the communications network;

4) a fourth container executing on said platform, the fourth container configured for automatically preparing a business form based on the second data structure, and transmitting said business form to a business form administrator of the business via the communications network;

5) a fifth container executing on said platform, the fifth container configured for initiating, over the communications network, a call between the user and an agent, such that the agent aids in completing a business form based on the second data structure, and transmitting said business form to a business form administrator of the business via the communications network.

2 . The system of claim 1 , wherein the step of accepting, via the communications network, input data from a user further comprises providing a graphical user interface on a web site.

3 . The system of claim 2 , wherein the step of initiating, over the communications network, a call between the user and an agent further comprises initiating a call, over the public switched telephone network between the user and the agent.

4 . The system of claim 3 , wherein the step of storing the first data structure in a first memory location further comprises encrypting the first data structure before it is stored in the first memory location, and wherein the step of storing the second data structure in a second memory location further comprises encrypting the second data structure before it is stored in the second memory location.

5 . A method implemented on a server for facilitating business application processing over a communications network, comprising the steps of:

providing a database configured for storing a plurality of user records and data structures;

providing a web server communicably connected to the communications network and to the database, the web server including an operating system-level virtualization platform configured for hosting and executing a plurality of containers, and for dynamically scaling said plurality of containers according to user demand for said plurality of containers, wherein said plurality of containers includes:

1) a first container executing on said platform, the first container configured for accepting, via the communications network, input data from a user, storing said input data in one or more user records in the database, creating a first data structure composed of strings, attributes of strings, dependencies between strings, and hierarchies between strings, encoding changes to the first data structure based on the input data, populating the first data structure based on the input data, storing the first data structure in a first memory location, creating a second data structure composed of strings, attributes of strings, dependencies between strings, and hierarchies between strings, encoding changes to the second data structure based on the first data structure, populating the second data structure by mapping data from the first data structure, and storing the second data structure in a second memory location;

2) a second container executing on said platform, the second container configured for selecting a business, based on the input data, to which a business application shall be submitted, and determining which of the following containers to execute, based on a desired business application submission method for said business that was selected;

3) a third container executing on said platform, the third container configured for generating an applicaiton programming interface (API) call based on an API specification for a remote server of the business, wherein the API call includes the second data structure, and executing said API call to the remote server via the communications network;

4) a fourth container executing on said platform, the fourth container configured for automatically preparing a business form based on the second data structure, and transmitting said business form to a business form administrator of the business via the communications network;

5) a fifth container executing on said platform, the fifth container configured for initiating, over the communications network, a call between the user and an agent, such that the agent aids in completing a business form based on the second data structure, and transmitting said business form to a business form administrator of the business via the communications network.

6 . The method of claim 5 , wherein the step of accepting, via the communications network, input data from a user further comprises providing a graphical user interface on a web site.

7 . The method of claim 6 , wherein the step of initiating, over the communications network, a call between the user and an agent further comprises initiating a call, over the public switched telephone network between the user and the agent.

8 . The method of claim 7 , wherein the step of storing the first data structure in a first memory location further comprises encrypting the first data structure before it is stored in the first memory location, and wherein the step of storing the second data structure in a second memory location further comprises encrypting the second data structure before it is stored in the second memory location.

9 . A non-transitory computer-readable medium with instructions stored thereon, that when executed by a processor, perform the steps comprising:

providing a database configured for storing a plurality of user records and data structures;

providing a web server communicably connected to the communications network and to the database, the web server including an operating system-level virtualization platform configured for hosting and executing a plurality of containers, and for dynamically scaling said plurality of containers according to user demand and historic demand for said plurality of containers, wherein said plurality of containers includes:

1) a first container executing on said platform, the first container configured for accepting, via the communications network, input data from a user, storing said input data in one or more user records in the database, creating a first data structure composed of strings, attributes of strings, dependencies between strings, and hierarchies between strings, encoding changes to the first data structure based on the input data, populating the first data structure based on the input data, storing the first data structure in a first memory location, creating a second data structure composed of strings, attributes of strings, dependencies between strings, and hierarchies between strings, encoding changes to the second data structure based on the first data structure, populating the second data structure by mapping data from the first data structure, and storing the second data structure in a second memory location;

2) a second container executing on said platform, the second container configured for selecting a business, based on the input data, to which a business application shall be submitted, and determining which of the following containers to execute, based on a desired business application submission method for said business that was selected;

3) a remote server of the business, wherein the API call includes the second data structure, and executing said API call to the remote server via the communications network;

4) a fourth container executing on said platform, the fourth container configured for automatically preparing a business form based on the second data structure, and transmitting said business form to a business form administrator of the business via the communications network;

5) a fifth container executing on said platform, the fifth container configured for initiating, over the communications network, a call between the user and an agent, such that the agent aids in completing a business form based on the second data structure, and transmitting said business form to a business form administrator of the business via the communications network.

10 . The non-transitory computer-readable medium of claim 9 , wherein the step of accepting, via the communications network, input data from a user further comprises providing a graphical user interface on a web site.

11 . The non-transitory computer-readable medium of claim 10 , wherein the step of initiating, over the communications network, a call between the user and an agent further comprises initiating a call, over the public switched telephone network between the user and the agent.

12 . The non-transitory computer-readable medium of claim 11 , wherein the step of storing the first data structure in a first memory location further comprises encrypting the first data structure before it is stored in the first memory location, and wherein the step of storing the second data structure in a second memory location further comprises encrypting the second data structure before it is stored in the second memory location.

13 . The non-transitory computer-readable medium of claim 11 , wherein historic demand