Abstract: Systems and methods for constructing sets of synthetic data. A single data record is identified from a first set of data. The first set of data comprises a first plurality of data records, each of the data records including multiple items of data describing an entity. Using pattern recognition, the single data record is processed to identify a group of records from within the first set that have corresponding characteristics equivalent to the single data record. The identified group of records comprises a target set of variables and the group of records from the first set that are not identified comprises a control set of variables. The target set of variables and the control set of variables are processed, using probability estimation and optimization constraints, to determine a score for each of the records in the first set. The score describes how similar each of the records in the first set is to the single data record. The records associated with a percentage of the highest scores are identified.

Abstract: Methods and systems for identifying and retaining customers who are likely to terminate an existing loan contract at a date earlier than the loan termination date identified in the loan contract are disclosed. The method includes the steps of using an early termination model to identify customers likely to terminate an existing loan contract at a date earlier than the loan termination date identified in the loan contract, notifying those customers of new loan opportunities at competitive loan interest rates and attempting to cross sell new loans to the customers before the customer early terminates their existing loan.

Abstract: A method is disclosed for generating customer leads for use by dealers attempting to sell a product, for example a loan product. The method is implemented on a system and includes providing a database of customer information, predicting a propensity for one or more customers within the database to respond to an offer, predicting when the customers will respond to the offer, generating a potential customer list, and providing the potential customer list to one or more dealers.

Abstract: Methods and systems for identifying and retaining customers who are likely to terminate an existing loan contract at a date earlier than the loan termination date identified in the loan contract are disclosed. The method includes the steps of using an early termination model to identify customers likely to terminate an existing loan contract at a date earlier than the loan termination date identified in the loan contract, notifying those customers of new loan opportunities at competitive loan interest rates and attempting to cross sell new loans to the customers before the customer early terminates their existing loan.

Abstract: A method is disclosed for generating customer leads for use by dealers attempting to sell a product, for example a loan product. The method is implemented on a system and includes providing a database of customer information, predicting a propensity for one or more customers within the database to respond to an offer, predicting when the customers will respond to the offer, generating a potential customer list, and providing the potential customer list to one or more dealers.

Abstract: Methods and systems for managing customer relationships are disclosed where the method includes the steps of providing a database of customer information and customer spending data, predicting future customer behavior based on the customer information and customer spending data, and constructing customer campaigns with personalized offers for targeted customers.