Abstract: The present invention relates to a system and method for estimating the future and present value of credit accounts (FIG. 1). A plurality of profit driver segments (105) are established. A degree of belonging of the credit account to each of the plurality of profit driver segments (105) is determine by characterizing the credit account based upon it historical behavior (110). The probability of migration of the credit account from at least one profit driver segment (105) to at least one profit driver segment based upon historical behavior data is determined. The credit account can then be valued based upon the characterization of the credit account and the determined probability of migration. By examinating how accounts migrate between behavior segments over multiple periods, and analyzing the discounted cash flows associated with these migration patterns, a net present value may be calculated for each account.

Abstract: A system and method are disclosed for making an offer for at least one revolving credit product to an applicant. An identifier for each of a plurality of revolving credit products is stored and at least one attribute (145) is associated with each of the revolving credit products. An application for a revolving credit product is received from an applicant (105). One or more of the revolving credit product issuer's (160) objectives are identified. A set of revolving credit products that fit within an applicant profile is created, ranked, and at least one of the top ranking revolving credit products are then offered to the applicant from the set of revolving credit products.

Abstract: A system and method are disclosed for making an offer for at least one revolving credit product to an applicant. An identifier for each of a plurality of revolving credit products is stored and at least one attribute (145) is associated with each of the revolving credit products. An application for a revolving credit product is received from an applicant (105). One or more of the revolving credit product issuer's (160) objectives are identified. A set of revolving credit products that fit within an applicant profile is created, ranked, and at least one of the top ranking revolving credit products are then offered to the applicant from the set of revolving credit products.

Abstract: A system and method are disclosed for making an offer for at least one revolving credit product to an applicant. An identifier for each of a plurality of revolving credit products is stored and at least one attribute (145) is associated with each of the revolving credit products. An application for a revolving credit product is received from an applicant (105). One or more of the revolving credit product issuer's (160) objectives are identified. A set of revolving credit products that fit within an applicant profile is created, ranked, and at least one of the top ranking revolving credit products are then offered to the applicant from the set of revolving credit products.

Abstract: The present invention relates to a system and method for estimating the future and present value of credit accounts (FIG. 1). A plurality of profit driver segments (105) are established. A degree of belonging of the credit account to each of the plurality of profit driver segments (105) is determine by characterizing the credit account based upon it historical behavior (110). The probability of migration of the credit account from at least one profit driver segment (105) to at least one profit driver segment based upon historical behavior data is determined. The credit account can then be valued based upon the characterization of the credit account and the determined probability of migration. By examinating how accounts migrate between behavior segments over multiple periods, and analyzing the discounted cash flows associated with these migration patterns, a net present value may be calculated for each account.