Abstract: System and method for managing debt collection using clustering. Debt collection treatment for a delinquent account can be determined in a reliable and consistent way by examining historical credit and demographic data for the debtor. In some embodiments, a plurality of behavior clusters within a multi-dimensional space for modeling debtor behavior are established using representative portfolio data. Result probabilities for various stimuli to be applied to the customer can be represented by a difference score, which indicates a difference in result flowing from the presence of particular stimuli versus the absence of the stimuli. The difference scores for the various stimuli, when normalized, can be used to assign the delinquent account to a cluster, which determines the treatment to be applied to the account.

Abstract: An intelligent marketing system receives a customer list from a client and acquires a list of prospects for the client. One or more demographic attributes is appended to the list. A logistic regression is performed to calculate the probability of response from each prospect. The client selects one or more prospects to contact based on a scaled score. The system creates a contact file with the selected prospects and includes a unique response code for each desired prospect. The contact file is sent to a distribution center and each selected prospect is contacted. The unique response code is included with each contact. One or more prospects responds and is recognized due to the unique response code. The prospective customer selects a particular offer which is recorded in the contact file. The client accesses the web site and each prospective customer individually. Contacts and responses are correlated for each prospect.