Abstract: In an embodiment of the invention, historical data related to multiple members of a customer loyalty program is gathered. A set of loyalty behavior models is developed for an individual member of the loyalty program is developed based on the historical data. For each campaign in a plurality of marketing campaigns, at least one combination of offers is inserted into each loyalty behavior model to output a plurality of net profit scores for the individual member, wherein each combination of offers outputs a separate net profit score. For each campaign in the plurality of campaigns, a combination of offers having the highest net profit score for the campaign is selected. The campaign having the highest net profit score of the plurality of campaigns is selected, and marketing materials for the selected campaign and combination of offers is transmitted to the individual member.

Abstract: In an embodiment of the invention, historical data related to multiple members of a customer loyalty program is gathered. A set of loyalty behavior models is developed for an individual member of the loyalty program is developed based on the historical data. For each campaign in a plurality of marketing campaigns, at least one combination of offers is inserted into each loyalty behavior model to output a plurality of net profit scores for the individual member, wherein each combination of offers outputs a separate net profit score. For each campaign in the plurality of campaigns, a combination of offers having the highest net profit score for the campaign is selected. The campaign having the highest net profit score of the plurality of campaigns is selected, and marketing materials for the selected campaign and combination of offers is transmitted to the individual member.

Abstract: A rewards program has been developed that increases incremental spend by a consumer while maximizing the profits to a transactional account company. In an embodiment, a predicted spend of a given consumer over a given time period is calculated. A spend threshold for the consumer is set based on the predicted spend over the given time period. An incremental spend reward offer is then customized for the consumer, where the offer maximizes profits resulting from the offer based on a calculation of consumer profits derived from campaign group responses. The customization may involve, for example, simulating a response of the given consumer to an offer having various combinations of incentive variables, with the customized offer including the combination of incentive variables that maximizes profits resulting from the offer in the simulation. The consumer is rewarded for spend above the spend threshold during the given time period.