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 configured to use models to generate customer lists for auctioning are disclosed. The method includes the steps of prompting a user to select at least one of a plurality of customer profiles, calculating a probability for each customer that the customer will respond to a product offer, grouping customers into distinct lists based upon at least one of the selected profiles and calculated probabilities, and prompting product dealers to bid on the customer lists. The auction is a probabilistic auction and participants have access to depersonalized information on prospective customers as well as probabilities that customers will respond.

Abstract: Method and systems using models for evaluating marketing campaign data in the form of database scores, stored procedures, and OLAP multidimensional structures. Models are used to target segments for marketing. The models are mathematical algorithms that map customer and/or account attributes such as, a customer's propensity to attrite, default on payments, and expected profitability. The method includes the steps of evaluating models using OLAP structures based on campaign drivers, that can segment gains charts to discover where a model is under performing and evaluating models performance over time to discover user defined trends.

Abstract: Methods and systems for increasing efficiency of a marketing campaign are disclosed. The method uses a system including a database containing customer demographic data and includes the steps of building models of predicted customer profiles and generating scores for prospective customers in the database based on predicted customer profiles.

Abstract: Methods and systems for increasing the efficiency of marketing campaigns are disclosed. A targeting engine is used for analyzing data input and generating data output. The method includes the steps of using historical data to determine a target group based upon a plurality of embedded models and directing the marketing campaign towards the target groups flagged by the models.

Abstract: Methods and systems for analyzing the success of a marketing campaign by using campaign results and an original campaign database are disclosed. The method includes the steps of profiling results of the marketing campaign against a list of user defined dimensions (analytic models may be used to derive dimensions) and assigning a score to the results of the marketing campaign.

Abstract: Methods and systems for modeling customer data into a multi-dimensional structure for access to enable efficient customer targeting are described. The method includes the steps of compiling data from multiple sources to create a relational database, using tools to model data within the relational database, scoring the modeled data, integrating scores into a multi-dimensional structure and providing access to end users to the multi-dimensional structure.

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: 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.

Abstract: Methods and systems configured to use models to generate customer lists for auctioning are disclosed. The method includes the steps of prompting a user to select at least one of a plurality of customer profiles, calculating a probability for each customer that the customer will respond to a product offer, grouping customers into distinct lists based upon at least one of the selected profiles and calculated probabilities, and prompting product dealers to bid on the customer lists. The auction is a probabilistic auction and participants have access to depersonalized information on prospective customers as well as probabilities that customers will respond.

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 modeling customer data into a multi-dimensional structure for access to enable efficient customer targeting are disclosed. The method includes the steps of compiling data from multiple sources to create a relational database, using tools to model data within the relational database, scoring the modeled data, integrating scores into a multi-dimensional structure and providing access to end users to the multi-dimensional structure.