Abstract: A system and method for optimizing profitability is provided disclosing an intelligent customer scoring system (iCSS) for receiving a telephone number and transaction request. When the iCSS receives an initial transaction request, it accesses local information related to the number to predict a real-time initial customer score, wherein the requested initial transaction is allowed in real-time based on a comparison of the initial customer score, an expected profitability of the transaction, and a predetermined threshold level. The iCSS accesses information related to the number and the profitability of the transactions to refine the customer score. When the iCSS receives a subsequent transaction request, it is allowed or denied by comparing the refined customer score and expected profitability with the predetermined threshold.