Patent ID: 8825514
Filing Date: 2014-09-02
Classification: G06Q

Abstract:
1. A system for evaluating a first consumer, comprising: a computer database which contains first information about plural consumers and second information about predetermined products, wherein the plural consumers include the first consumer, and wherein each of the plural consumers is associated with a current product mix comprising certain ones of the predetermined products independent of an association of another consumer with the predetermined products; and a processor operatively connected to said database; wherein said processor is programmed such that: (a) for a time variable product in the current product mix for a one of the plural consumers, said processor: and wherein said processor is programmed to repeat (a) for each one of the plural consumers; and wherein said processor is programmed such that: (b) for a finite duration product in the current product mix for a one of the plural consumers, said processor: and wherein said processor is programmed to repeat (b) for each one of the plural consumers, and to determine, individually for each of the plural consumers, an aggregate third RLTV estimate from that consumer's aggregate first RLTV estimate and from that consumer's aggregate second RLTV estimate; and wherein said processor is programmed to: (c) calculate the likelihood of a one of the plural consumers to acquire one or more of the predetermined products not in the current product mix for said one consumer; and (d) for a preselected product not in the current product mix of a one of the plural consumers, said processor: and wherein said processor is programmed to repeat (c) and (d) for each one of the plural consumers, analyze a distribution of the aggregate third RLTV estimates for the plural consumers, analyze a distribution of the aggregate PLTV estimates for the plural consumers, and evaluate the first consumer as a function of the distribution of the third aggregate RLTV estimates and as a function of the distribution of the aggregate PLTV estimates.