Patent ID: 7689451

Claim:
A method for offering a financial product or service to a group of consumers, the method comprising: storing, in a computer storage device, information representing a plurality of marketing packs and a predetermined marketing distance, wherein each of the plurality of marketing packs consists of a common set of marketing pack attributes and where each attribute is assigned a value, thereby providing a set of values for each marketing pack; determining, by a computer processor, consumer response rates to the plurality of marketing packs; selecting, by the computer processor and from the computer storage device, a first marketing pack from the plurality of marketing packs, the first marketing pack being associated with a consumer response rate higher than a threshold; determining, by the computer processor, a plurality of marketing distances between the first marketing pack and a plurality of remaining marketing packs using a multi-dimensional analysis with each dimension corresponding to a marketing pack attribute, wherein each marketing distance is indicative of a difference between the set of values associated with one of the remaining plurality of marketing packs and the first set of values associated with the first marketing pack; selecting, by the computer processor from the computer storage device, a second marketing pack based on the plurality of marketing distances determined, such that the marketing distance between the first marketing pack and the second marketing pack is no less than the predetermined marketing distance; and concurrently offering the financial product or service to the group of consumers using the first marketing pack and the second marketing pack.