Patent ID: 8600854

Claim:
A method for implementation by one or more data processors forming part of at least one computing system, the method comprising: determining, by at least one data processor, present and future values for a plurality of customers of a financial institution, the present values characterizing a current value of a customer to the financial institution and being determined by a computer-implemented current value algorithm, the future values characterizing a forecasted value of a customer to the financial institution and being determined by a computer-implemented future value algorithm using a predictive statistical model; segmenting, by at least one data processor, the plurality of customers into a set of groups based on the determined values; first modeling, by at least one data processor, each of a first subset of the set of groups using acquisition decision processes of the financial institution; second modeling, by at least one data processor, each of a second subset of the set of groups using value-based decision processes of the financial institution; and characterizing, by at least one data processor, performance of the acquisition decision processes and the value-based decision processes based on the first and second modeling by storing value tags for each of the customers in a remote customer relationship value database coupled to a customer acquisition system via the Internet, wherein the determining of the present value includes adding, for each segment of the plurality of customers, a first weighted sum of continuous variables and a second weighted sum of categorical variables to obtain the future value associated with the segment, the future value associated with the segment being the future value of each individual in the segment; wherein the first weighted sum comprises a product of the continuous variables and corresponding coefficients; and the second weighted sum comprises a product of the categorical variables and its respective coefficients; initiating, by at least one data processor, customer treatment actions based on the characterized performance.