Patent ID: 6901406

Claim:
A method for providing to an end user, multi-dimensional customer profiles, allowing the end user to effectively manage customer targeting, said method comprising the steps of: compiling data from multiple sources to create a relational database; using tools to model the relational database and produce a first modeling result including at least one marketing model and at least one risk model for a customer, wherein the at least one marketing model includes a net present value/profitability model, a prospect pool model, a net conversion model, an attrition model, a response model, a revolver model, a balance transfer model, and a reactivation model, the tools include non-statistical tools including artificial intelligence; using the tools to compare the first modeling result to prior modeling results, and then select a modeling result to facilitate customer targeting; scoring the modeled database using the selected modeling result; integrating scores into a multi-dimensional structure; and providing access to end users to the multi-dimensional structure.