Patent ID: 8015045

Claim:
A computer-implemented method comprising: accessing a plurality of computer-readable instructions; and executing the instructions on a computer system comprising computer hardware including at least one computer processor, wherein execution of the instructions by the computer processor causes the computer system to perform a plurality of operations comprising: selecting from a plurality of customers a statistically significant sample of customers; calculating a plurality of behavioral probabilities that each represent a probability that a specific customer will respond to a specific decision option; calculating a plurality of profitabilities that each represent a profitability resulting from a specific customer responding to the specific decision option; storing data that define a plurality of customer constraints in computer storage, wherein the customer constraints are selected from a group consisting of: an eligibility condition constraint, a peer group logic constraint, and a maximum number of offers constraint; storing data that define a plurality of economic, business, or consumer constraints in computer storage, wherein each constraint is reflective of an economic goal of a business to consumer decisioning strategy, thus formulating a linear optimization problem with a plurality of variables; reducing the linear optimization problem to a non-linear problem with a feasible number of dimensions, wherein the non-linear problem is mathematically equivalent to the linear optimization problem; and selecting a business to consumer decisioning strategy with desired expected utility and that satisfies the constraints at least in part by iteratively solving the non-linear problem on the sample of customers within a pre-defined tolerance, wherein the non-linear problem takes into account at least some of the behavioral probabilities and at least some of the profitabilities and the strategy defines which customers receive which decision options.