Patent ID: 7047251

Claim:
A computer-implemented method for a closed loop predictive modeling environment, for improving interactions with customers based on insight derived from previous customer interactions, the method comprising the steps of: (A) creating a virtual flat file that serves as a complete input stream for a predictive model so that no additional data is required by the predictive model, wherein the virtual flat file is created from at least one view of a database, wherein the at least one view comprises at least one database field and at least one transform based on database data, wherein the virtual flat file comprises data regions for identification, product ownership, behavior, demographics, model scores, and contacts; (B) building the predictive model for use in predicting future customer behavior; (C) segmenting a set of customers by a first characteristic stored in the database; (D) segmenting the set of customers by a second characteristic stored in the database; (E) generating a two-dimensional matrix for cross-segmenting the set of customers by both the first characteristic and the second characteristic; (F) interacting with the set of customers based on behavior predicted byte predictive model; (G) gathering results of the interactions with the set of customers; (H) updating the predictive model with the gathered results, wherein updating the predictive model refines the predictive model for improved future performance; and (I) repeating the steps of interacting, gathering and updating for enabling a closed loop of interacting with customers based on insight derived from prior interactions with customers.