Patent ID: 7912770

Claim:
A computer-based method of managing a consumer lifecycle in a credit-related industry, comprising: modeling, by a computer-based system for managing a consumer lifecycle in a credit-related industry comprising a processor and a non-transitory, tangible memory, consumer spending patterns using individual consumer data and aggregate consumer data, including tradeline data, internal customer data, and consumer panel data to produce a model of consumer spending patterns, wherein the model is stored in a memory of the computer-based system; estimating, by the computer-based system, credit-related information of an individual consumer based on tradeline data of the individual consumer, a previous balance transfer of the individual consumer and the model of consumer spending patterns, wherein the credit-related information comprises a spend amount associated with the individual consumer; offsetting, by the computer-based system, the previous balance transfers from the estimated credit-related information; assigning, by the computer-based system, a credit score to the individual consumer based on the estimated credit-related information, wherein the credit score includes an indicator indicating a trend of spending of the individual consumer over a given time and wherein the indicator is a numeric score and is a positive or a negative integer; and determining a strategy to interact with the individual consumer based on the credit score.