Patent ID: 8306850

Claim:
A method for directing an interaction with at least a first consumer, the method comprising the steps of: (a) providing a computer database comprising first information about plural consumers and second information about predetermined products, wherein the plural consumers include the first consumer, and wherein each of the plural consumers is associated with a current product mix comprising certain ones of the predetermined products independent of an association of another consumer with the predetermined products; (b) individually for each one of the plural consumers: (i) calculating, using a processor, an aggregate first Residual Life Time Value (“RLTV”) estimate from the time variable products in the current product mix for said one consumer; (ii) calculating, using a processor, an aggregate second RLTV estimate from the finite duration products in the current product mix for said one consumer; (iii) calculating, using a processor, an aggregate third RLTV estimate from the aggregate first RLTV estimate and from the aggregate second RLTV estimate; and (iv) calculating, using a processor, an aggregate Potential Life Time Value (“PLTV”) estimate from preselected products not in the current product mix for said one consumer; (c) analyzing a distribution of the aggregate third RLTV estimates for the plural consumers; (d) analyzing a distribution of the aggregate PLTV estimates for the plural consumers; (e) evaluating the first consumer as a function of the distribution of the third aggregate RLTV estimates and as a function of the distribution of the aggregate PLTV estimates; and (f) interacting with the first consumer based on said evaluation of the first consumer.