Patent ID: 6925441

Claim:
A computer-implemented method for targeted marketing of goods and services to specific customers, said computer-implemented method comprising the steps of: creating an electronic customer database; creating an offer of goods and services to be made to a specific customer in the customer database; analyzing the offer to be made to a customer in terms of the likelihood of the customer to accept the offer; calculating, using the computer a value of the offer to be made to the customer as an offer value by calculating a net present value of the offer for measuring a future executed transaction value in advance of the offer being release, wherein the calculation of the net present value comprises combining a customer value, an offers-specific value, and a cost-of-offer value; and presenting a offer to the customer when the offer value resulting from the net present value calculation is at or above a specific offer value threshold; whereby a likelihood that the customer responds positively to the offer is increased.