A system and method of targeted marketing to consumers, including businesses
and
associates, based upon the financial characteristics of the consumer, type offer
being made and the channel of communication for delivery of the offer. The consumer
is characterized based upon financial, behavioral, and socioeconomic factors. The
offer is characterized based upon the consumer and the potential for the consumer
accepting the offer. The channel of communication for delivery of the offer is
also characterized and combined with the consumer and consumer-offer characteristics
to arrive at a net present value of the offer to be made. If the net present value
is sufficient the offer is processed and presented to the consumer. If the net
present value is not sufficient, the offer is revised to present a better value
to the consumer (or discarded if the required offer value can not be created) thereby
enhancing the chances that the consumer will accept the offer in question. In this
way the system and method of the target marketing creates value in both releasing,
and not releasing, specific offers.
