Method and apparatus for targeting best customers based on spend capacity

A system comprising:

• a targeted marketing processor,
• a tangible, non-transitory memory configured to communicate with the processor,
• the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising:
• segmenting, by processor, existing consumers into categories, wherein the segmented existing consumer data is stored in a memory of the computer-based system;
• modeling, by the processor, characteristics of the existing consumers using individual and aggregate data of the existing consumers, including tradeline data, internal consumer data, and consumer panel data;
• determining, by the processor, correlations between the categories and the characteristics of the existing consumers;
• targeting, by the processor, consumers having characteristics correlated to a particular category, wherein the targeting comprises:
• estimating identifying, by the processor, an existence of an estimated previous balance transfer of a consumer,
• wherein the existence of the estimated previous balance transfer is estimated based on a change in the magnitude of a balance on at least one tradeline of the individual consumer during a given time period as compared to a balance of the at least one tradeline of the individual consumer in a time period prior to the given time period such that the change meets or exceeds a given threshold;
• estimating characteristics of the consumer based on, for a consumer, tradeline data of the consumer that comprises a spend amount associated with the consumer, balance transfers of the consumer, and a model of consumer spending patterns,
• offsetting, by the processor, the spend capacity by the estimated previous balance transfer;
• determining a subset of consumers having characteristics similar to the characteristics correlated to a particular category;
• and
• targeting the subset of consumers.

An article of manufacture including a non-transitory, tangible computer readable storage medium having instructions stored thereon that, in response to execution by a targeted marketing computer-based system, cause the computer-based system to perform operations comprising:

• segmenting, by the computer-based system, existing consumers into categories, wherein the segmented existing consumer data is stored in a memory of the computer-based system;
• modeling, by the computer-based system, characteristics of the existing consumers using individual and aggregate data of the existing consumers, including tradeline data, internal consumer data, and consumer panel data;
• determining, by the computer-based system, correlations between the categories and the characteristics of the existing consumers;
• targeting, by the computer-based system, consumers having characteristics correlated to a particular category, wherein the targeting comprises:
• estimating identifying, by the computer-based system, an existence of an estimated previous balance transfer of a consumer,
• wherein the existence of the estimated previous balance transfer is estimated based on a change in the magnitude of a balance on at least one tradeline of the individual consumer during a given time period as compared to a balance of the at least one tradeline of the individual consumer in a time period prior to the given time period such that the change meets or exceeds a given threshold;
• estimating characteristics of the consumer based on, for a consumer, tradeline data of the consumer that comprises a spend amount associated with the consumer, balance transfers of the consumer, and a model of consumer spending patterns,
• offsetting, by the computer-based system, the spend capacity by the estimated previous balance transfer;
• determining a subset of consumers having characteristics similar to the characteristics correlated to a particular category;
• and
• targeting the subset of consumers.