# US 2019/0172079 A1 · Method of generating a prioritized listing of customers using a purchase behavior prediction score > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2019/0172079 A1 - Document ID: US20190172079A1 - Status: Published application - Kind: A1 - Application number: 16/269,409 - Filed: 2019-02-06 - Published: 2019-06-06 - Earliest claimed: 2013-05-31 - Assignees: Automotivemastermind, LLC - Applicants: Automotivemastermind, Inc. - Inventors: Marco G Schnabl; Johannes Gnauck - Web page: https://patentgrep.com/patent/US20190172079A1 ## CPC - G06Q 30/0202: Market predictions or forecasting for commercial activities - G06Q 10/063: Operations research, analysis or management - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## Abstract There is provided a method of generating on a computer a prioritized listing of customers. The method includes establishing a data communications link to a database including financial payment information related to a financial transaction of an existing vehicle of each customer. The method includes retrieving an existing payment amount based upon the financial payment information. The method includes calculating a new payment amount. The method further includes deriving a payment difference score based upon a difference between the existing payment amount and the new payment amount. The method includes determining a behavior factor. The method includes deriving on a computer a behavior score based upon the behavior factor. The method includes determining a purchase behavior prediction score based upon the payment difference score and the behavior score. The method further includes ranking each customer based upon the determined purchase behavior prediction score. The method further includes generating a prioritized listing using the ranking of each customer. ## Claims ### Claim 1 A method of generating on a computer a prioritized listing of customers, each customer having an existing vehicle, the method comprising: establishing on a computer a data communications link to a database, the database including financial payment information related to a financial transaction of the existing vehicle of each customer; retrieving on a computer an existing payment amount based upon the financial payment information related to the financial transaction of the existing vehicle for each customer; calculating on a computer a new payment amount related to a proposed financial transaction of a new vehicle for each customer; deriving on a computer a payment difference score based upon a difference between the existing payment amount and the new payment amount for each customer; determining on a computer a behavior factor for each customer, the behavior factor not being based upon a payment difference between the existing payment amount and the new payment amount for each customer; deriving on a computer a behavior score based upon the behavior factor for each customer; determining on a computer a purchase behavior prediction score based upon the payment difference score and the behavior score for each customer; ranking on a computer each customer based upon the determined purchase behavior prediction score; and generating on a computer a prioritized listing using the ranking of each customer. ### Claim 2 (depends on 1) The method of claim 1 further includes: making the prioritized listing available via a computer. ### Claim 3 (depends on 1) The method of claim 1 wherein the behavior factor is an equity value, the equity value is related to a summation of payments made with regard to the financial transaction of the existing vehicle for each customer. ### Claim 4 (depends on 1) The method of claim 1 wherein the behavior factor is an equity value, the equity value is related to a financial obligation pay-off amount with regard to the financial transaction of the existing vehicle for each customer. ### Claim 5 (depends on 4) The method of claim 4 wherein the equity value is further related to a determined market value of the existing vehicle for each customer. ### Claim 6 (depends on 1) The method of claim 1 wherein the behavior factor is a payments remaining value, the payments remaining value is related to a summation of a number of payments remaining with regard to the financial transaction of the existing vehicle for each customer. ### Claim 7 (depends on 1) The method of claim 1 wherein the behavior factor is a warranty related value, the warranty value is related to a warranty status with regard to the financial transaction of the existing vehicle for each customer. ### Claim 8 (depends on 1) The method of claim 1 wherein the behavior factor is a lease mileage value, the least mileage value is related to a status of a number of miles driven of the existing vehicle for each customer with regard to total allowable lease mileage. ### Claim 9 (depends on 1) The method of claim 1 wherein the behavior factor is a product related value, the product related value is related to specific product enhancements of the new vehicle compared to the existing vehicle for each customer. ### Claim 10 (depends on 1) The method of claim 1 wherein the behavior factor is an amount of time of ownership related value, the amount of time of ownership related value is related to the amount of time owning the existing vehicle for each customer. ### Claim 11 (depends on 1) The method of claim 1 wherein the behavior factor is an incentive related value, the incentive related value is related to the total amount of current available financial incentives related to a proposed financial transaction of a new vehicle for each customer. ### Claim 12 (depends on 11) The method of claim 11 wherein the incentive related value is related to a customer employment data. ### Claim 13 (depends on 12) The method of claim 12 further includes: receiving on a computer customer employment data associated with at least one customer. ### Claim 14 (depends on 13) The method of claim 13 wherein the customer employment data is related to the employer of the customer. ### Claim 15 (depends on 1) The method of claim 1 wherein the behavior factor is an interest rate related value, the interest rate related value is related to an interest rate related to a proposed financial transaction of a new vehicle for each customer. ### Claim 16 (depends on 1) The method of claim 1 wherein the behavior factor is a household demand value, the household demand value is related to a number of vehicles associated with each customer. ### Claim 17 (depends on 15) The method of claim 15 wherein the household demand value is based upon vehicle registration data. ### Claim 18 (depends on 16) The method of claim 16 further includes: receiving on a computer vehicle registration data associated with at least one customer. ### Claim 19 (depends on 1) The method of claim 1 wherein the determining on a computer a behavior factor for each customer includes establishing on a computer a data communications link to a database, the database containing information regarding the behavior factor. ### Claim 20 (depends on 1) The method of claim 1 wherein the behavior factor includes more than one behavior factor, the method includes deriving on a computer a behavior score based upon each behavior factor for each customer. ### Claim 21 (depends on 20) The method of claim 20 wherein the purchase behavior prediction score is based upon the payment difference score and the behavior scores for each customer. ### Claim 22 (depends on 1) The method of claim 1 further includes determining on a computer a buying behavior factor for each customer; and determining the purchase behavior prediction score using the buying behavior factor to adjust a relative weighting among the payment difference score and the behavior scores for each customer. ### Claim 23 An article of manufacture comprising a non-transitory program storage medium readable by a data processing apparatus, the medium tangibly embodying one or more programs of instructions executable by the data processing apparatus to perform a method of generating on a computer a prioritized listing of customers, each customer having an existing vehicle, the method comprising: establishing on a computer a data communications link to a database, the database including financial payment information related to a financial transaction of the existing vehicle of each customer; retrieving on a computer an existing payment amount based upon the financial payment information related to the financial transaction of the existing vehicle for each customer; calculating on a computer a new payment amount related to a proposed financial transaction of a new vehicle for each customer; deriving on a computer a payment difference score based upon a difference between the existing payment amount and the new payment amount for each customer; determining on a computer a behavior factor for each customer, the behavior factor not being based upon a payment difference between the existing payment amount and the new payment amount for each customer; deriving on a computer a behavior score based upon the behavior factor for each customer; determining on a computer a purchase behavior prediction score based upon the payment difference score and the behavior score for each customer; ranking on a computer each customer based upon the determined purchase behavior prediction score; and generating on a computer a prioritized listing using the ranking of each customer.