Telecommunication network subscriber conversion using cluster-based distance measures

A non-transitory computer-readable medium storing instructions which, when executed by a processing system including at least one processor, cause the processing system to perform operations, the operations comprising:

• obtaining data records of a business entity including data associated with a plurality of subscribers;
• clustering the plurality of subscribers into a plurality of clusters in accordance with the data associated with the plurality of subscribers;
• identifying a first set of subscribers of the plurality of subscribers enrolled in existing automated clearing house payment agreements with the business entity;
• identifying a second set of subscribers of the plurality of subscribers not enrolled in the existing automated clearing house payment agreements with the business entity;
• calculating a plurality of distance measures for the second set of subscribers, wherein for each respective subscriber of the second set of subscribers, the plurality of distance measures includes a respective distance measure of the respective subscriber of the second set of subscribers to a feature centroid for a subset of the first set of subscribers that is in a same cluster of the plurality of clusters as the respective subscriber of the second set of subscribers;
• selecting a subset of the second set of subscribers based upon the plurality of distance measures for receiving an offer in a new automated clearing house payment agreement;
• and
• presenting communications to the subset of the second set of subscribers with the offer to enroll in the new automated clearing house payment agreement.

An apparatus comprising:

• a processing system including at least one processor;
• and
• a non-transitory computer-readable medium storing instructions which, when executed by the processing system, cause the processing system to perform operations, the operations comprising:
• obtaining data records of a business entity including data associated with a plurality of subscribers;
• clustering the plurality of subscribers into a plurality of clusters in accordance with the data associated with the plurality of subscribers;
• identifying a first set of subscribers of the plurality of subscribers enrolled in existing automated clearing house payment agreements with the business entity;
• identifying a second set of subscribers of the plurality of subscribers not enrolled in the existing automated clearing house payment agreements with the business entity;
• calculating a plurality of distance measures for the second set of subscribers, wherein for each respective subscriber of the second set of subscribers, the plurality of distance measures includes a respective distance measure of the respective subscriber of the second set of subscribers to a feature centroid for a subset of the first set of subscribers that is in a same cluster of the plurality of clusters as the respective subscriber of the second set of subscribers;
• selecting a subset of the second set of subscribers based upon the plurality of distance measures for receiving an offer in a new automated clearing house payment agreement;
• and
• presenting communications to the subset of the second set of subscribers with the offer to enroll in the new automated clearing house payment agreement.