System and method of intelligent call routing for cross sell offer selection based on optimization parameters or account-level data

Instructions embodied in a non-transitory computer readable medium capable of causing a computer to route in a central server system incoming customer communications to presentations relating to products or services predicted to be of interest to a customer, the instructions embodied in the non-transitory computer readable medium configured to cause the computer to:

• access information relating to one or more products or services;
• retrieve, for a plurality of customers, customer specific information, wherein the customer specific information of each customer is associated with the customer or an account of the customer;
• decide, for each of the one or more products or services, based on an estimated likelihood that the customer will purchase the one or more products or services, whether to route customer communications to one of a plurality of cross-sell presentations relating to said each offer associated with the one or more products or services, the estimated likelihood based at least in part on the customer specific information, wherein the customer communications are selected from a group consisting of telephonic calls, web-based communications, voice-over-IP communications, and real-time text interactions;
• and
• pre-forming a communication routing strategy consistent with said deciding in anticipation of customer communication;
• wherein the instructions embodied in the non-transitory computer readable medium cause the central server system to route the customer communication according to the pre-formed communication routing strategy by:
• receiving information of a customer communication at the central server system, the said information including identification data that identifies the origin of the customer communication and the medium of the customer communication;
• using the identification data to identify, by at least one computer processor, the customer for whom the communication routing strategy has been pre-formed;
• and
• generating by the at least one computer processor, a routing control signal for routing the customer communication to one of said plurality of cross-sell presentations based at least in part on the pre-formed communication routing strategy associated with the customer.

A method for routing communications from customers to selected presentations using a routing system and a central server system, the method comprising:

• accessing customer information of each of a plurality of customers, the customer information comprising at least one of account specific information of each of the plurality of customers and behavioral information of each of the plurality of customers;
• accessing information regarding a plurality of products or services;
• evaluating, by at least one computer processor, the customer information and the information regarding the plurality of products and services to determine input to the routing system, the input including at least one of a communication probability, an eligibility indicator, a customer response rate, and a financial parameter;
• computing, by at least one computer processor, an expected value for each customer based on the input to the routing system, the expected value based at least in part on the financial parameter;
• creating and prioritizing a list of products or services specific to each customer based on the computed expected value;
• receiving information of a customer communication at the central server system, the communication information including identification data that identifies the origin of the customer communication, the medium and the format of the customer communication;
• using the identification data to identify, by at least one computer processor, the customer for whom the list of products or services has been created and prioritized;
• generating, by at least one computer processor, a routing control signal for routing the customer communication so as to present an offer to the customer in accordance with the created prioritized list.

A method of presenting offers relating to products or services predicted to be of interest to a customer using a central server system, the method comprising:

• forming a prioritized offer list for the customer, in anticipation of at least one incoming communication from the customer, wherein the at least one incoming communication is selected from a group consisting of telephonic calls, web-based communications, voice-over-IP communications, and real-time text interactions, by performing the following steps:
• accessing information relating to one or more products or services;
• retrieving customer specific information associated with the customer or an account of the customer;
• deciding, for each offer associated with the one or more products or services, based on an estimated likelihood that the customer will purchase the one or more products or services, whether to include said each offer associated with the one or more products or services in the prioritized offer list, the estimated likelihood based at least in part on the customer specific information;
• pre-forming the prioritized offer list for the customer consistent with said deciding;
• and
• storing the prioritized offer list in association with the central server system;
• receiving, at the central server system, information of the customer logging into a customer service site;
• using the information to identify, by at least one computer processor, the customer for whom the prioritized offer list has been pre-formed;
• and
• generating, by the at least one computer processor, one or more offer presentations to the customer based at least in part on the pre-formed prioritized offer list.

A method of routing a customer through web presentations relating to products or services predicted to be of interest to the customer using a central server system, the method comprising:

• forming a web routing strategy for the customer, in anticipation of at least one web site from the customer, by performing the following steps:
• accessing information relating to one or more products or services;
• retrieving customer specific information associated with the customer or an account of the customer;
• deciding, for each offer associated with the one or more products or services, based on an estimated likelihood that the customer will purchase the one or more products or services, whether to route the customer to a cross-sell web presentation relating to said each offer associated with the one or more products or services, the estimated likelihood based at least in part on the customer specific information;
• pre-forming the web routing strategy for the customer consistent with said deciding;
• and
• storing the web routing strategy in association with the central server system;
• receiving, at the central server system, information of the customer logging into a customer service site;
• using the information to identify, by at least one computer processor, the customer for whom the web routing strategy has been pre-formed;
• and
• routing, by the at least one computer processor, the customer to at least one cross-sell offer presentations based at least in part on the pre-formed web routing strategy.