Rating system and method for identifying desirable customers

G - Physics – 06 – Q

Patent

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G06Q 10/00 (2006.01)

Patent

CA 2522612

An advanced rating method and system for identifying desirable customers. A prediction index is calculated for each customer to predict a trend of profit that the customer may generate. The prediction index is calculated based on various types of customer data including at least two types of customer data selected from the following: assets levels of the customer, demographic information of the customer, and transaction history of the customer. A score for each selected type of customer data is determined. Proper weights corresponding to each type of customer data are also obtained. The prediction index is then calculated based on the respective weights and scores corresponding to the selected types of customer data using an advanced algorithm. The prediction index is compared with a preset threshold to determine whether the customer is desirable.

L'invention concerne un procédé et un système de tarification avancés permettant d'identifier des clients au profil recherché. Un indice de prévision est calculé pour chaque client afin de prévoir une tendance de gain pouvant être générée par le client. L'indice de prévision est calculé en fonction des divers types de données client comprenant au moins deux types de données client sélectionnés parmi les données suivantes: niveau d'actif du client, informations démographiques du client, et historique des transactions du client. Un résultat est déterminé pour chaque type sélectionné de données client. Des coefficients de pondération adaptés correspondant à chaque type de données client sont également obtenus. L'indice de prévision est alors calculé en fonction des coefficients de pondération et des résultats respectifs correspondant aux types sélectionnés de données client à l'aide d'un algorithme avancé. L'indice de prévision est comparé à un seuil prédéterminé afin de déterminer si le client correspond au profil recherché.

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