TARGETED CUSTOMER OFFERS BASED ON PREDICTIVE ANALYTICS

1 . A network device, comprising:

a transceiver to send and receive data over a network; and

a processor that is operative to perform actions, comprising:

receiving a request for an offer for a telecommunications product or service to be presented to a customer of a carrier service;

receiving information about a plurality of available offers, including at least one channel constraint on at least one of the available offers, or a predicted revenue for each available offer;

eliminating at least one available offer in the plurality of offers based on information about the customer;

determining a probability of acceptance of each remaining offer using predictive analytics to perform comparisons based at least in part on a customer attribute or a context of an offer;

determining scores for each of the remaining offers by employing a revenue and profitability maximization mechanism based in part on the probability of acceptance, customer context information, and the received information about each remaining offer; and

in response to the request, providing to the carrier service an offer having a highest score as being an optimal offer for the customer for a given channel in which the optimal offer is to be presented to the customer.

2 . The network device of claim 1 , wherein the predictive analytics is selected from one of a statistical regression model, decision tree, neural network, Bayesian classifier, graphical model, or survival model, pattern recognition.

3 . The network device of claim 1 , wherein determining scores further comprises employing at least one penalty for a given channel for each of the remaining offers in determining the scores for each of the remaining offers.

4 . The network device of claim 1 , wherein determining a probability of acceptance further comprises based in part on at least one customer attribute associated with a purchase history of the customer or a channel in which the best offer is to be presented to the customer.

5 . The network device of claim 1 , wherein the customer is assigned to a predictive model based on at least one of a random selection among different predictive models, or based on a characteristic of the customer.

6 . The network device of claim 1 , wherein a channel penalty is employed in determining scores for each of the remaining offers, wherein the channel penalty is configured as a channel specific time-based penalty that reflects at least a timing or frequency for which the provided optimal offer is to be presented to the customer.

7 . A processor readable storage medium that includes data and instructions, wherein the execution of the instructions on a computing device by enabling actions, comprising:

receiving a request for an offer for a product or service to be presented to a customer of a merchant;

receiving information about a plurality of available offers, including at least one channel constraint, and a predicted revenue for each available offer;

determining a probability of acceptance of each offer using an analytical model to perform comparisons based at least in part on a customer attribute or a context of an offering;

employing the analytical model to determine scores for each of the offers by employing a revenue or profitability maximization mechanism based in part on the probability of acceptance, customer context information, and the received information about each remaining offer; and

in response to the request, providing an optimal offer to the merchant, wherein the optimal offer is that offer having a highest score, wherein the optimal offer is presented by the merchant to the customer using at least one channel that includes a display on a computer device or a physical paper presentation.

8 . The processor readable storage medium of claim 7 , wherein the analytical model is selected from one of a statistical regression model, decision tree, neural network, Bayesian classifier, graphical model, or survival model, pattern recognition.

9 . The processor readable storage medium of claim 7 , wherein determining scores further comprises employing at least one penalty for a given channel for each of the remaining offers in determining the scores for each of the remaining offers.

10 . The processor readable storage medium of claim 7 , wherein a channel penalty is employed in determining scores for each of the offers, wherein the channel penalty is configured as a channel specific time-based penalty that reflects at least a timing or frequency for which the provided optimal offer is to be presented to the customer.

11 . The processor readable storage medium of claim 7 , wherein determining scores for each of the offers further comprises eliminating at least one offer for which it is determined that the customer is ineligible.

12 . The processor readable storage medium of claim 7 , wherein the scores are further determined based on maximizing, for the merchant, a purchase likelihood by the customer for the product or service and further maximizing, for the merchant, a financial impact or benefit.

13 . The processor readable storage medium of claim 7 , wherein the analytical model further comprises selecting the analytical model based on a classification of the customer, wherein the customer is classification based on one of a random classification, or based on a characteristic of the customer.

14 . A system for managing offers over a network, comprising:

a network device employed by a carrier service and configured to provide at least one product or service offer to a customer through at least one or a plurality of different channels, and to further perform actions, including

determining information about the customer, including a context for the customer, and an identifier of the customer;

sending a request for an optimal offer to be presented to the customer based on the customer identifier, context for the customer, and information about at least a subset of the plurality of different channels; and

another network device employed as a customer intelligence platform server that is configured to perform actions, including:

receiving the request for the optimal offer;

receiving information about a plurality of offers, including at least one channel constraint, and a predicted revenue for each offer;

determining a probability of acceptance of each offer using a model selected from at least one of a predictive or non-predictive model to perform comparisons based at least in part on a customer attribute or a context of an offering;

employing the selected model to determine scores for each of the offers by employing a revenue and profitability maximization mechanism based in part on the probability of acceptance, customer context information, and the received information about each remaining offer; and

providing the optimal offer to the network device, wherein the optimal offer is that offer having a highest score.

15 . The system of claim 14 , wherein the context for the customer comprises at least one of a location of the customer, a time of day, or a channel used by the customer to receive the offer.

16 . The system of claim 14 , wherein a channel specific time based penalty is employed to determine a frequency in which the optimal offer is to be presented to the customer for a given channel, wherein at least one channel is selected from one of a telephone conversation with the customer, a physical paper presentation to the customer, or a display on a screen of a client computer device.

17 . The system of claim 14 , wherein the customer is assigned to a model based on at least one of a random selection among different models, or based on a characteristic of the customer, the assigned model being the model selected to perform the comparisons.

18 . The system of claim 14 , wherein the optimal score is further determined based on maximizing the probability of acceptance while maximizing a financial impact or benefit to the carrier service.

19 . The system of claim 14 , wherein determining scores further comprises employing at least one penalty for a given channel for each of the offers in determining the scores for each of the offers.

20 . The system of claim 14 , wherein the probability of acceptance is determined based on a customer attribute that includes at least a purchasing history of the customer, and a channel history of the customer.