1. A system, comprising: a database; a computer system having read and write access to said database; and wherein said database stores a first plurality of records including a first record for a first consumer; wherein said first record stores: (1) CID data (consumer identification data) indicating a first consumer CID for said first consumer; (2) transaction data in a set of transaction class fields indicating items transacted by said first consumer during a first prior time period, including a first transaction class field indicating items transacted by said first consumer in a first transaction class during said first prior time period; (3) first correlated class predictive data in a first correlated class predictive data field indicating at least one of a ranking, a probability, and a prediction that said first consumer will transact in a first correlated class during a correlated time period, and wherein said correlated time period is subsequent in time to said first prior time period; wherein said computer system stores data defining a predictive model function, said predictive model function is defined at least in part by values representing statistical correlations between the existence of transactions in at least one transaction class for transactions that occurred during at least one second prior time period and transactions in at least one transaction class that occurred during at least one third time period, wherein said at least one third time period is subsequent in time to said at least one second time period, said statistical correlations derived from a second plurality of consumer records; and wherein said computer system is structured to (1) apply said predictive model function to transaction data in said first record for transactions in said first record that occurred during said first prior time period, to result in said first correlated class predictive data and (2) store said first correlated class predictive data in said first correlated class predictive data field of said first record.