1. An automated method of targeting specific consumers for a marketing campaign of goods and/or services, comprising: providing a multi-factorial mathematical model of defined parameters wherein the multi-factorial model is represented by the equation, 
 X=F 1 *F 2 *F 3 *F 4 *F 5 , where X is a ranking number, F 1 is a first parameter that scores a propensity to buy, F 2 is a second parameter that scores a propensity to pay, F 3 is a third parameter that scores a propensity to be reached, F 4 is a fourth parameter that scores at least one propensity to churn, and F 5 is a fifth parameter that scores a propensity to purchase multiple products; calculating a numerical value using the multi-factorial mathematical model for respective consumers; then ranking the consumers based on the calculated value associated with the model, wherein the calculating and ranking are programmatically carried out using at least one computer; and targeting only a subset of the ranked consumers for inclusion in a marketing campaign for defined goods and/or services based on the ranking.