PAYMENT PORTFOLIO OPTIMIZATION
First Claim
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1. A method of payment portfolio optimization, comprising:
- retrieving information associated with at least one issuer over a payment processing network, the information associated with a plurality of consumers having accounts with the at least one issuer;
separating by a diagnostics module on a computer the plurality of consumers into a plurality of consumer segments based on segment definitions, wherein each of the plurality of consumer segments comprises consumers from the plurality of consumers that share at least one common segment definition value;
analyzing by the diagnostics module on the computer the plurality of consumer segments using the retrieved information based on a plurality of performance metrics; and
identifying by the diagnostics module on the computer opportunities associated with the plurality of consumer segments based on the analysis of the consumer segments.
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Abstract
A method and system of payment portfolio optimization that retrieves information associated with a plurality of consumers in a consumer portfolio, separates by a diagnostics module on a computer the plurality of consumers into consumer segments based on segment definitions, analyzes by a diagnostics module on the computer the consumer segments using the retrieved information based on a plurality of performance metrics, and identifies revenue opportunities associated with the plurality of consumer segments based on the results from the analysis.
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Citations
26 Claims
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1. A method of payment portfolio optimization, comprising:
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retrieving information associated with at least one issuer over a payment processing network, the information associated with a plurality of consumers having accounts with the at least one issuer; separating by a diagnostics module on a computer the plurality of consumers into a plurality of consumer segments based on segment definitions, wherein each of the plurality of consumer segments comprises consumers from the plurality of consumers that share at least one common segment definition value; analyzing by the diagnostics module on the computer the plurality of consumer segments using the retrieved information based on a plurality of performance metrics; and identifying by the diagnostics module on the computer opportunities associated with the plurality of consumer segments based on the analysis of the consumer segments. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 21, 22, 23)
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11. A system of payment portfolio optimization, comprising:
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a database for storing information; and a computer processor for executing a diagnostics module, the diagnostics module coupled to the database, the computer processor for executing the diagnostics module configured to; retrieve information, from the database, associated with at least one issuer on a payment processing network, the information associated with a plurality of consumers having accounts with the at least one issuer; separate the plurality of consumers into a plurality of consumer segments based on segment definitions, wherein each of the plurality of consumer segments comprises consumers from the plurality of consumers that share at least one common segment definition value; analyze the plurality of consumer segments using the retrieved information based on a plurality of performance metrics; and identify opportunities associated with the plurality of consumer segments based on the analysis of the consumer segments. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20, 24, 25, 26)
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Specification