Systems and Methods to Prevent Potential Attrition of Consumer Payment Account
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United States of America Patent
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Issued Date -
Dec 22, 2011
app pub date -
Jun 20, 2011
filing date -
Jun 21, 2010
priority date (Note) -
Abandoned
status (Latency Note)
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Abstract
Systems and methods are provided to generate a tool to predict voluntary account attrition in a payment processing system. In one aspect, a computing apparatus includes: a data warehouse configured to store transaction data of accounts issued by a plurality of issuers; and at least one processor configured to calculate values of a first plurality of variables for each of the accounts using the transaction data of the accounts issued by the plurality of issuers. The accounts include attrition accounts and non-attrition accounts. The at least one processor is further configured to identify a second plurality of variables from the first plurality of variables for a predictive model to distinguish, using the values and logistic regression, the attrition accounts from the non-attrition accounts.
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