Cindy Yam Rentala

US Patent:

20090271305, Oct 29, 2009

Filed:

Apr 23, 2008

Appl. No.:

12/108342

Inventors:

Raghav LAL - Palo Alto CA, US
Cindy Y. RENTALA - Foster City CA, US

International Classification:

G06Q 40/00

US Classification:

705 35

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.

US Patent:

20090271327, Oct 29, 2009

Filed:

Apr 23, 2008

Appl. No.:

12/108354

Inventors:

Raghav Lal - Palo Alto CA, US
Cindy Y. Rentala - Foster City CA, US

International Classification:

G06Q 40/00

US Classification:

705 36 R

Abstract:

A method and system of payment portfolio optimization that retrieves a plurality of consumer segments of a consumer portfolio from a diagnostics module where the consumer segments have potentially profitable opportunities. The method and system also develop a propensity model on a computer based on at least one performance metric, determine a likelihood from the propensity model that consumers in each of the plurality of consumer segments will perform favorably. The method and system also selects a set of consumer segments from the plurality of consumer segments based on the determined likelihood and designs a plurality of marketing treatments for the selected set of consumer segments.

US Patent:

20100185536, Jul 22, 2010

Filed:

Jan 21, 2010

Appl. No.:

12/691622

Inventors:

Cindy Rentala - Rye NY, US
Donaya Luangchotikul - Belmont CA, US

International Classification:

G06Q 40/00
G06Q 99/00
G06Q 10/00

US Classification:

705 30, 705347

Abstract:

Data from transactions conducted on prepaid accounts are accumulated for an issuer and its peers. The accumulated data is used for calculations for both the issuer and its peers to make comparison therebetween. The comparisons between the issuer and its peers are rendered graphically in a report. The issuers are in an open system payment processing network that includes merchants and their acquirers, and a transaction handler for authorizing, clearing and settling the transactions that are conducted on prepaid accounts.