Visa Inc.
Systems, methods, and apparatuses for identifying dormancy risk

Abstract:

A first plurality of consumers having a target event is identified. A first dataset and a second dataset for the first plurality of consumers are received. The first dataset comprises first transaction card data for each consumer in the first plurality of consumers for a first time period, where the first time period is prior to the target event. The second dataset comprises second transaction card data for each consumer in the first plurality of consumers during a second time period, where the second time period is after the target event. A first score for each consumer is calculated using the first transaction card data and a second score for each consumer is calculated using the second transaction card data. The first score is compared to the second score for each consumer. In response to a determination that the second score is a threshold lower than the first score, one or more consumers are identified as high dormancy risk.