Abstract: The present invention provides a system and method of using highly structured program testing, regression testing, final test and fix procedures and commit procedures at the levels of the Business Unit, at an intermediate pre-integration branch level and finally at a primary technology branch of the current IOS source code system before final system testing is performed as an antecedent to a regular release of a new version of the IOS regularly, approximately every 8 weeks. New features and functions are accommodated in this 8 week release cycle by a process of alternating “fat” and “thin” releases which contain many and few new features respectively. Moreover, in the preferred embodiment which incorporates this rigorous process, no more than three generations of the main branches of the IOS source code are maintained at any one time.

Abstract: A method and system for purchased-based segmentation of potential customers employs the use of actual, observed purchases instead of presumptions and correlations to improve the accuracy of segmentation and involves collecting empirical data for a client on actual purchasing behavior of a group of customers and applying statistical modeling techniques to the empirical purchasing behavior data to identify segments or clusters of the customers that exhibit similar purchasing propensity characteristics. Thereafter, the segments or clusters are further differentiated from one another according to other factors having a tendency to directly affect actual purchasing behavior of the customers within the segments or clusters, and potential customers are then identified according to a correlation with the segments or clusters for customized marketing.

Abstract: The present invention relates to a method and system for evaluating the cause and effect of advertising and marketing programs using card transaction data. In one embodiment, access is provided to voluminous card-holder transaction data detailing accurate-to-the-penny transaction amounts, twenty-four hour active customers, and a multi-year transaction history per customer. Furthermore, such data is captured in real-time, and due to the sample size, can provide granular, statistically significant information at a local level for client and merchant coverage.