SURCHARGE ADVERSE SENSITIVITY CALCULATOR

摘要

Apparatus and methods are provided for adjusting a transaction cost and/or a transaction cost recovery amount. The adjusting may be based on a comparison of historical usage of a first payment instrument relative to use of a second payment instrument. Usage of the first or second payment instruments may be correlated to imposition of the transaction cost recovery amount. The adjusting may be based on determining a convenience fee and/or a transaction cost recovery amount for a funds transfer. The adjusting may be based on identifying a purchasing behavior. The purchasing behavior may include terminated or reduced spending, relative to historical spending, at a location that imposes a transaction cost recovery amount. The purchasing behavior may include identifying current payment instrument use at a location that imposes a transaction cost recovery amount.

主权项

1. A surcharge sensitivity calculator, the calculator comprising:
a non-transitory computer usable medium having computer readable program code embodied therein; a processor configured to execute the computer readable program code, the code when executed by the processor calculates a surcharge sensitivity; the computer readable program code in said calculator comprising:
computer readable program code for causing the calculator to impose a surcharge on a plurality of transactions processed during a pre-determined period of time;computer readable program code for causing the calculator to calculate a surcharge sensitivity of a performance metric in response to imposing the surcharge during the pre-determined period of time; andcomputer readable program code for causing the calculator to calculate an adjustment to the surcharge based on the surcharge sensitivity.