Optimization Protection

Consumer profile overview report

This report provides details of a consumer profile, such as the profile status being active or not, contact information of the profile, and the methods of payment the consumer uses.

Consumer profile overview report details
Report type	Supported entity types	Supported file formats
Consumer profile overview	PE - Processing Entity TD - Transaction Division BU - Business Unit FTI - Fund Transfer Instruction CO - Company RG - Reporting Group	Comma Seperated Values (CSV) Gzip or GNU Zip (GZ)

Note

You must subscribe to Value Added Services (VAS) to access the report.

Use cases

Understanding the expiration dates of cards can help in proactively reaching out to consumers for updates, minimizing disruptions in recurring billing.
Provides info about consumer Demographics and current status of the consumer accounts.
Businesses can identify the most popular and reliable payment methods among their consumers using Payment Method Type and Status.
Analyze the distribution and status of payment methods to optimize payment processing and reduce transaction failures.

Granularity

Profile ID, First Name, Last Name, Mail ID, Phone Number, Address, Profile Status, Payment method status, Payment Method Type, Payment Method Name, Card Expiration Date.

Fields

The following table shows the field details:

Field details
Field name	Description
Record Type	Identifies the section title.
Profile ID	Unique identifier of a consumer maintained in the firm, as requested by merchant. Consumer profile contains information relevant to processing transactions such as name, address, account, and payment methods.
JPMC Consumer Profile ID	Unique identifier of a consumer's information.
First Name by Payment Method	The first part of an individual’s name generally placed at the front of the given name.
Last Name by Payment Method	The last part of an individual’s name generally placed at the end of the given name. The last name is also known as the surname or family name based of the profile tied to payment method.
Profile Email Address	A mail system that allows a party to send and receive messages electronically. An email address is composed of a local part and a domain part. The local part is unique to the individual while the domain or host name must meet specific standards required by the host that administers the email service.
Phone Number	A locator whose value identifies the formatted numeric address for routing voice or data communications via telephony to reach a party. Note: Telephone number formats may vary; this field can include domestic and international telephone numbers.
Address Line 1	A portion of a party's address which is the line of the unstructured (unparsed) geographic street address containing any of the following: house number, street name, street direction, street type, dwelling type and number, PO Box number, rural delivery route number.
Address Line 2	A portion of a party's address which is the line of the unstructured (unparsed) geographic street address containing any of the following: house number, street name, street direction, street type, dwelling type and number, PO Box number, rural delivery route number.
Postal Code	The portion of a party’s address that is the encoded representation of a geographic area to facilitate mail delivery services.
Country Code	A code that identifies the country, a geographic area, that is recognized as an independent political unit in world affairs. Note: This data element is a child of the Country Code CDE and valid values are based on ISO standards.
Profile Status	The current status of a consumer profile. Valid values are: ACTIVE INACTIVE
Default Payment Method ID	Unique identifier of the type of payment accepted by a level of the hierarchy of the merchant acquiring account.
Account Status Code	The current status of the card. Valid values are: ACTIVE INACTIVE PENDING ERRORED SUSPENDED VERIFICATION_FAILED
Default Payment Method Type	Identifies the preferred method of payment used by this profile.
Default Payment Method Name	The preferred method name used to pay for the exchange of money, goods or services between a merchant and their consumer. Examples: Visa, MasterCard, PayPal, Bill Me Later etc.
Default Payment Method Code	The preferred codified method used to pay for the exchange of money, goods or services between a merchant and their consumer. Examples: Visa, MasterCard, PayPal, Bill Me Later etc.
Default Account Number (Last 4 Digits)	Identifies the final 4 digits of the Default Account Number. The truncated value is used in place of the full number to protect against exposure of confidential information.
Default Card Expiration Date	A number in the form of Month/Year that is displayed on the preferred card (Debit/Credit). This number is used for the date which is no longer in effect for transactions being processed at the Point of Sale. Such as MM/YY.

Sample report configurations

The following samples help you get an idea of how to configure consumer profile overview reports.

CO/BU/TD

The following request code block shows how to configure a consumer profile overview report for entityType = CO/BU/TD.

Json

{
    "entityType": "CO",
    "entityIds": [
        "242017"
    ],
    "reportSections": [
        
        {
            "sectionReportTypeName": "Consumer Profile Overview",
            "sectionTitle": "Consumer Profile Details",
            "sectionReportTypeId": "3019",
            "sectionSelectedFields": [
                {
                    "alias": "Record Type",
                    "constantValueText": "CPM-001"
                },
                {
                     "alias": "Profile ID",
                    "reportAttributeName": "Profile ID",
                    "aggregateOperationText": "max"
                },
                {
                    "alias": "Processor Profile ID ",
                    "reportAttributeName": "JPMC Consumer Profile ID"
                },
                {
                    "alias": "First Name ",
                    "reportAttributeName": "First Name by Payment Method"
                },
                {
                    "alias": "Last Name",
                    "reportAttributeName": "Last Name by Payment Method"
                },
                {
                    "alias": "Email Address",
                    "reportAttributeName": "Profile Email Address"
                },
                {
                    "reportAttributeName": "Phone Number"
                },
                {
                    "reportAttributeName": "Address Line 1"
                },
                {
                    "reportAttributeName": "Address Line 2"
                },
                {
                    "alias": "Address Postal Code",
                    "reportAttributeName": "Postal code"
                },
                {
                    "alias": "Address Country Code",
                    "reportAttributeName": "Country Code"
                },
                {
                    "reportAttributeName": "Profile Status"
                },
                {
                    "alias": "Payment Method ID",
                    "reportAttributeName": "Default Payment Method ID "
                },
                {
                   "alias": "Payment Method Status",
                    "reportAttributeName": "Account Status Code"
                },
                {
                    "alias": "Payment Method Type",
                    "reportAttributeName": "Default Payment Method Type"
                },
                {
                    "alias": "Payment Method Name",
                    "reportAttributeName": "Default Payment Method Name"
                },
        {
                    "alias": "Payment Method Code",
                    "reportAttributeName": "Default Payment Method Code"
                },
                {
                    "alias": "Payment Method (Last 4 Digit Card)",
                    "reportAttributeName": "Deault AccountNumber(Last 4 Digits)"
                },
        {
                   "alias": "Card Expiration Date",
                    "reportAttributeName": "Default Card Expiration Date"
                } 
        
                   ],
            "sectionFilterAttributeList": [
                {
                    "reportAttributeName": "Account Status Code",
                    "filterAttributeCode": "is not null"
                }
            ]
            
        }
    ],
    "fileDelimiter": ",",
    "reportConfigurationName": "Consumer Profile Report",
    "reportFileName": "CPM-001<Processing Entity ID>.<Report Type>.<frequency>.<From Date YYYY-MM-DD>.<To Date YYYY-MM-DD>",
    "reportHeader": "ProcessingEntityId=<Processing Entity ID>,ReportTypeName=<Report Type>,Frequency=<frequency>,FromDate=<From Date YYYY-MM-DD>,ToDate=<To Date YYYY-MM-DD>,GenerationDate=<Generation Date YYYY-MM-DD>,GenerationTime=<Generation Time HH:MM:SS>",
    "fileHeader": "BEGIN,ProcessingEntityId=<Processing Entity ID>,Frequency=<frequency>",
    "fileTrailer": "END,ProcessingEntityId=<Processing Entity ID>,Frequency=<frequency>",
    "csvColumnNameDisplayIndicator": true,
    "totalRowCountDisplayIndicator": false,
    "sectionRowCountDisplayIndicator": false,
    "reportConfigStatus": "active",
    "frequencyConfig": {
        "scheduleFrequency": "adhoc",
        "reportingPeriodStartTimestamp": "2025-04-01 00:23:29",
        "reportingPeriodEndTimestamp": "2025-04-04 00:23:29"
    }
}

PE

The following request code block shows how to configure a consumer profile overview report for entityType = PE.

Json

{
    "entityType": "PE",
    "entityIds": [
        "997946715419"
    ],
    "reportSections": [
        
        {
            "sectionReportTypeName": "Consumer Profile Overview",
            "sectionTitle": "Consumer Profile Details",
            "sectionReportTypeId": "3019",
            "sectionSelectedFields": [
                {
                    "alias": "Record Type",
                    "constantValueText": "CPM-001"
                },
                {
                     "alias": "Profile ID",
                    "reportAttributeName": "Profile ID",
                    "aggregateOperationText": "max"
                },
                {
                    "alias": "Processor Profile ID ",
                    "reportAttributeName": "JPMC Consumer Profile ID"
                },
                {
                    "alias": "First Name ",
                    "reportAttributeName": "First Name by Payment Method"
                },
                {
                    "alias": "Last Name",
                    "reportAttributeName": "Last Name by Payment Method"
                },
                {
                    "alias": "Email Address",
                    "reportAttributeName": "Profile Email Address"
                },
                {
                    "reportAttributeName": "Phone Number"
                },
                {
                    "reportAttributeName": "Address Line 1"
                },
                {
                    "reportAttributeName": "Address Line 2"
                },
                {
                    "alias": "Address Postal Code",
                    "reportAttributeName": "Postal code"
                },
                {
                    "alias": "Address Country Code",
                    "reportAttributeName": "Country Code"
                },
                {
                    "reportAttributeName": "Profile Status"
                },
                {
                    "alias": "Payment Method ID",
                    "reportAttributeName": "Default Payment Method ID "
                },
                {
                   "alias": "Payment Method Status",
                    "reportAttributeName": "Account Status Code"
                },
                {
                    "alias": "Payment Method Type",
                    "reportAttributeName": "Default Payment Method Type"
                },
                {
                    "alias": "Payment Method Name",
                    "reportAttributeName": "Default Payment Method Name"
                },
        {
                    "alias": "Payment Method Code",
                    "reportAttributeName": "Default Payment Method Code"
                },
                {
                    "alias": "Payment Method (Last 4 Digit Card)",
                    "reportAttributeName": "Deault AccountNumber(Last 4 Digits)"
                },
        {
                   "alias": "Card Expiration Date",
                    "reportAttributeName": "Default Card Expiration Date"
                } 
        
                   ],
            "sectionFilterAttributeList": [
                {
                    "reportAttributeName": "Account Status Code",
                    "filterAttributeCode": "is not null"
                }
            ]
            
        }
    ],
    "fileDelimiter": ",",
    "reportConfigurationName": "Consumer Profile Report",
    "reportFileName": "CPM-001<Processing Entity ID>.<Report Type>.<frequency>.<From Date YYYY-MM-DD>.<To Date YYYY-MM-DD>",
    "reportHeader": "ProcessingEntityId=<Processing Entity ID>,ReportTypeName=<Report Type>,Frequency=<frequency>,FromDate=<From Date YYYY-MM-DD>,ToDate=<To Date YYYY-MM-DD>,GenerationDate=<Generation Date YYYY-MM-DD>,GenerationTime=<Generation Time HH:MM:SS>",
    "fileHeader": "BEGIN,ProcessingEntityId=<Processing Entity ID>,Frequency=<frequency>",
    "fileTrailer": "END,ProcessingEntityId=<Processing Entity ID>,Frequency=<frequency>",
    "csvColumnNameDisplayIndicator": true,
    "totalRowCountDisplayIndicator": false,
    "sectionRowCountDisplayIndicator": false,
    "reportConfigStatus": "active",
    "frequencyConfig": {
        "scheduleFrequency": "adhoc",
        "reportingPeriodStartTimestamp": "2025-04-01 00:23:29",
        "reportingPeriodEndTimestamp": "2025-04-04 00:23:29"
    }
}

Download sample report

Download the sample Consumer profile overview report.

Scheduled and adhoc report configurations