RevGuard is a SaaS-based company which uses A/B and Multivariate testing in a Cloud-hosted environment to dramatically improve the profitability of its merchant clients within Customer Service. Optimized Customer Outcome ("OCO"?) is a patent-pending technology that operates through Cloud-hosted IVR, hosted web, email and Live CSR applications which fully integrate into customer CRM's. The addition of chat, text and social media testing is scheduled for completion in 2014. When implemented, RevGuard's system optimizes CLV, typically providing a savings of up to 50% on refund costs, an increase of 8% on revenue per customer, a reduction of 45% on overall customer service costs and a reduction of 31% on chargebacks. The OCO system reliably delivers an 80% (or greater) increase in bottom-line profitability for RevGuard's clients, usually within 90 days.