Abstract: Apparatus for electronically modifying a rule-based relationship between bank and a merchant is provided. The apparatus may comprise a receiver configured to receive information relating to a plurality of merchant transactions and a plurality of claims associated with at least a portion of the merchant transactions. The apparatus may further comprise a processor configured to calculate a first value, the first value corresponding to a sum of the plurality of claims divided by a sum of the plurality of merchant transactions. The processor may be further configured to electronically divide the first value by an industry benchmark value. In the event that the resultant value is greater than a predetermined threshold value, the processor may be further configured to electronically modify a database storing data corresponding to rules defining the relationship between the bank and the merchant.

Abstract: Apparatus for identifying misclassified customers in a customer database is provided. The apparatus may include a receiver configured to receive information corresponding to a plurality of customers and information corresponding to a plurality of transactions. The apparatus may additionally include a processor configured to calculate a mean transaction value and a standard deviation from the mean transaction value, wherein the mean transaction value is calculated using the plurality of transactions. The processor may be further configured to identify a subset of customers included in the plurality of customers and modify at least a portion of the electronic classifications of the subset of customers. The modification may include changing an individual customer classification to a small business or preferred customer classification.

Abstract: Apparatus for electronically modifying a rule-based relationship between bank and a merchant is provided. The apparatus may comprise a receiver configured to receive information relating to a plurality of merchant transactions and a plurality of claims associated with at least a portion of the merchant transactions. The apparatus may further comprise a processor configured to calculate a first value, the first value corresponding to a sum of the plurality of claims divided by a sum of the plurality of merchant transactions. The processor may be further configured to electronically divide the first value by an industry benchmark value. In the event that the resultant value is greater than a predetermined threshold value, the processor may be further configured to electronically modify a database storing data corresponding to rules defining the relationship between the bank and the merchant.