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 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.