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 a disputed merchant bank is provided. The apparatus may comprise a receiver configured to receive transactional data, claim data, and disputed merchant data from one or more databases. The apparatus may also include a processor configured to calculate metric values for each of a plurality of merchant banks. The processor may be further configured to profile a distribution of each of the metrics into two or more bins and to assign a risk score to each bin. The processor may also be configured to calculate an aggregated risk score for each of the plurality of merchant banks by summing a risk score for each metric value associated with the merchant bank, the risk score corresponding to the risk score of the bin into which the metric value is distributed.

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.