| 摘要 |
A method for identifying a merchant debit routing table includes: storing a plurality of transaction data entries, each entry including a first and second debit network, a utilized network, a merchant identifier, and a transaction date, the utilized network being the first or second debit network; receiving a routing identification request, the request including a merchant identification; identifying a merchant transaction group, the group including entries where the merchant identifier corresponds to the merchant identification; identifying a plurality of network subgroups in the group, each subgroup including entries including a common first and second debit network; identifying, for each subgroup, a preferred network based on the utilized network for each entry in the subgroup where the transaction date is a specific date; and identifying a routing table for a merchant associated with the merchant identifier based on the preferred network and the first and second debit network for each subgroup. |
| 主权项 |
1. A method for identifying a merchant debit routing table, comprising:
storing, in a database, a plurality of transaction data entries, wherein each transaction data entry includes data related to a payment transaction and includes at least a first debit network, a second debit network, a utilized debit network, and a merchant identifier, the utilized debit network being the first debit network or the second debit network; identifying, by a processing device, a subset of the plurality of transaction data entries, wherein each transaction data entry in the subset includes a specific merchant identifier; identifying, by the processing device, a plurality of network subgroups in the subset of the plurality of transaction data entries, wherein each network subgroup includes transaction data entries included in the subset includes a common first debit network and a common second debit network; identifying, for each network subgroup of the plurality of network subgroups, a preferred debit network based on the utilized debit network for each transaction data entry in the network subgroup; and identifying, by the processing device, a routing table for a merchant associated with the specific merchant identifier based on the preferred debit network and the first debit network and the second debit network for each network subgroup of the plurality of network subgroups. |
