Method and system for merchant debit routing table change detection

A method for identifying a change in a merchant routing table, comprising:

• storing, in a database, a plurality of transaction data entries, wherein each transaction data entry includes data related to a financial transaction and includes at least a first debit network, a second debit network, a utilized debit network, a merchant identifier, and a transaction date, 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 date of a predetermined range of dates, a preferred debit network for each network subgroup of the plurality of network subgroups based on the utilized debit network for each transaction data entry in the respective network subgroup where the transaction date corresponds to the respective date in the predetermined range of dates;
• identifying, for each date of the predetermined range of dates, 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 for the respective date of the predetermined range of dates;
• and
• identifying, by the processing device, a change in debit routing for the merchant based on the routing table for the merchant for each date of the predetermined range of dates.

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 involving a common merchant and includes at least a first debit network, a second debit network, and a utilized debit network, the utilized debit network being the first debit network or the second debit network;
• identifying, by a processing device, a plurality of subsets of the plurality of transaction data entries, wherein each transaction data entry included in each respective subset includes a common first debit network and a common second debit network;
• and
• identifying, by the processing device, a routing table for the common merchant based on a preferred debit network for each of the plurality of subsets of the plurality of transaction data entries based on the utilized debit network and the common first debit network and common second debit network for each transaction data entry included in each of the respective subsets.

A system for identifying a merchant debit routing table, comprising:

• a database configured to store 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;
• and
• a processing device configured to
• identify a subset of the plurality of transaction data entries, wherein each transaction data entry in the subset includes a specific merchant identifier,
• identify 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,
• identify, 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
• identify 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.

A system for identifying a change in a merchant routing table, comprising:

• a database configured to store a plurality of transaction data entries, wherein each transaction data entry includes data related to a financial transaction and includes at least a first debit network, a second debit network, a utilized debit network, a merchant identifier, and a transaction date, the utilized debit network being the first debit network or the second debit network;
• and
• a processing device configured to
• identify a subset of the plurality of transaction data entries, wherein each transaction data entry in the subset includes a specific merchant identifier,
• identify 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,
• identify, for each date of a predetermined range of dates, a preferred debit network for each network subgroup of the plurality of network subgroups based on the utilized debit network for each transaction data entry in the respective network subgroup where the transaction date corresponds to the respective date in the predetermined range of dates,
• identify, for each date of the predetermined range of dates, 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 for the respective date of the predetermined range of dates, and
• identify a change in debit routing for the merchant based on the routing table for the merchant for each date of the predetermined range of dates.

A system for identifying a merchant debit routing table, comprising:

• a database configured to store a plurality of transaction data entries, wherein each transaction data entry includes data related to a payment transaction involving a common merchant and includes at least a first debit network, a second debit network, and a utilized debit network, the utilized debit network being the first debit network or the second debit network;
• and
• a processing device configured to
• identify a plurality of subsets of the plurality of transaction data entries, wherein each transaction data entry included in each respective subset includes a common first debit network and a common second debit network, and
• identify, a routing table for the common merchant based on a preferred debit network for each of the plurality of subsets of the plurality of transaction data entries based on the utilized debit network and the common first debit network and common second debit network for each transaction data entry included in each of the respective subsets.