Patent ID: 8655775

Claim:
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 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; receiving, by a receiving device, a routing identification request, wherein the routing identification request includes at least a merchant identification; identifying, by a processing device, a merchant transaction group, wherein the merchant transaction group includes transaction data entries of the plurality of transaction data entries where the included merchant identifier corresponds to the merchant identification; identifying, by the processing device, a plurality of network subgroups in the merchant transaction group, wherein each network subgroup includes transaction data entries included in the merchant transaction group including 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 where the transaction date is a specific date; and identifying, by the processing device, a routing table or a merchant associated with the 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.