Apparatus for coordinating a rule-based relationship between a bank, a vendor and a merchant is provided. The apparatus may include a first receiver configured to receive an employee identification number input into a graphical user interface (“GUI”). The apparatus may additionally include the first receiver being configured to receive a billing account number input into the GUI. The apparatus may also include a processor configured to determine if the billing account number includes a number of consecutive, identical digits. The processor may further be configured to determine if the number of consecutive, identical digits is equal to or greater than a threshold number of consecutive, identical digits.