Patent ID: 8825547

Claim:
A method comprising the steps of: obtaining, by one or more computers of an electronic funds transfer bill payment system, a dropped payment file from a first client among one or more clients, said dropped payment file including data associated with at least one unsuccessful attempt to match payment data to a corresponding biller; cleaning, by said one or more computers, said data in said dropped payment file to create an updated dropped payment file; applying, by said one or more computers, matching logic to said updated dropped payment file to identify at least one recommended biller to which said payment data should likely have been routed to; and advising, by said one or more computers, at least one of said one or more clients of said at least one recommended biller; wherein: in said obtaining step, said unsuccessful attempt comprises an unsuccessful attempt to make an electronic funds transfer bill payment with said system; and in said applying step, said matching logic identifies said at least one recommended biller as a destination that said at least one unsuccessful attempt should likely have been routed to; and wherein: said at least one unsuccessful attempt comprises an attempt to settle a payment card account via an electronic funds transfer, and includes an account number associated with said payment card account; and said applying of said matching logic comprises identifying an issuer of said payment card account from a BIN portion of said account number.