Patent ID: 8799025

Claim:
A payor apparatus to facilitate workers' compensation insurance claims processing, comprising: a communication device to receive, at the payor apparatus, information from a plurality of remote bill input devices; a processor, at the payor apparatus and coupled to the communication device; and a storage device in communication with said processor and storing instructions adapted to be executed by said processor to: receive at the payor apparatus a first workers' compensation claim directly from a first remote bill input device; receive at the payor apparatus a second workers' compensation claim directly from a second remote bill input device; determine a first geographic location associated with the first workers' compensation claim; determine a second geographic location associated with the second workers' compensation claim; select, from a set of potential claims processing rules, a first claims processing rule for the first workers' compensation claim based on the first geographic location; select, from the set of potential claims processing rules, a second claims processing rule for the second workers' compensation claim based on the second geographic location; transform the first workers' compensation claim in accordance with the first claims processing rule; transform the second workers' compensation claim in accordance with the second claims processing rule; and transmit the transformed first and second workers' compensation claims directly from the payor apparatus to a third-party workers' compensation adjudication engine.