Patent ID: 7827045

Claim:
A method of managing insurance claim requests comprising: accessing, by a user system, an insurance request processing computer system; transmitting one or more insurance claim requests relating to an accident to the insurance request processing computer system, wherein at least one of the insurance claim requests comprises one or more request data elements; assessing, by the insurance request processing computer system, at least one fraud potential indicator for an insurance claim request relating to the accident, wherein the at least one fraud potential indicator comprises a numerical estimate of a probability of fraud in the insurance claim request, wherein the assessing of the at least one fraud potential indicator comprises: comparing, by the insurance request processing computer system, at least one of the request data elements to one or more fraud models comprising at least one historical fraud pattern derived from insurance claims that have been proven fraudulent, wherein comparison of the at least one of the request data elements to one or more fraud models comprises searching for request patterns in the one or more request data elements that are similar to the at least one historical fraud pattern; and applying, by the insurance request processing computer system, one or more business rules to at least one of the request data elements, the application of the one or more business rules comprising: computing one or more numerical values for the at least one fraud potential indicator using one or more formulas, wherein computing at least one of the numerical values for the at least one fraud potential indicator comprises: multiplying a loss type multiplier by at least one other numerical value to produce the numerical value for the at least one fraud potential indicator, wherein the value of the loss type multiplier varies depending on the type of accident; and automatically assigning the insurance claim request if one or more fraud potential indicators is within a fraud range.