Patent ID: 8566204

Claim:
A method for determining beneficiary eligibility, the method comprising: accessing record data from a financial institution relating to banking transactions of a potentially ineligible beneficiary; analyzing the record data to determine a pattern of the banking transactions for a time period following initiation of receiving the benefit being defined as a near-term pattern and for a time period following the time period associated with the near-term pattern being defined as a far-term pattern; identifying deviations between the near-term pattern and the far-term pattern; applying a rule selected from a plurality of rules stored on a database to the deviations to determine a level of noncompliance of each of the deviations with the rule; determining a level of overall noncompliance of the deviations by analyzing the level of noncompliance of each of the deviations; determining if the level of overall noncompliance is within a range of acceptable noncompliance; wherein each of the rules is assigned a predetermined rank according to its importance in determining overall noncompliance with respect to the other rules of the plurality of rules; wherein compliance with the rule results in no action being taken; wherein the level of overall noncompliance being within the range of acceptable noncompliance results in no action being taken; wherein the level of overall noncompliance being outside the range of acceptable noncompliance results in determining if the level of overall noncompliance is above an audit threshold; wherein the level of overall noncompliance being above the audit threshold results in auditing the record data relating to the beneficiary; wherein the level of overall noncompliance being below the audit threshold results in communicating with the beneficiary; wherein the request for the action to be taken is provided to a user using a user interface; and wherein accessing the record data, analyzing the record data, identifying the deviations between the near-term pattern and the far-term pattern, applying the rule, determining the level of noncompliance, and determining if the level of noncompliance is within the range of acceptable noncompliance are carried out using a computerized device.