Patent ID: 8712807

Claim:
A computer-implemented method for determining payroll related insurance premiums, comprising: receiving at a server computer first payroll data relating to a first employer in a first data format from a first source and second payroll data in a second data format from a second source, wherein at least one of the first source and the second source comprises an employer payroll computer system at an employer location, the received data read and extracted by a utility program at the employer location; conditioning by the server computer the received payroll data in the first and second data formats into uniform format payroll data; filtering by at least one of the utility program and the server computer the payroll data to remove non-premium related data; applying by the server computer one or more inclusion and exclusion rules from a rules engine to the uniform format payroll data to determine payroll data items to consider in calculating a payroll-based insurance premium; and calculating by the server computer payroll-based insurance premiums using said data items.