Patent ID: 8041637

Claim:
A computer implemented method comprising: using a processor in a system including at least one subsystem having a computing device with the processor and memory for storing executable instructions that are executable by the processor to perform: receiving a notice of a loss in a computer system, wherein the notice of the loss includes information contained in one or more fields and the loss involves more than one exposure; deriving each of the more than one exposures from the information received in the computer system and stored at a data store, where each exposure may independently expose an insurance company to liability, and wherein the data store includes at least one of the following: an incident data store that maintains information related to specifics of the loss; an insured data store that maintains information about an insured party involved in the loss; and a policy data store that maintains policy specific information that may modify coverage amounts for the loss; processing, in parallel, for each of the more than one exposures, one or more rules using the information in the computer system to derive a context of the loss; determining, using the one or more rules in the computer system, whether an automatic payment can be made to a payee for each of the more than one exposures based on the context of the loss, wherein the automatic payment can be made if the processed information passes one or more audit functions including verifying an accuracy of a payment of an exposure; and removing an exposure from an automatic payment when the one or more rules provide that an automatic payment cannot be made with the computer system while processing an automatic payment for an exposure when the one or more rules provide that an automatic payment can be made with the computer system.