Abstract: A computer-implemented method for determining payroll related insurance premiums includes 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. At least one of the first source and the second source includes an employer payroll computer system at an employer location. The received data is read and extracted by a utility program at the employer location. The method further includes conditioning the received payroll data 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 inclusion and exclusion rules from a rules engine to determine payroll data items to consider in calculating a payroll-based insurance premium; and calculating payroll-based insurance premiums.

Abstract: A computer-implemented method for determining payroll related insurance premiums includes 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. At least one of the first source and the second source includes an employer payroll computer system at an employer location. The received data is read and extracted by a utility program at the employer location. The method further includes conditioning the received payroll data 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 inclusion and exclusion rules from a rules engine to determine payroll data items to consider in calculating a payroll-based insurance premium; and calculating payroll-based insurance premiums.

Abstract: A computer process for determining an insurance premium comprises: validating username/passwords; receiving payroll data asynchronously or scheduled in real time; extracting payroll data required for premium determination; detecting the presence or absence of fraud related to the payroll data; applying state jurisdictional inclusion and exclusion rules applicable to workers' compensation premiums; transferring premium to a billing system for debiting the customer account. The structural elements to the system are: a payroll system configured with an accounting/bookkeeping software where regular payroll data resides; a utility that permits reading payroll accounts residing in the accounting/bookkeeping software; an Internet connection having a browser; a filter to allow extraction of payroll data exclusive of other payroll deductions; a rules engine customized to a particular remote payroll system that includes a mechanism to separate different occupations and a billing system.

Abstract: A computer process for determining an insurance premium comprises: validating username/passwords; receiving payroll data asynchronously or scheduled in real time; extracting payroll data required for premium determination; detecting the presence or absence of fraud related to the payroll data; applying state jurisdictional inclusion and exclusion rules applicable to workers' compensation premiums; transferring premium to a billing system for debiting the customer account. The structural elements to the system are: a payroll system configured with an accounting/bookkeeping software where regular payroll data resides; a utility that permits reading payroll accounts residing in the accounting/bookkeeping software; an Internet connection having a browser; a filter to allow extraction of payroll data exclusive of other payroll deductions; a rules engine customized to a particular remote payroll system that includes a mechanism to separate different occupations and a billing system.

Abstract: A computer process for determining an insurance premium comprises: validating username/passwords; receiving payroll data asynchronously or scheduled in real time; extracting payroll data required for premium determination; detecting the presence or absence of fraud related to the payroll data; applying state jurisdictional inclusion and exclusion rules applicable to workers' compensation premiums; transferring premium to a billing system for debiting the customer account. The elements to the system comprise a payroll system configured with an accounting/bookkeeping software where regular payroll data resides; a utility that permits reading payroll accounts residing in the accounting/bookkeeping software; an Internet connection having a browser; a filter to allow extraction of payroll data exclusive of other payroll deductions; a rules engine customized to a particular remote payroll system that includes a mechanism to separate different occupations and a billing system.

Abstract: A computer process for determining an insurance premium comprises: validating username/passwords; receiving payroll data asynchronously or scheduled in real time; extracting payroll data required for premium determination; detecting the presence or absence of fraud related to the payroll data; applying state jurisdictional inclusion and exclusion rules applicable to workers' compensation premiums; transferring premium to a billing system for debiting the customer account. The elements to the system comprise a payroll system configured with an accounting/bookkeeping software where regular payroll data resides; a utility that permits reading payroll accounts residing in the accounting/bookkeeping software; an Internet connection having a browser; a filter to allow extraction of payroll data exclusive of other payroll deductions; a rules engine customized to a particular remote payroll system that includes a mechanism to separate different occupations and a billing system.