System and method for determination of payroll related 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.

What is claimed is: 
     
         1 . 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 the first source comprises an employer payroll computer system at an employer location, the first payroll data being read and extracted by a payroll data extraction program at the employer location;   processing by the server computer the received payroll data in the first and second data formats into uniform format payroll data;   processing by at least one of the payroll data extraction program and the server computer the payroll data to remove at least some non-premium related data;   applying by the server computer one or more inclusion and exclusion rules from a rules engine to the processed 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.   
     
     
         2 . The computer-implemented method of  claim 1 , wherein the second source comprises a payroll company computer system. 
     
     
         3 . The computer-implemented method of  claim 1 , wherein the first source comprises a first employer payroll computer system at a first employer location, the first employer payroll computer system comprising a non-transitory computer-readable medium storing accounting software program instructions, and a data storage device having first employer payroll data stored in accordance with a format determined by the accounting software program, and wherein the second source comprises a second employer payroll computer system at a second employer location, the second employer payroll computer system comprising a non-transitory computer-readable medium storing accounting software program instructions, and a data storage device having second employer payroll data stored in accordance with a format determined by the accounting software program. 
     
     
         4 . The computer-implemented method of  claim 1 , wherein the processing to remove at least some non-premium related data comprises, for a payroll transaction associated with the first employer, determining whether a check date of the payroll transaction is between an effective date and an expiration date of an insurance policy issued to the first employer, and responsive to determining that the check date is not between the effective date and the expiration date of the insurance policy, removing the payroll transaction. 
     
     
         5 . The computer-implemented method of  claim 1 , wherein the processing to remove at least some non-premium related data comprises, for a payroll transaction associated with the first employer, determining whether a field of the payroll transaction data has a value of at least one of payroll liabilities and liability, and responsive to determining that the value of the field is at least one of payroll liabilities and liability, removing the payroll transaction. 
     
     
         6 . The computer-implemented method of  claim 1 , wherein the first data format is a first XML data format having first column settings and the second data format is a second XML data format having second column settings. 
     
     
         7 . The computer-implemented method of  claim 1 , further comprising:
 providing by the server computer the calculated payroll-based insurance premiums to a web server system;   transmitting by the web server system via a network the calculated payroll-based insurance premiums to a banking system.   
     
     
         8 . The computer-implemented method of  claim 1 , wherein the transmission of the calculated payroll-based insurance premiums to the banking system is configured to cause the banking system to withdraw funds in the amount of the calculated payroll-based insurance premiums from an employer bank account and deposit the withdrawn funds into an insurance company bank account. 
     
     
         9 . A computer system for determining payroll-based insurance premiums, comprising:
 a hardware server having at least one computer processor and a memory in communication with the at least one computer processor, the memory storing computer-readable instructions, which, when executed by the at least one computer processor, cause the at least one computer processor to:
 receive 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 payroll data extraction program at the employer location; 
 process the received payroll data in the first and second data formats into uniform format payroll data; 
 apply 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 
 calculate payroll-based insurance premiums using said data items; 
   wherein at least one of the hardware server and the payroll data extraction program is configured to process the payroll data to remove at least some non-premium related data.   
     
     
         10 . The system of  claim 9 , wherein at least one of the first source and the second source comprises a payroll company. 
     
     
         11 . The system of  claim 9 , wherein the first source comprises a first employer payroll computer system at a first employer location, the first employer payroll computer system comprising a non-transitory computer-readable medium storing accounting software program instructions, and a data storage device having first employer payroll data stored in accordance with a format determined by the accounting software program, and wherein the second source comprises a second employer payroll computer system at a second employer location, the second employer payroll computer system comprising a non-transitory computer-readable medium storing accounting software program instructions, and a data storage device having second employer payroll data stored in accordance with a format determined by the accounting software program. 
     
     
         12 . The system of  claim 9 , wherein the removing at least some non-premium related data comprises, for a payroll transaction associated with the first employer, determining whether a check date of the payroll transaction is between an effective date and an expiration date of an insurance policy issued to the first employer, and responsive to determining that the check date is not between the effective date and the expiration date of the insurance policy, removing the payroll transaction. 
     
     
         13 . The system of  claim 9 , wherein the processing to remove at least some non-premium related data comprises, for a payroll transaction associated with the first employer, determining whether a field of the payroll transaction data has a value of at least one of payroll liabilities and liability, and responsive to determining that the value of the field is at least one of payroll liabilities and liability, removing the payroll transaction. 
     
     
         14 . The system of  claim 9 , further comprising a billing system configured to receive the calculated payroll-based insurance premiums and to generate premium bills based on the received calculated payroll-based insurance premiums. 
     
     
         15 . A computer system for determining payroll-based insurance premiums, comprising:
 a web system server computer configured to receive 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 payroll data extraction program at the employer location;   a hardware server having at least one computer processor and a memory in communication with the at least one computer processor, the memory storing computer-readable instructions, which, when executed by the at least one computer processor, cause the at least one computer processor to:
 receive the first and second payroll data from the web system server computer; 
 process the received payroll data in the first and second data formats into uniform format payroll data; 
 store the uniform format payroll data in a database associated with the hardware server; 
 apply 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; 
 calculate payroll-based insurance premium data using said data items; and 
 provide the calculated payroll-based insurance premium data to the web system server computer; 
   wherein at least one of the hardware server and the payroll data extraction program is configured to process the payroll data to remove at least some non-premium related data.   
     
     
         16 . The computer system of  claim 15 , wherein the web system server computer is further configured to transmit the calculated payroll-based insurance premium data to a banking system. 
     
     
         17 . The computer system of  claim 16 , wherein the transmission of the calculated payroll-based insurance premiums to the banking system is configured to cause the banking system to withdraw funds in the amount of the calculated payroll-based insurance premiums from an employer bank account and deposit the withdrawn funds into an insurance company bank account. 
     
     
         18 . The computer system of  claim 15 , wherein the web system server computer is further configured to access at least a payroll system terminal of the first source on a periodic basis, and to upload new payroll information identified on the payroll system terminal. 
     
     
         19 . The computer system of  claim 15 , wherein the web system server computer is further configured to receive data from at least the first source in a push configuration. 
     
     
         20 . The computer system of  claim 15 , wherein at least one of the first source and the second source comprises a payroll company.