Agentic AI Claims Processing for Eligibility and Fraud Detection

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Solution Overview

Problem

Traditional processing techniques in industries such as insurance, medical claims, and financial transactions struggle with inefficiencies, inconsistencies, and increased processing times due to manual interventions and semi-automated processes, especially with surging data volumes and complex decision-making requirements.

Innovation Solution

An agentic artificial intelligence system that integrates AI functionalities into a browser, processes natural language commands, and performs complex tasks autonomously, including data preprocessing, error detection, eligibility verification, fraud prediction, and personalized outreach, while continuously learning from interactions and adapting to market conditions.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If manual interventions and semi-automated processes are used, then system complexity is reduced and ease of operation is maintained, but processing efficiency and productivity deteriorate due to increased processing times and inconsistencies

Engineering Contradiction:
Improveprocessing efficiencyVSAvoidsystem complexity
Core Design Contradiction:
ProductivityVSDevice complexity

Solution Approach 1:

The AI system performs self-learning and self-improvement through continuous processing of claims data, automatically updating its models and algorithms without requiring manual reconfiguration. The system serves itself by autonomously identifying patterns, making decisions, and improving its own performance over time, thereby maintaining high productivity while managing complexity internally.

Inventive Principle:
Principle #25Self-service

Solution Approach 2:

Manual mechanical processes of claims adjudication are replaced with an intelligent automated system that uses machine learning and natural language processing. This substitution eliminates the need for manual human intervention in routine tasks while maintaining the ability to handle complex decision-making, thereby improving productivity without proportionally increasing operational complexity.

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

2Measurement precision

If more data is processed to improve decision-making accuracy, then measurement precision and reliability improve, but processing time and loss of time increase

Engineering Contradiction:
Improvedecision-making accuracyVSAvoidprocessing time
Core Design Contradiction:
Measurement precisionVSLoss of time

Solution Approach 1:

The system performs preliminary processing and analysis of claims data before final adjudication decisions are made. By pre-processing data, identifying potential issues, and preparing analysis results in advance, the system reduces the time required for final decision-making while maintaining high accuracy through comprehensive data evaluation.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The AI system operates continuously without interruption, processing claims data in real-time as it becomes available. This continuous operation eliminates idle time between processing steps and maintains constant productivity, allowing the system to analyze comprehensive data sets without proportionally increasing total processing time through parallel and continuous computation.

Inventive Principle:
Principle #20Continuity of useful action

3Manufacturing precision

If standardized data preprocessing is implemented, then manufacturing precision and measurement precision improve through consistency, but device complexity and ease of manufacture worsen due to additional processing steps

Engineering Contradiction:
Improvedata processing consistencyVSAvoidprocessing steps
Core Design Contradiction:
Manufacturing precisionVSDevice complexity

Solution Approach 1:

Multiple data preprocessing steps are merged into a single integrated processing pipeline within the AI system. Instead of separate discrete steps for validation, cleaning, and standardization, the system combines these functions into unified processing operations that maintain high consistency while reducing the apparent complexity of individual processing stages.

Inventive Principle:
Principle #5Merging (Combining)

Solution Approach 2:

The AI system implements universal preprocessing routines that handle multiple types of data and multiple processing requirements through a single set of standardized functions. This multi-functionality allows the system to maintain high processing consistency across different claim types while avoiding the need for separate complex processing paths for each data category.

Inventive Principle:
Principle #6Universality (Multi-functionality)

Data Source

PatentUS12373897B1Agentic artificial intelligence system
Publication Date: 2025.07.29 TRAN BAO
  • US12373897B1 patent drawing
  • US12373897B1 patent drawing
  • US12373897B1 patent drawing

AI summary

An agentic artificial intelligence system processes insurance claims, medical claims, financial transactions, and sales leads by receiving and preprocessing claimant, patient, transaction, and prospect data to standardize formats, remove sensitive identifiers, and enrich records. It uses machine learning, deep learning, natural language processing, and computer vision to analyze both structured and unstructured data, identify errors, inconsistencies, or fraudulent patterns, verify eligibility and compliance, and assign relevant codes based on historical and contextual information. The system calculates expected payouts or reimbursements, assesses transaction feasibility, and generates risk scores while adapting its predictions to market conditions, contractual factors, or clinical guidelines. A multi-agent framework coordinates specialized agents for eligibility verification, coding, pricing, fraud detection, and sales outreach, supporting multi-channel communication, lead prioritization, and natural language generation of outreach messages and decision-making explanations. Continuous learning is achieved via retraining, feedback loops, federated learning, and blockchain-based recordkeeping, ensuring secure, transparent, and compliant operations across multiple domains.