21. The computerized method of claim 20 wherein if said electronic claim file contains one of an element of the concept vector or a business rule it is not further tested.
20. A computerized method for determining whether an insurance claim merits recovery comprising: receiving an electronic claim file via a communications network; compiling said electronic claim file in a processor to develop a dictionary of term data having synonyms relating to said electronic claim file via a search and indexing engine; storing said term data in a database, wherein the database stores the synonyms in association with one or more concepts, each of said concepts forming into an element in a vector, said search and indexing engine comparing said synonyms against elements of said vector to determine whether said electronic claim file contains a stored concept element; generating a score in said processor based on said determination of whether said electronic claim file contains said stored concept element; and routing the score to one or more recipients via said communications network.