11. A computer system for determining whether an insurance claim has merit to warrant recovery comprising: a file input module, for receiving an electronic claim file; a search and indexing engine coupled to receive said electronic claim file, for creating a dictionary of term data having synonyms relating to said electronic claim file, said 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; and a scoring engine, in communication with said search and indexing system, for generating a score based on said determination of whether said electronic claim file contains said stored concept element.
11. A computer system for determining whether an insurance claim has merit to warrant recovery comprising: a file input module, for receiving an electronic claim file; a search and indexing engine coupled to receive said electronic claim file, for creating a dictionary of term data having synonyms relating to said electronic claim file, said 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; and a scoring engine, in communication with said search and indexing system, for generating a score based on said determination of whether said electronic claim file contains said stored concept element. 13. The computer system of claim 11 wherein a score derived from an N-Gram analysis forms an element for deciding if a claim has merit to warrant claim recovery efforts.