Glossary
Straight-Through Processing (STP)
Straight-through processing (STP) adjudicates and pays eligible claims with minimal human intervention when policy rules, evidence completeness, and fraud scores pass predefined automation thresholds.
What is straight-through processing in claims?
STP routes low-complexity, low-severity claims from FNOL through automated validation, coverage confirmation, and payment without manual desk review. Carriers implement STP for high-volume lines like auto glass, minor property damage, and routine medical bills where predictability and fraud risk are manageable.
What gates prevent unsafe automation?
Document completeness checks, policy limit validation, subrogation indicators, litigation probability, and anomaly scores typically break STP and escalate to licensed adjusters. ClaimGPT encodes these gates in run_fnol_triage output so operators see explicit reasons when a file leaves the fast track.
How do touchless claims relate to STP?
Touchless claims describe the customer experience—digital FNOL, automated status updates, and rapid settlement—while STP describes back-office adjudication mechanics. Both require reliable core-system integration and audit trails for regulators.
Frequently Asked Questions
- How does ClaimGPT help with Straight-Through Processing (STP)?
- ECO-AI invokes governed MCP tools for triage, policy lookup, fraud analytics, document extraction, and draft communications inside ChatGPT.
- Do AI recommendations replace licensed adjusters?
- No. Binding reserves, status updates, and outbound communications require explicit adjuster authorization.
- Where can I connect ClaimGPT?
- Visit /developer for ChatGPT MCP setup or /enterprise for architecture review with your integration team.