System and Method for Execution-Time Deterministic Claims Adjudication and Payout Authorization Using Cryptographically Bound Evidence

This technical specification defines a domain-adapted application of execution-time evidence and deterministic acceptance mechanisms to regulated insurance and benefit claims adjudication environments. The specification establishes a method for determining claim adjudication finality and authorizing claim payouts contemporaneously with claim evaluation using cryptographically bound execution-time evidence. Claim-relevant data is captured at execution time, evaluated against predefined acceptance criteria, and used to generate a deterministic acceptance token that serves as the authoritative basis for payout authorization. Under this framework, absence of a valid execution-time acceptance token constitutes evidentiary insufficiency and cannot be cured through reconstructed records, narrative explanations, reserve rationales, internal risk scoring, or post-hoc interpretation. Any deviation from token-based adjudication finality requires invocation of a constrained, auditable override workflow. The specification enables regulators, insurers, administrators, and dispute resolution authorities to evaluate claim adjudication and payout decisions based on objective, execution-time evidence rather than retrospective documentation. It reduces delay-driven exposure, dispute volume, and bad-faith risk while preserving controlled discretion through transparent, auditable exception handling. This document does not redefine evidence creation, chain-of-custody, acceptance, or reliance mechanisms, but specializes existing execution-time primitives for deterministic claims adjudication and payout authorization in regulated insurance environments. Email: [email protected]