Abstract: Method, system and media for a hybrid chat bot system that enables a user interface that can interact via simple text messages or rich chat bubbles with smart analytical data and provide a rich and efficient way for the user to respond. The hybrid chat bot system may also include a configurable scripting language for guiding the flow of the interview based on the information to be gathered, the user history with the system and the user's preferred method of interaction. The hybrid chat system may also include a way for a subject matter expert to seamlessly enter and exit the chat in the event of user difficulty to provide additional explanation or guidance, while retaining access to the rich chat bubbles with the associated variety of user interaction patterns.

Abstract: A system for providing communication between a first user on a first user interface and a second user on a second user interface is disclosed. The user interface may provide a document with a set of questions and fields for the first user to respond to the questions. Additionally, the first user interface may provide an option for requesting assistance from the second user on the second user interface. The second user may be presented all or some of the information from the first user interface on the second user interface. The second user may assist the first user or complete the document independently.

Abstract: Media, method and system for creating software capable of performing the steps necessary to prepare a complex form, and more particularly to the use of annotations to specify dependency information for the fields of the form. Embodiments of the invention break down the logic of complex forms into the much simpler logic of individual form fields, greatly simplifying the implementation of the overall logic by allowing individual fields to be worked on independently, with clear delineation of structure and function between them. Embodiments of the invention further allow a user to specify the immediate precursors for a field, and then automatically determine a global calculation order for all fields that ensures that all of the precursor fields for each field being calculated have been previously calculated before that field is calculated.

Abstract: A refinement verification engine authenticates a user submitting a subject tax return. The user is associated with an initial taxpayer identity confidence score in an intermediate range, such that the authenticity of the user is uncertain. The refinement verification engine is configured to perform the following steps: receiving tax information associated with the subject tax return for a subject taxpayer; acquiring an initial taxpayer identity confidence score that is indicative of a likelihood that the user is genuine; determining that the initial taxpayer identity confidence score falls into a predetermined range; identifying a verifiable data set within the taxpayer information; accessing an external data store containing information related to the verifiable data set; and determining whether information indicative of the verifiable data set is present in the external data store.

Abstract: A system, method and media for providing a simplified, personalized tax interview to a user preparing a tax return for a taxpayer by determining which portions of a full tax interview are relevant to the return being prepared and then presenting only those relevant portions to the user. To make this determination, one or more prototypes (each representing one or more underlying characteristics associated with the return that inform the relevant portions of the tax interview) are determined for the return based on information already known before the tax interview is presented and may be updated based on information entered during the tax interview.

Abstract: A computer program, a system, and a method facilitate transactions of taxpayer-specific items of information between taxpayers and third parties in a virtual venue. A set of taxpayer information related, at least in part, to a filed tax return of the taxpayer is received. The set of taxpayer information is filtered to obtain a marketable information set, which in turn includes taxpayer-specific items. A third-party value is obtained for each taxpayer-specific item, and the taxpayer is presented a sale value for each taxpayer-specific item. The taxpayer is presented an option to select at least one taxpayer-specific item to be sold in the virtual venue and an option for the taxpayer to select at least one third party to which to sell said at least one taxpayer-specific item. Upon the selection of the options by the taxpayer, the transaction is then processed and completed.

Abstract: Method, media, and system for authentication of a claimant as a claimed identity. Embodiments break the authentication process into two steps. In the first step, a registrant establishes an identity profile by presenting identity documents and authentication points that can later be used to verify that they are the person who established the identity profile. Subsequently, when a claimant claims the identity in the identity profile, an identity score and an authentication score can be calculated based on the identity profile and the information provided by the claimant. The authentication score measures how likely it is that the claimant is the same person who established the identity profile. The identity score measures how likely it is that the registrant is who they are claiming to be. The identity score and the authentication score can then be combined to determine the likelihood that the claimant actually corresponds to the claimed identity.

Abstract: Media, method and device for providing multiple, context-aware suggestion contexts to a user entering text data. To see the multiple suggestion contexts, the user can use a long-press gesture (or other gesture) to bring up a context-aware suggestion menu. This menu can include various suggestion contexts appropriate to the current text-entry field together with an indication of an additional gesture for each suggestion context. Each of these suggestion contexts can draw autocompletions (or other ways of inputting text) from a different source of completions, such as previous entries, common entries by other users, stored values, automatically determined values, and other sources.

Abstract: A system, method, and computer-readable media for automatically allocating a payment among a plurality of funding accounts according to rules configured by the user. Embodiments of the invention can further allocate a single purchase among multiple payment accounts. This can be used, for example, to automatically aggregate credit limits where no single funding account has sufficient credit to fund the purchase alone. Embodiments of the invention can also assist the user with budgeting expenses by charging payments to one or more budgeting accounts previously defined by the user according to additional rules.

Abstract: A method, system, and computer readable media for offering to the user of a payment vehicle a rewards program personalized to the user and the user's financial goals. A payment vehicle is provided with integrated reserved funds accounts which user can use to save up for large purchases. By designating the purchase for which these funds will ultimately be used, the user can be provided with personalized rewards programs relevant to planned purchases.

Abstract: Methods for providing a payment vehicle that includes a plurality of virtual budgeting accounts to which deposits can be allocated and from which payments can be automatically deducted based on transaction information and rules configured by the user. The user can allocate funds loaded onto the payment vehicle among the budget accounts they have created. Then, when making purchases, the funds will be deduced from the appropriate virtual budgeting accounts based on rules configured by the user. If insufficient funds remain in the appropriate budget account, then the card can be declined for that purchase, thereby automating the process of compliance with the user's defined budget.

Abstract: Method, system and medium for conducting a universal state tax interview. Provided are techniques to implement a universal state tax interview where interview questions can be skipped based on data obtained from any of a variety of federal tax interviews. Tax information and state-specific details can be imported from a tax data file for the taxpayer created based on the federal tax interview. In this way, state-level tax interviews for the taxpayer can be abbreviated or even skipped entirely, regardless of the provider of the software that conducted the federal tax interview.

Abstract: Potential benefits that may be applicable to a taxpayer are identified based upon other tax returns for other similar taxpayers, specifically based upon a common external entity that may provide or be associated with the benefit. Identified potential benefits are then recommended to the user. Steps may include receiving a set of taxpayer information related, at least in part, to a subject tax return of the subject taxpayer; identifying an external entity identified on the subject tax return; analyzing a filed return data store to determine benefits reported on tax returns that are indicative of the external entity; identifying a potential benefit associated with the external entity; determining an estimated criterion for the potential benefit; determining whether the subject taxpayer is likely eligible for the potential benefit, based upon the estimated criterion and the set of taxpayer information; and recommending the potential benefit to the subject taxpayer.

Abstract: Discovering and categorizing individual purchases associated with a user is described. Exemplary steps include acquiring access to a repository; identifying, from within the repository, an electronic receipt; identifying, from within the electronic receipt, at least one line item; acquiring a set of user information; predicting, based at least in part on the set of user information, whether the line item falls within a certain category; and storing, if the line item falls within the certain category, the line item such that information associated with the line item is retrievable.

Abstract: A system, a computer program, and a computerized method for the processing and completion of form documents. A form processing engine receives the form from the user. The form processing engine captures and stores an image of the form and extracts field metadata from the form, specifically each field on the form by name, type, and position. A form completion engine then renders the captured image of the form and generates a field overlay. The form completion engine populates the field overlay with user data as retrieved from a user information data store. The form completion engine may add additional objects and events to the form and invite the user to provide additional information. Completion of form documents is streamlined and largely or completely automated.

Abstract: Embodiments of the invention involve importing and storing a document from a user, including acquiring the document; analyzing the document to determine a set of identification information; determining a user account associated with the document based upon the set of identification information; determining a sensitivity level of the document; providing a certain level of access to the user account based upon the sensitivity level of the document; and storing the document in a document data store such that the document can be retrieved in association with the user account.

Abstract: Simplification of complex input strings is utilized for user convenience, such that the user may input a complex input string in lieu of performing an external calculation and inputting the result thereof. The simplification identifying at least one operator in the complex input string indicative of a mathematical operation, identifying a first sub-string and a second sub-string in the input string, comparing the first sub-string to an expectation identification associated with the input field to determine a significance of the first sub-string, comparing the first sub-string to a range expectation associated with said significance to determine if the first sub-string meets the range expectation, and calculating a simplified input string by performing the mathematical operation on the first sub-string and the second sub-string.

Abstract: Determining whether a subject tax return is fraudulent includes extracting from the subject tax return information and identifying one or more subject nodes based on the extracted information. Separately, a plurality of external nodes is generated based upon previously filed tax returns. At least a portion of the plurality of external nodes is fraud-indicative nodes. The subject nodes are compared to the external nodes to identify shared relationships of related information, such as a tax return related to an external node having the same bank account information as the subject tax return related to the subject node. Based upon shared information, links are determined to indicate whether the subject node is indicative of fraud.

Abstract: Media and method for presenting a user interface for verifying automatically recognized information from forms. Embodiments of the invention may import an image of a form and break the form down into a series of bounding boxes, each including the value of a form item and a description and/or label for the form item. When making use of a particular value from the form image, embodiments of the invention may present the bounding box containing that value to the user, together with enough context for the user to verify that the correct item has been identified and that the automatically recognized value is correct.

Abstract: A method, a system, and a computer program for predicting an impact of a tax event, such as reportable income on a 1099 form, on a user's tax liabilities at any intermediate time during a current tax year based on a comparison of known and predicted user information related to the user and the user's taxes, tax event information, and a tax deduction database of tax deductions, credits, and eligibility rules. The computer program and method for predicting the impact of the tax event comprise acquiring information about the user from a user profile, acquiring information about the tax event, comparing the user information and the tax event information with requirements for tax deductions and credits offered by a taxing authority, and identifying deductions or credits having requirements related to the user information and the tax event information.