Abstract: The methods described herein are suitable for use in explaining changes in the net federal tax between a current year and a preceding year (e.g., year-over-year changes). Thus, the methods have suitability for comparing taxes due amounts between different tax years as well as refund amounts between different tax years. The computing device presents to a user of the tax preparation software a multi-level data presentation of the reasons contributing to the differences in tax liability between a current year and a preceding year. In one aspect, the reasons may be expanded or collapsed to sure more or less detail depending on user preference.

Abstract: A virtual asset creation template associated with a class of virtual assets is identified and analyzed to identify and remedy vulnerabilities in the virtual asset creation template. If no vulnerability is identified in the virtual asset creation template, or once each vulnerability identified in the virtual asset creation template is remedied, each virtual asset of the virtual asset class generated using the virtual asset creation template is assigned an initial status of verified virtual asset. Instructions are generated for monitoring and detecting one or more trigger events in assets as well as instructions for implementing at least one responsive action associated with each of the one or more trigger events. Assets monitor and detect one or more trigger events and associated responsive actions are then performed upon the trigger event being detected.

Abstract: Aspects of the present disclosure provide methods and apparatuses for detecting duplicate copies of a form in an image of a document. An exemplary method generally includes obtaining a first digital image of a document, performing one or more transformations on the first digital image, determining one or more rectangles in the transformed first digital image, identifying at least a first duplicate copy of the form being depicted in the first digital image based, at least in part, on the detected one or more rectangles, and generating, based on the identified duplicate copy of the form, a notification that the first digital image includes at least the first duplicate copy of the form.

Abstract: Methods and systems of the present disclosure include identifying and addressing potential fictitious business entity-based fraud, according to one embodiment. The methods and systems identify fictitious business entities associated with fraudulent tax return filings, in one embodiment. According to one embodiment, the methods and systems acquire data associated with an employer identification number (EIN), apply the data to one or more predictive models to generate one or more risk scores to identify potentially suspicious EIN data, and perform one or more risk reduction actions based on the one or more risk scores, according to one embodiment.

Abstract: Invoice related financial transaction data is obtained and integrated into a personal financial management and bill payment system. The integrated invoice related financial transaction data is then analyzed to identify and extract additional invoice related financial transaction data, such as Level-3 financial transaction data, included in the invoice related financial transaction data. The additional invoice related financial transaction data is then used to more accurately and automatically identify tax related financial transactions for processing as tax related financial transactions having tax ramifications.

Abstract: Account takeover is one of a number of types of Internet-centric crime (i.e., cybercrime) that includes the unauthorized access/use of a user's account with the user's identity or credentials (e.g., username and/or password). Because fraudsters acquire user credentials through phishing, spyware, or malware scams, it can be difficult to detect unauthorized access of a user's account. Methods and systems of the present disclosure identify and address potential account takeover activity, according to one embodiment. The methods and systems acquire system access data, apply the system access data to one or more predictive models to generate one or more risk scores, and perform one or more risk reduction actions based on the one or more risk scores, according to one embodiment. The financial system is a tax return preparation system according to one embodiment.

Abstract: A method and system improves content searching in a question and answer customer support system by using a crowd-machine learning hybrid predictive model, according to one embodiment. The question and answer customer support system determines which customer support content to provide to users by using the hybrid predictive model, according to one embodiment. The question and answer customer support system receives a search query from a user and applies the search query (or a representation of the search query) to the hybrid predictive model, according to one embodiment. The hybrid predictive model generates a likelihood that particular customer support content is relevant to a user's search query, according to one embodiment. The question and answer customer support system acquires user feedback from users and updates/trains the hybrid predictive model based on the user feedback, according to one embodiment.

Abstract: Computer-implemented systems, methods and articles for preparing and/or submitting a plurality of different types of compliance forms for submission to a regulatory agency. The system includes a computing device, a data store, and a compliance form software program executable by the computing device. The compliance program includes a universal calculation engine, logic agent and user interface manager which are configured to process a respective domain model configured for each type of compliance form. Each domain model includes a calculation graph, a completeness model comprising decision table(s) and/or completeness graph(s), user interface assets and filing rules configured specifically for a particular type of compliance form. The rules and regulations for each type of compliance form are embodied in the declaratory data structures of the respective calculation graph and completeness graph for each domain model.

Abstract: Invoice related financial transaction data is obtained and integrated into a personal financial management and bill payment system. All invoices represented in the invoice related financial transaction data having the same payor user of the personal financial management and bill payment system and the same payee business are then identified and collected into aggregated same payor/same payee invoice related financial transaction data. The aggregated same payor/same payee invoice related financial transaction data is then analyzed to determine the aggregated total amount owed to the payee business by the payor user and this aggregated total amount is processed as a single payment due item by the personal financial management and bill payment system.

Abstract: A method and system parses natural language in a unique way, determining important words pertaining to a text corpus of a particular genre, such as tax preparation. Sentences extracted from instructions or forms pertaining to tax preparation, for example are parsed to determine word groups forming various parts of speech, and then are processed to exclude words on an exclusion list and word groups that don't meet predetermined criteria. From the resulting data, synonyms are replaced with a common functional operator and the resulting sentence text is analyzed against predetermined patterns to determine one or more functions to be used in a document preparation system.

Abstract: Invoice related financial transaction data is obtained and integrated into a personal financial management and bill payment system. Then all requested invoice payments associated with invoices represented in the invoice related financial transaction data having the same payee business are identified and collected into aggregated first payee business invoice payment request related financial transaction data. The aggregated first payee business invoice payment request related financial transaction data is then analyzed to determine the aggregated total amount owed to the payee business and this aggregated total amount is processed as a single funds transfer item by the personal financial management and bill payment system.

Abstract: Account takeover and stolen identity refund fraud are types of Internet-centric crime (i.e., cybercrime) that include the unauthorized access or use of a user account or identity information to file a tax return in order to obtain a tax refund and/or tax credit from, for example, a state or federal revenue service. Because fraudsters access legitimate user accounts or use legitimate identity information to create user accounts, it can be difficult to detect fraudulent activity in user accounts. Methods and systems of the present disclosure facilitate the identification and prevention of potential fraudulent activity in a financial system, according to one embodiment. The methods and systems automate fraud claim receipt, predictive model training, risk score threshold improvement/optimization, and/or investigation of potentially affected user accounts, according to one embodiment.

Abstract: A method for making a payment using a mobile device. The method includes capturing a facial image of a payee using a camera of the mobile device, wherein the payment is due from the user of the mobile device to the payee, retrieving an identifier of the payee based on the facial image, retrieving payment recipient identification information of the payee from a registered payee list based on the identifier, displaying, on the mobile device, a composite image comprising the facial image of the payee and the payment recipient identification information of the payee, receiving an input from the user authorizing the payment from a financial account of the user to the payee, and initiating the payment from the financial account to the payee based on the payment recipient identification information.

Abstract: The disclosed embodiments provide a system that enables access to a resource. During operation, the system obtains, from a first service, a request for access to the resource on a second service by a user using the first service. Next, the system provides, in a response to the request, an intent token for accessing the resource by the user to the first service. Upon receiving the intent token from an authorized user on the second service, the system enables access to the resource on the second service for the user on the first service.

Abstract: A method and system parses natural language in a unique way, determining important words pertaining to a text corpus of a particular genre, such as tax preparation. Sentences extracted from instructions or forms pertaining to tax preparation, for example are parsed to determine word groups forming various parts of speech, and then are processed to exclude words on an exclusion list and word groups that don't meet predetermined criteria. From the resulting data, synonyms are replaced with a common functional operator and the resulting sentence text is analyzed against predetermined patterns to determine one or more functions to be used in a document preparation system.

Abstract: A method and system learns new forms to be incorporated into an electronic document preparation system. The method and system receive form data related to a new form having a plurality of data fields that expect data values based on specific functions. The method and system gather training set data including previously filled forms having completed data fields corresponding to the data fields of the new form. The method and system group the training set data into groups and sample the groups. The method and system utilize machine learning in conjunction with the sampled training set data to identify an acceptable function for each of the data fields of the new form. The grouped and sampled training set data can also be passed to a quality assurance system.

Abstract: A method and system parses natural language in a unique way, grouping words commonly used together in a text corpus relating to one or more forms associated with document preparation, and eliminating less important words determined by frequency of usage and other techniques. Remaining word groups are then refined using several unique tests and recombinations, resulting in a final word group set that may be used to determine functions associated with form fields on a tax form, for example.

Abstract: A method and system learns new forms to be incorporated into an electronic document preparation system. The method and system receive form data related to a new form having a plurality of data fields that expect data values based on specific functions. The method and system gather training set data including previously filled forms having completed data fields corresponding to the data fields of the new form. The method and system utilize machine learning in conjunction with the training set data to identify the correct function for each of the data fields of the new form.

Abstract: Financial transaction data representing a current financial transaction is processed and divided into financial transaction data segments of one of more words or symbols. A financial transaction data segment in the current financial transaction is assigned a financial transaction data segment score based on an analysis of historical financial transaction categorizations of historical financial transactions containing the same financial transaction data segment. The calculated financial transaction data segment score is then compared with a defined threshold financial transaction data segment score and, if the calculated financial transaction data segment score is greater than the threshold financial transaction data segment score, the financial transaction containing the financial transaction data segment is categorized, at least temporarily, as being a first financial transaction category financial transaction.