Abstract: The disclosed embodiments relate to a computer system that facilitates the providing of an answer to a question. During operation, the computer system receives the question from a user, where the question is related to income taxes. Then, the computer system performs content-dependent processing of the question based on a tax-information data structure to produce the answer to the question. Note that the tax-information data structure includes: tax phrases, context information associated with the tax phrases, tax concepts that encompass multiple tax phrases, and/or statistical association metrics between the tax phrases and the tax concepts. Next, the computer system provides the answer to the user.

Abstract: A technique for collecting financial information is described. During this technique, a customer request to a financial institution to access a financial-software application is used to initiate an exchange of financial information between the financial institution and a provider of the financial-software application. In particular, in response to the forwarded customer request, the provider of the financial-software application may request, and then receive, financial information associated with the customer's account from the financial institution. Subsequently, the provider of the financial-software application may provide a document that facilitates access to the financial-software application to the customer. This document may include at least some of the received financial information.

Abstract: Techniques are disclosed for adjusting user experience of a software application based on paralinguistic information. One embodiment presented herein includes a computer-implemented method for adjusting a user experience of a software application. The method comprises receiving, at a computing device, an audio stream comprising audio of a user. The method further comprises analyzing the audio stream for paralinguistic information to determine an attribute of the user. The method further comprises identifying content of the audio stream. The method further comprises determining one or more actions based on the content of the audio stream. The method further comprises selecting at least one of the one or more actions based on the attribute of the user.

Abstract: A method for generating a service provider invoice includes obtaining documents from a plurality of sources via a service provider mobile device of a service provider. The documents are generated for customer jobs performed by the service provider at jobsites. Based on a pre-determined criterion, the documents are analyzed to identify a subset of the documents corresponding to a jobsite. The job data is extracted from the subset of the documents, and used to generate the service provider invoice. The job data includes time and material information associated with a customer job of the customer jobs that is performed at the jobsite.

Abstract: Personal financial management and bill payment system user identification data associated with users of a personal financial management and bill payment system and business invoicing system customer identification data associated with customers of user businesses of a business invoicing system is obtained and analyzed to identify users of the personal financial management and bill payment system that are customers of business users of the business invoicing system. Once a user of the personal financial management and bill payment system that is also a customer of a business user of the business invoicing system is identified, the business user of the business invoicing system is provided the capability to provide invoice data representing invoices generated by the business user of the business invoicing system to the user of the personal financial management and bill payment system through the personal financial management and bill payment system.

Abstract: A method and system provides improved routing efficiency for users of a data management system. The data management system includes a plurality of global traffic managers, local traffic managers, and data centers that store user data. Each data center is related to a respective global traffic manager and a respective local traffic manager. When a user submits a request to access data stored in one of the data centers, the data management system identifies a primary data center from which the user will access the user data and routes the user request data to the global traffic manager related to the primary data center.

Abstract: Financial transaction data representing financial transactions associated with a user of a personal financial management and bill payment system is obtained from, or through, the personal financial management and bill payment system. The financial transaction data is then analyzed to identify payee data representing the payees of financial transactions. The payee data is then compared with business user identification data representing users of a business invoicing system. If a match is found between a payee represented in the payee data and a business user represented in the business invoicing system, the associated payment is identified and processed as an invoice payment and the business user of the business invoicing system is provided the capability to provide invoicing data representing invoices generated by the business user to the user of the personal financial management and bill payment system through the personal financial management and bill payment system.

Abstract: A method for determining a future financial requirement of a business entity. The method includes obtaining a propensity model that models how data of a business entity relates to a future financial requirement. Also, the method includes gathering the data of the business entity. The data includes financial data of the business entity, and metadata describing use of a platform by users associated with the business entity. The data matches at least a subset of the propensity model. Further, the method includes scoring the business entity by applying the propensity model to the data of the business entity. In addition, the method includes generating, based on the score of the business entity, a classification of the future financial requirement of the business entity. Still yet, the method includes transmitting a message to the business entity based on the classification of the future financial requirement of the business entity.

Abstract: The invention relates to a method for gateway policy enforcement. The method includes receiving configuration data from a services registry. Also, the method includes annotating, based on the configuration data, a plurality of policies with flags. In addition, the method includes binding, using the annotations of the policies, a route to at least one of the annotated policies.

Abstract: A method and system facilitates the development of data science transformations in one programming language and the deployment of the data science transformations in another programming language, according to one embodiment. The method and system preserves relationships, functions, configurations, and characteristics between combinations of data transformations, according to one embodiment. The preservation of the relationships, functions, configurations, and characteristics is enabled by developing and providing a set of low-level (e.g., atomic) transformations that enable users to build their own models, libraries, and configurations into macro-transformations (e.g., conglomerate transformations), according to one embodiment.

Abstract: When an invoice is generated by a business through a business invoicing system, the invoice data is obtained and analyzed to identify customer identification data associated with, and identifying, the customer of the business to whom the invoice is directed. The customer identification data is then used to search user identification data associated with users of a personal financial management and bill payment system to determine if the customer of the business is also a user of the personal financial management and bill payment system. If it is determined that the customer of the business is also a user of the personal financial management and bill payment system, the business is provided the capability and opportunity to provide invoicing data representing invoices generated by the business through the business invoicing system to the customer through the personal financial management and bill payment system used by the customer.

Abstract: A method is provided for providing services gateway configuration data. The method includes receiving, from a services gateway, a request for configuration data. Also, the method includes identifying a first subset of stored configuration data that is responsive to the request. The first subset of the stored configuration data is identified using a content of the request and a state of the first subset of the stored configuration data. Additionally, the method includes sending, to the services gateway, the first subset of the stored configuration data.

Abstract: A method and system detects and addresses abnormalities in a financial management system. The method and system include gathering financial data related to financial transactions of the users of the financial management system and generating profile data related to patterns in the financial transaction data by analyzing the financial transaction data. The method and system further include detecting abnormalities in the financial management system by comparing subsequent financial transaction data to the profile data.

Abstract: A method for determining a future financial requirement of a business entity. The method includes obtaining a propensity model. The propensity model models how data of the business entity relates to a future financial requirement of the business entity. Also, the method includes gathering the data of the business entity. The data is created based on a platform utilized by the business entity, and the data of the business entity matches at least a subset of the propensity model. In addition, the method includes scoring the business entity by applying the propensity model to the data of the business entity. The method also includes generating, based on the score of the business entity, a classification of the future financial requirement of the business entity. Further, the method includes transmitting a message to the business entity based on the classification of the future financial requirement of the business entity.

Abstract: The present disclosure relates to extending object-schema-based application programming interfaces (APIs). According to one embodiment, a method generally includes receiving, from a user, a schema defining an extension to the API and a reference to a parent node in a graph projection of the API. An API system updates the graph projection of the API to include a node representing the extension and navigable path to the node representing the extension. The API system processes a request from the user by traversing through the updated graph projection of the API, the request representing the navigable path to the node representing the extension.

Abstract: A method and system adaptively improves potential customer conversion rates, revenue metrics, and/or other target metrics by providing effective user experience options to some users while concurrently testing user responses to other user experience options, according to one embodiment. The method and system selects the user experience options by applying user characteristics data to an analytics model to identify a predictive model that selects or determines the user experience options, according to one embodiment. The method and system analyzes user responses to the predictive model and/or user experience options to update the analytics model, and to dynamically adapt the personalization of the user experience options, according to one embodiment. The method and system dynamically and automatically defines, evaluates, and updates analytics models to provide progressively improving personalization of user experiences in a software system.

Abstract: An uncategorized financial transaction display includes a listing of uncategorized financial transactions and personal and business display regions, the personal uncategorized financial transaction display region being associated with a personal financial transaction category and a business uncategorized financial transaction display region being associated with a business financial transaction category. A user is provided the capability to categorize each of the uncategorized financial transactions by selecting an uncategorized financial transaction listed in the uncategorized financial transaction display and making a sweeping motion to either the personal or business display region of the uncategorized financial transaction display. Once a user makes a sweeping motion to either the personal or business display region, the user is provided sub-category options within the uncategorized financial transaction display and an indication of the tax ramifications of the selected categorization.

Abstract: A method and system adaptively improves potential customer conversion rates, revenue metrics, and/or other target metrics by providing effective user experience options to some users while concurrently testing user responses to other user experience options, according to one embodiment. The method and system selects the user experience options by applying user characteristics data to an analytics model, according to one embodiment. The method and system analyzes user responses to the user experience options to update the analytics model, and to dynamically adapt the personalization of the user experience options, according to one embodiment. The method and system dynamically and automatically defines, evaluates, and updates analytics models to provide progressively improving personalization of user experiences in a software system.

Abstract: Computerized methods, systems and computer program products for determining how an identity of a consumer can be verified during a transaction involving the consumer and a merchant. Embodiments access and analyze data of an account the consumer has with an online social network to derive a challenge question response options. The social-network based challenge question and response options are presented to the consumer, and the consumer's selection of certain response options is used to confirm that the consumer is the person named on a credit card or other payment instrument or that other identification or verification information should be requested by the merchant before completing the transaction.

Abstract: A computer-implemented method of detecting suspected financial fraudulent activity includes a computing device receiving financial data from a plurality of different financial service providers associated with a user. The computing device aggregates the received financial data for the user and analyzes the aggregated financial data for suspicious financial activity. The computing device alerts a user and at least one of the plurality of different service providers when suspicious financial activity is detected.