Abstract: A method including training a machine learning algorithm by iteratively adjusting, by a computer processor, adjusted matching parameters to increase a correlation between approval statistics of lending decisions and risk profiles. The risk profiles represent probabilities of businesses defaulting on a loan. The probabilities are derived from usage statistics of a business management application (BMA) used by the businesses. Iteratively adjusting continues until reaching a threshold correlation between the approval statistics and the lending decisions and the risk profiles. Training generates an updated machine learning algorithm. An updated risk score for a business entity is generated using a number of logins to the BMA made by the business entity.

Abstract: The method and system involves instant loan decisions by generating a risk profile of a small business (SMB). The risk profile is generated based on accounting data and other third party business management application (BMA) data of the SMB. In particular, the accounting data and other third party BMA data are retrieved from a BMA (e.g., accounting application, payroll application, tax preparation application, personnel application, etc.) as a software-as-an-service (SaaS) used by the SMB. Specifically, the risk profile represents the likelihood of the SMB to be delinquent and/or to default on a loan. The risk profile is then provided to a lender for making an expedient lending decision with respect to the SMB. In addition, statistics of lenders' lending decisions based on provided risk profiles are analyzed to generate a correlation. Accordingly, the algorithm(s) used to generate the risk profile from the accounting data and other third party BMA data are adjusted to maximize the correlation.

Abstract: A method for modeling risk of a derogatory financial event. The method includes generating a risk profile of a small business (SMB) using a risk model based on accounting data and other third party business management application (BMA) data of the SMB. In particular, the risk model is generated using a training data set that includes accounting data and other third party BMA data of multiple SMBs over particular time periods related to historic derogatory events (e.g., to be delinquent and/or to default on a loan) of these SMBs. Generated using the risk model, the risk profile of the SMB represents the likelihood of a derogatory financial event occurring to the SMB.

Abstract: A method for generating a business health score of a business entity that includes identifying tools used to manage the business entity, obtaining business information from the tools, filtering the business information into at least one data category to obtain categorized business information, populating the categorized business information into a data silo, and analyzing, by a computer processor, the categorized business information in the data silo to create a composite business factor. The method also includes applying an algorithm to the composite business factor to generate a result, generating, based on the result, the business health score of the business entity, and providing the business health score to an interested entity.

Abstract: A computing device of a user, including a processor, a memory, an electronic organization application comprising software instructions stored in memory and executed on the processor to store a plurality of activities associated with the user, and a rewind application configured to interact with the electronic organization application and including software instructions stored in memory and executed on the processor to present at least one question associated with each of the plurality of activities stored in the electronic organization application, receive a response to the at least one question, determine whether each of the plurality of activities is of a predetermined category based on the response received to obtain a subset of the plurality of activities, and store, in a repository, data associated with the subset of the plurality of activities for use in a financial application.

Abstract: A tax refund amount is determined or received at an intermediate computer operably connected to tax authority and user computers. The user computer and a tax preparation program are used to prepare an electronic tax return and determine the refund amount. Accounts that are available to receive a portion of the refund are identified and selected. A determination regarding how the refund can be allocated to selected accounts is made. The refund is transferred from the tax authority to the intermediate computer, and respective portions of the refund are transferred from the intermediate computer to respective selected accounts based at least in part upon a determined or selected allocation to increase the value of the refund, e.g., due to interest rates of selected accounts, compared to the refund value determined with the tax preparation program.

Abstract: In general, in one aspect, the invention relates to a method, system, and computer readable medium for interpreting discrepancy codes. The invention comprises obtaining, by an intermediary system, tax information associated with a taxpayer, wherein the tax information comprises an expected refund amount; obtaining an issued refund amount associated with the taxpayer; comparing the expected refund amount and the issued refund amount; determining, based on the comparing, a discrepancy amount; obtaining, in response to determining the discrepancy amount, a discrepancy code associated with the issued refund amount; retrieving, from a discrepancy code database, a discrepancy information record using the discrepancy code, wherein the discrepancy information record indicates a source of the discrepancy amount; generating a discrepancy explanation using the discrepancy information record, the discrepancy amount, and the tax information; and sending the generated discrepancy explanation to a client system.

Abstract: A portable computing device associated with a user for tracking mileage in a motor vehicle, including a processor, a memory, a global positioning satellite (GPS) module configured to determine a physical location of the portable computing device, a tracking application stored in the memory of the portable computing device, wherein the tracking application is configured to activate based on a movement of the portable computing device, determine whether a threshold speed is reached by the portable computing device, record a number of miles traveled by the portable computing device in the motor vehicle to obtain tracking data, and display the tracking data for reconciliation by the user, wherein the tracking application determines physical locations of the user using the GPS module, wherein reconciling data includes indicating which tracking data is business related, and wherein the recorded mileage is configured to be downloaded into a financial application.