Abstract: Systems and methods that may be used to allow married couples to prepare separate individual tax returns while also being able to evaluate the merits of filing a joint return in a manner that does not breach each spouse's financial privacy.

Abstract: Systems and methods may be used to generate and use a merchant community graph generated based on merchant financial transaction data. Connections between merchants and other data within the merchant community graph can be used to detect fraud, target product offerings and or other advertisements, detect similar communities, generate dynamic attributes that may be used to develop machine learning models, and develop new user interfaces (UIs) and other features of an information service.

Abstract: A method may include obtaining, over a network from a financial institution and using login credentials of a user, transactions corresponding to the user, calculating average transaction amounts for merchants based on the transactions, generating a spending propensity score for a category using a harmonic mean of amounts in a subset of the transactions corresponding to the category, generating, for the category, spending match scores between the spending propensity score and the average transaction amounts for the merchants, and recommending a merchant to the user using the spending match scores.

Abstract: This disclosure relates to systems and methods for identifying fraudulent email addresses associated with an electronic payment service. In some implementations, a computing device receives an email with a prefix having a number of characters and characterized by a prefix length indicative of the number of characters in the prefix. The computing device identifies each of a number of bigrams is identified within the prefix, and determines a row and column distance for each bigram between two consecutive characters of the bigram as positioned on a keyboard. The computing device calculates a Euclidean distance between the two consecutive characters of the bigram based on the row and column distances, and determines a normalized distance based on the prefix length and an average of the Euclidean distances calculated for the number of bigrams in the prefix. The normalized distance is compared with a value to classify the email as suspicious or as not suspicious.

Abstract: A method may be used to predict a business' category by analyzing the business' vendors. A neural network architecture may be trained via supervised learning to predict categories for businesses based on listed vendors. The neural network may be used to classify uncategorized businesses within an accounting software database. A list of factors associated with a business' success may be generated by analyzing, aggregating and ranking factors determined to be relevant to a business based on its categorization. The factors associated with the business' success may be related to the products and/or services offered by the business and the format of which those products and/or services are offered by the business. The factors may also be related to the products and/or services purchased by the business from a vendor and the format of which those products and/or services are purchased from the vendor.

Abstract: A method of training machine learning models (MLMs). An issue vector is generated using an issue MLM to generate a first output including first embedded natural language issue statements. An action vector is generated using an action MLM to generate a second output including related embedded natural language action statements. The issue and action MLMs are of a same type. An inner product of the first and second output is calculated, forming a third output. The third output is processed according to a sigmoid gate process to predict whether a given issue statement and corresponding action statement relate to a same call, resulting in a fourth output. A loss function is calculated from the fourth output by comparing the fourth output to a known result. The issue MLM and the action MLM are modified using the loss function to obtain a trained issue MLM and a trained action MLM.

Abstract: Certain aspects of the present disclosure provide techniques for detecting errors in account numbers. One example method generally includes receiving, from a user device, an entered number associated with a user and determining, based on a first portion of the entered number, an entity associated with the entered number. The method further includes obtaining, from an account number database, a plurality of account numbers associated with the entity and generating, from the plurality of account numbers, an account number matrix. The method further includes attempting to solve a multiplication equation of the account number matrix, wherein a solution of the multiplication equation is a vector of constants, upon determining a solution to the multiplication equation, determining whether the entered vector is a valid number for the entity and upon determining the entered vector is a valid number for the entity, storing the entered number in the account number database.

Abstract: A computer-implemented method and system are provided to utilize machine learning technology to process user financial transaction data to predict a personalized payment screen architecture. A plurality of feature datasets associated with transaction data of a plurality of electronic invoices are obtained by a computing device. Each feature dataset comprises a plurality of features, a payment screen and a payment method configured to be presented on at least one payment screen. The computing device is configured to train a machine learning model with the feature datasets to produce a probability matrix with probabilities of each payment method used to pay the invoices through each payment screen. The computing device may weigh the probability matrix to generate a recommendation matrix and determine a prediction of a payment screen based on the recommendation matrix.

Abstract: Certain aspects of the present disclosure provide techniques for adaptively reducing the bit size of features in a training data set used to train a machine learning model. An example method generally includes receiving a data set to be used in training a machine learning model and a definition of the machine learning model to be trained. A reduced number of bits to represent features in the data set is determined based on values of each feature in the data set and the definition of the machine learning model. A reduced bit-size data set is generated by reducing a bit size of each feature in the data set according to the reduced number of bits, and the reduced bit-size data set is encrypted using a homomorphic encryption scheme. A machine learning model is trained based on the encrypted reduced bit-size data set.

Abstract: Automatic keyphrase labeling and machine learning training may include a processor extracting a plurality of keywords from at least one search query that resulted in a selection of a document appearing in a search result. For each of the plurality of keywords, the processor may determine a probability that the keyword describes the document. The processor may generate one or more keyphrases by performing processing including selecting each of the plurality of keywords having a probability greater than a predetermined threshold value for insertion into at least one of the one or more keyphrases and assembling the one or more keyphrases from the selected plurality of keywords. The processor may label the document with the keyphrase.

Abstract: A method for improving a transcription may include identifying, in the transcription, reliable channel tokens of an utterance of a reliable channel and an unreliable channel token of an utterance of an unreliable channel, and generating, using a machine learning model, a vector embedding for the unreliable channel token and vector embeddings for the reliable channel tokens. The method may further include calculating vector distances between the vector embedding and the vector embeddings, and generating, for the unreliable channel token and using the vector distances, a score corresponding to a reliable channel token. The method may further include determining that the score is within a threshold score, and in response to determining that the score is within the threshold score, replacing, in the transcription, the unreliable channel token with the reliable channel token.

Abstract: Systems and methods that may be used to automatically generate inventory templates for use with an accounting platform. The automatically generated templates may be for a first user within a particular industry and may be based on established inventory trees of other system users within the same industry that have similar demographics of the first user.

Abstract: Systems and methods that implement a paired-consistency-based process for evaluating and or regulating fairness in machine learning models.

Abstract: Aspects of the present disclosure provide techniques for database documentation propagation. Embodiments include scanning a log comprising a plurality of database queries to identify one or more database queries of the plurality of database queries, the one or more database queries being associated with generating a new table of a database based on information in an existing table of the database. Embodiments include generating, based on the one or more database queries identified during the scanning, a directed acyclic graph (DAG) comprising: a first vertex representing the existing table; a second vertex representing the new table; and a directed edge connecting the first vertex to the second vertex. Embodiments include obtaining documentation associated with the existing table. Embodiments include propagating, based on the DAG, at least a subset of the documentation associated with the existing table to the new table.

Abstract: The business segment associated with a merchant is automatically and accurately determined by applying machine learning techniques to actual financial documents associated with a merchant. In some examples, once the business segment associated with a merchant user of a data management system is identified, this information is used to identify potentially fraudulent and/or other criminal activity such as fraudulent merchants, criminal financial transactions, and fraudulent invoices.

Abstract: Systems and methods that may be used to generate and use a social graph generated by user financial transaction data (i.e., a financial transaction-based social graph). Connections and other data within the financial transaction-based social graph can be used for targeted product offerings, other offerings, and or advertisements via e.g., collaborative filtering and user segmentation and profiling.

Abstract: Systems and methods that may be used to generate and use a social graph generated by user financial transaction data (i.e., a financial transaction-based social graph). Connections and other data within the financial transaction-based social graph can be used for targeted product offerings, other offerings, and or advertisements via e.g., collaborative filtering and user segmentation and profiling.

Abstract: Certain aspects of the present disclosure provide techniques for detecting errors in account numbers. One example method generally includes receiving, from a user device, an entered number associated with a user and determining, based on a first portion of the entered number, an entity associated with the entered number. The method further includes obtaining, from an account number database, a plurality of account numbers associated with the entity and generating, from the plurality of account numbers, an account number matrix. The method further includes attempting to solve a multiplication equation of the account number matrix, wherein a solution of the multiplication equation is a vector of constants, upon determining a solution to the multiplication equation, determining whether the entered vector is a valid number for the entity and upon determining the entered vector is a valid number for the entity, storing the entered number in the account number database.

Abstract: Transactions include text fields, such as description fields. Transactions are extracted from financial institutions using web-scraping extraction. In the process of extracting transactions, errors can be introduced into text fields, such as the inclusion of a space within a word or the removal of a space between words. A statistical approach is applied to the text fields. When two alternative text fields are presented, the alternative that statistically includes more common tokens, such as unigrams and bigrams, is chosen as the correct alternative. The incorrect alternative is replaced by the correct alternative in the text field.

Abstract: A method including establishing, using electronic transactions of a user, a geo-temporal trajectory of the user. The method also includes forming a first data structure by sub-dividing the geo-temporal trajectory into segments including subsets of the electronic transactions along the geo-temporal trajectory. Sub-dividing is performed with respect to a selected feature. The method also includes gathering, for a subset of the segments, a corresponding labeled dataset of transactions within the electronic transactions to generate a second data structure. The method also includes applying, as input, the second data structure to a machine learning classifier. The method also includes receiving, from the machine learning classifier, an assignment of disambiguated labels to the electronic transactions. The method also includes storing, automatically in a financial management application, the disambiguated labels as assigned to the electronic transactions.