System and method for online bill payment

• US 10,453,043 B2
• Filed: 06/25/2008
• Issued: 10/22/2019
• Est. Priority Date: 06/25/2008
• Status: Active Grant

• Current Assignee: Thomson Reuters Enterprise Centre GmbH (The Woodbridge Co. Ltd.)
• Original Assignee: Thomson Reuters Global Resources Unlimited Company (The Woodbridge Co. Ltd.)
• Inventors: Swierz, III, N. Frank, Vroom, Brian D., Baron, Jonathan A.
• Primary Examiner(s): Glass, Russell S
• Application Number:
  US12/215,198
• Publication Number:
  US 20090327108A1
• Time in Patent Office: 4,136 Days
• Field of Search: 705 30, 705 31
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 20/207 Tax processing
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/12 Accounting
• CPC Class Codes: G06Q 40/123 Tax preparation or submission

Abstract

The present invention provides an accounting software application and related system and method for generating and presenting unfileable tax documents to clients for review and upon approval and payment converting the unfileable tax document into a final, fileable document for filing with a tax entity by either the service provider or the client. Watermarks, obscuring text, and other techniques may be employed to render draft tax documents unfileable so as to promote payment of services when presenting work product, such as tax returns, electronically to clients and confirming payment by the client prior to presenting or making accessible a fileable version of the document.

Claims

1. A web-based accounting software application adapted to be used by a tax service provider for automatically transacting delivery of fileable tax documents in exchange for payment for services, the software application being associated with a computer-based system operated by the tax service provider comprising:

means for automatically generating, by a tax service provider a preliminary tax document in a first format, the first format incorporating an element adapted to deter filing the preliminary tax document with a tax authority and otherwise being substantially in a fileable format;

means for presenting, by the tax service provider, the preliminary tax document to a user via web-based communication;

means for the tax service provider receiving an approval message, the approval message from the user indicating that the preliminary tax document is approved;

means for automatically generating, by the tax service provider, an invoice related to the preliminary tax document in response to the received approval message;

means for automatically notifying, by the tax service provider, the user of the invoice for payment, the notifying means automatically generating an email to an address associated with the user, wherein the email comprises one or more of an invoice document, an embedded link to access an invoice document, and an embedded link to a web page to facilitate payment;

means for determining, by the tax service provider, payment has been made by receipt of an electronic communication from a payment processing entity and automatically storing in a transaction record payment confirmation data related to the payment; and

means for automatically generating, by the tax service provider, a final version of the preliminary tax document in response to determining payment has been made, wherein the final version of the preliminary tax document is the preliminary tax document in a second format excluding the element included in the first format, the element having been automatically removed in response to determining payment has been made, and being in a condition for filing with a tax authority.

2. The web-based accounting software application of claim 1, wherein the preliminary tax document is a draft tax return that is posted in an unfileable form to a web portal for review by a user, and wherein upon receiving the approval message and the indication of payment, the software application generates and posts to the web portal the final tax document as a fileable tax return accessible by the user.

3. The web-based accounting software application of claim 1, wherein the final tax document is a final tax return and is intended for filing with one or more of a federal taxing entity and a state taxing entity.

4. The web-based accounting software application of claim 3, wherein the tax service provider electronically files the final tax return on behalf of a taxpayer.

5. The web-based accounting software application of claim 1 further comprising:

means for receiving a set of tax related information;

means for generating the preliminary tax document based upon the set of tax related information; and

means for transmitting a notification that the preliminary tax document is ready for review.

6. The web-based accounting software application of claim 1 further comprising:

means for ensuring a payment for tax preparation services has been received;

means for transmitting a notification that the final tax document is available; and

means for permitting selective access to the final tax document.

7. The web-based accounting software application of claim 6, wherein the means for permitting selective access is responsive to information representing user identity, including one or more of the following:

user name;

social security number;

password;

previously assigned user identification number;

birth date;

address; and

response to prompt.

8. The web-based accounting software application of claim 1, wherein the preliminary tax document is presented to the user in an unfileable form.

9. The web-based accounting software application of claim 8, wherein the unfileable form includes one or more of the following:

a watermark;

a print defeat feature;

obscured text.

10. The web-based accounting software application of claim 1, wherein the indication of payment is received from a third party and indicates receipt of payment from the user.

28. The web-based accounting software application of claim 1, wherein the preliminary tax document is electronically stored locally in the computer-based system operated by the tax service provider, and wherein the user is provided access to a read-only version of the preliminary tax document through a web portal generated by the web-based accounting software application.

11. A method for automatically delivering accounting related services in exchange for payment for such services using a web-based accounting software application, the method comprising:

automatically generating, by a computer associated with a tax service provider, a preliminary tax document associated with a user and being in a first format and based at least in part on tax data related to the user, the first format incorporating an element adapted to deter filing the preliminary tax document with a tax authority and otherwise being substantially in a fileable format;

presenting, by the computer associated with the tax service provider, the preliminary tax document to the user associated with the preliminary tax document via web-based communication;

receiving, by the computer associated with the tax service provider, an approval message, the approval message from the user indicating that the preliminary tax document is approved;

automatically generating, by the computer associated with the tax service provider, an invoice related to the preliminary tax document in response to the received approval message;

automatically notifying, by the computer associated with the tax service provider, the user of the invoice for payment, the automatically notifying including automatically generating an email to an address associated with the user, wherein the email comprises one or more of an invoice document, an embedded link to access an invoice document, and an embedded link to a web page to facilitate payment;

determining, by the computer associated with the tax service provider, payment has been made based on receipt of an electronic communication from a payment processing entity and automatically storing in a transaction record payment confirmation data related to the payment; and

automatically generating, by the computer associated with the tax service provider, a final version of the preliminary tax document in response to determining payment has been made, wherein the final version of the preliminary tax document is the preliminary tax document in a second format excluding the element included in the first format, the element having been automatically removed in response to determining payment has been made, and being in a condition for filing with a tax authority.

12. The method of claim 11, wherein the preliminary tax document is a draft tax return and further comprising posting the draft tax return in an unfileable form to a web portal for review by the associated user, and upon receiving the approval message and the indication of payment, generating and posting to the web portal the final tax document as a fileable tax return accessible by the user.

13. The method of claim 11, wherein the final tax document is a final tax return and further comprising filing the final tax return with one or more of a federal taxing entity and a state taxing entity.

14. The method of claim 13 further comprising electronically filing by the tax service provider the final tax return on behalf of a taxpayer.

15. The method of claim 11 further comprising:

receiving a set of tax related information;

generating the preliminary tax document based upon the set of tax related information; and

transmitting a notification that the preliminary tax document is ready for review.

16. The method of claim 11 further comprising:

ensuring a payment for tax preparation services has been received;

transmitting a notification that the final tax document is available; and

permitting selective access to the final tax document.

17. The method of claim 11, wherein the preliminary tax document is presented to the user in an unfileable form.

18. The method of claim 17, wherein the unfileable form includes one or more of the following:

a watermark;

a print defeat feature;

obscured text.

19. The method of claim 11, wherein the indication of payment is received from a third party and indicates receipt of payment from the user.

20. A computer-based system operated by a tax service provider for providing tax return preparation services to clients over a network, the system comprising:

a central computer used by a tax service provider and adapted to execute an accounting software application adapted to process client tax data and generate and present fileable tax documents in exchange for payment, the central computer being further adapted to electronically communicate over a communications network with a plurality of client computers and to receive client tax data;

wherein the accounting software application comprises;

computer executable code adapted to automatically generate by the tax service provider a preliminary tax document in a first format and based at least in part on the client tax data, the first format incorporating an element adapted to deter filing the preliminary tax document with a tax authority and otherwise being substantially in a fileable format;

computer executable code adapted to deliver, by the tax service provider, the preliminary tax document to a client computer for review by a user of the client computer;

computer executable code adapted to receive at the central computer an approval message from the client computer, the approval message indicating that the preliminary tax document is approved;

computer executable code adapted to automatically generate, by the tax service provider, an invoice related to the preliminary tax document in response to the received approval message;

computer executable code adapted to automatically notify, by the tax service provider, the user of the invoice for payment, the computer executable code further adapted to automatically generate an email to an address associated with the user, wherein the email comprises one or more of an invoice document, an embedded link to access an invoice document, and an embedded link to a web page to facilitate payment;

computer executable code adapted to determine at the central computer payment has been made based on receipt of an electronic communication from a payment processing entity and automatically store in a transaction record payment confirmation data related to the payment; and

computer executable code adapted to automatically generate, by the tax service provider, a final version of the preliminary tax document in response to determining payment has been made, the final version of the preliminary tax document being the preliminary tax document in a second format and based at least in part upon client tax data, the second format excluding the element included in the first format, the element having been automatically removed in response to determining payment has been made, and being in a condition for filing with a tax authority.

21. The system of claim 20, wherein the final tax document is a final tax return and is intended for filing with one or more of a federal taxing entity and a state taxing entity.

22. The system of claim 21, wherein the tax service provider electronically files the final tax return on behalf of a taxpayer.

23. An accounting software application embodied in non-transitory computer-readable media and for processing client tax data by a tax service provider and generating and automatically presenting fileable tax documents in exchange for payment, the application comprising:

code adapted to automatically generate, by a computer associated with a tax service provider, a preliminary tax document in a first format and based at least in part on client tax data, the first format incorporating an element adapted to deter filing the preliminary tax document with a tax authority and otherwise being substantially in a fileable format;

code adapted to present, by the computer associated with the tax service provider, the preliminary tax document for review by a client;

code adapted to receive, by the computer associated with the tax service provider, an approval message from the client indicating that the preliminary tax document is approved;

code adapted to automatically generate, by the computer associated with the tax service provider, an invoice related to the preliminary tax document in response to the received approval message;

code adapted to automatically notify, by the computer associated with the tax service provider, the client of the invoice for payment, the code further adapted to automatically generate an email to an address associated with the client, wherein the email comprises one or more of an invoice document, an embedded link to access an invoice document, and an embedded link to a web page to facilitate payment;

code adapted to determine, by the computer associated with the tax service provider, payment has been made based on receipt of an electronic communication from a payment processing entity and automatically store in a transaction record payment confirmation data related to the payment; and

code adapted to automatically generate, by the computer associated with the tax service provider, a final version of the preliminary tax document in response to determining payment has been made, the final version of the preliminary tax document being the preliminary tax document in a second format and based at least in part upon client tax data, the second format excluding the element included in the first format, the element having been automatically removed in response to determining payment has been made, and being in a condition for filing with a tax authority.

24. An integrated online tax document review, service payment and tax return submission system being operated by a tax service provider and comprising:

a server associated with a tax service provider connected to a network for transmitting and receiving client data, respectively, to and from client computer-based systems;

a web-based accounting software application running on the server;

means for automatically generating, by the server associated with the tax service provider, a preliminary tax document in a first format being substantially in a fileable format, and including means for automatically generating an element incorporated in the preliminary tax document and adapted to deter filing the preliminary tax document with a tax authority;

means for transmitting, by the server associated with the tax service provider, the preliminary tax document incorporating the element for delivery to a recipient client computer-based system associated with a client via web-based communication;

means for receiving, by the server associated with the tax service provider, an approval message from the client, the approval message indicating that the preliminary tax document is approved for filing;

means for automatically generating, by the server associated with the tax service provider, an invoice related to the preliminary tax document in response to the received approval message;

means for automatically generating, by the server associated with the tax service provider, a notification for the invoice for payment by automatically generating an email to an address associated with the client, wherein the email comprises one or more of an invoice document, an embedded link to access an invoice document, and an embedded link to a web page to facilitate payment;

means for determining, by the server associated with the tax service provider, payment has been made based on receipt of an electronic communication associated with the service of preparing a tax return from a payment processing entity and automatically storing in a transaction record payment confirmation data related to the payment;

means for automatically generating, by the server associated with the tax service provider, a final version of the preliminary tax document in response to determining payment has been made, wherein the final version of the preliminary tax document is the preliminary tax document in a second format excluding the element included in the first format, the element having been automatically removed by the server in response to determining payment has been made, and being in a condition for filing with a tax authority; and

means for transmitting, by the server associated with the tax service provider, the final tax document for delivery to a tax authority.

25. The system of claim 24 further comprising a secure service provider Internet-based portal from which a client accesses the server using a secure sign-on process.

26. The system of claim 25, wherein the server is provided by a professional resources entity having a relationship with the service provider and wherein the server presents a user interface including indicia of the service provider, the client being a client of the service provider.

27. The system of claim 26, wherein the server is adapted to establish an electrical communication with a server operated by a tax authority to effect filing of the final tax document and is adapted to receive a confirmation of the filing of the final tax document.