Computer-implemented methods, systems and articles of manufacture for tax topic prediction utilizing prior tax returns

• US 10,685,407 B1
• Filed: 04/30/2015
• Issued: 06/16/2020
• Est. Priority Date: 04/30/2015
• Status: Active Grant

• Current Assignee: Intuit, Inc.
• Original Assignee: Intuit, Inc.
• Inventors: Cabrera, Luis F., Wang, Gang, McCluskey, Kevin M., Ryan, Kyle J.
• Primary Examiner(s): Bridges, Christopher
• Application Number:
  US14/700,981
• Time in Patent Office: 1,874 Days
• Field of Search: None
• CPC Class Codes: G06Q 40/123 Tax preparation or submission

Abstract

Computer-implemented methods, systems and articles of manufacture for determining which questions to present to a user of a modular tax preparation application in which analysis of tax logic by the tax logic agent is separate from interview screens generated by the user interface controller. A topic engine of the modular tax preparation application is configured or programmed to predict which tax topics are applicable to the current electronic tax return based at least in part upon a data of a prior year tax return. Other sources besides the current tax return being prepared and the prior year tax return may also be utilized for topic determination. The tax logic agent generates a non-binding suggestion for the user interface controller based at least in part upon an output generated by the topic engine.

Claims

1. A computer-implemented method, comprising:

a computing system, by a processor executing computer-executable instructions of a user interface controller of a computerized tax return preparation application stored in a non-transitory storage medium utilized by the computing system, presenting a first computer-generated interview screen through a display of the computing system, receiving a first user response through the first computer-generated interview screen, and writing the first user response to a shared data store to update first data of the current electronic tax return being prepared and currently stored in the shared data store and to generate second data of the current electronic tax return and;

the computing system, by the processor executing computer-readable instructions of a calculation engine of the computerized tax return preparation application that is in communication with the shared data store, reading the second data of the current electronic tax return from the shared data store as updated by the user interface controller, executing rules of a graphical data structure a first time using the second data, and writing a result of executing the rules of the graphical data structure the first time to the shared data store to update the second data of the current electronic tax return and generate third data of the current electronic tax return;

the computing system, by the processor executing computer-readable instructions of a logic agent of the computerized tax return that is in communication with the user interface controller and the shared data store, reading the third data of the current electronic tax return from the shared data store, eliminating potential candidate questions from a completion graph structure using the third data, and identifying candidate questions to present to the user from the completion graph structure, wherein logic utilized by the logic agent to identify candidate questions is independent of and not programmed within computer-generated interview screens of the user interface controller of the computerized tax return preparation application;

the computing system, by the processor executing computer-readable instructions of a topic engine of or utilized by the logic agent and in communication with a first electronic source and a second electronic source different from the first source, receiving electronic data of a prior year tax return from the first electronic source, receiving electronic data of the second source different from the prior year tax return, and generating an output comprising a predicted topic that was not addressed in the prior year tax return and applicable to the current electronic tax return based at least in part upon respective electronic data received from the first source and the second source and the third data of the current electronic tax return;

the computing system, by the logic agent, receiving the topic engine output and generating a first non-binding suggestion based at least in part upon the topic engine output and outputting the non-binding suggestion to the user interface controller, wherein the first non-binding suggestion generated based at least in part upon the topic engine output identifies a topic that was not addressed in the prior year tax return; and

the computing system, by the user interface controller, receiving the first non-binding suggestion from the logic agent, executing at least one configuration file to determine processing of the first non-binding suggestion, presenting a second computer-generated interview screen through the display, receiving a second user response through the second computer-generated interview screen, and writing the second user response to the shared data store to update the third data of the current electronic tax return and generate fourth data of the current electronic tax return;

the computing system, by the processor executing the calculation engine, reading the fourth data of the current electronic tax return from the shared data store as updated by the user interface controller, executing the rules of the graphical data structure a second time using the fourth data, and writing a result of executing the rules of the graphical data structure the second time to update the fourth data of the current electronic tax return and generate fifth data of the current electronic tax return.

2. The computer-implemented method of claim 1, the first electronic source comprising a computing device of a preparer of the current tax return for the taxpayer, an electronic copy of the prior year tax return being locally stored on the computing device.

3. The computer-implemented method of claim 1, the first electronic source comprising a computer of a tax authority with which the prior year tax return was filed.

4. The computer-implemented method of claim 1, the first electronic source comprising a computerized tax return preparation application utilized to prepare the prior year tax return.

5. The computer-implemented method of claim 4, further comprising the topic engine:

requesting credentials to access a computerized tax return preparation application utilized to prepare the prior year tax return;

receiving the credentials from a user of the computerized tax return preparation application;

accessing the computerized tax return preparation application utilizing the credentials; and

retrieving the prior year tax return that was prepared utilizing the computerized tax return preparation application.

6. The computer-implemented method of claim 1, the second electronic source comprising an electronic source of statistical data, the topic engine identifying topics addressed in the prior year tax return, and

identifying additional possible topics that were not included in the prior year tax return based at least in part upon statistical data associated with one or more identified topics of the prior year tax return.

7. The computer-implemented method of claim 1, the second electronic source comprising a computer-executable predictive model, the topic engine identifying topics addressed in the prior year tax return, and

identifying additional possible topics that were not addressed in the prior year electronic tax return based at least in part upon the an output generated by the computer-executable predictive model associated with one or more identified topics of the prior year tax return.

8. The computer-implemented method of claim 7, the computer-executable predictive model being selected from the group consisting of logistic regression, naive bayes, K-means clustering, clustering, k-nearest neighbor, and neural networks.

9. The computer-implemented method of claim 1, the logic agent generating at least one non-binding suggestion based at least in part upon analysis of the logic relative to the runtime data but not the topic engine output.

10. The computer implemented method of claim 1, the logic agent analyzing the logic relative to the runtime data and generating a non-binding suggestion based at least in part upon analysis of the logic relative to the runtime data.

11. The computer-implemented method of claim 10, the nonbinding suggestion being based on the topic engine output and analysis of the logic.

12. The computer-implemented method of claim 1, the nonbinding suggestion being based at least in part upon the topic engine output comprising multiple tax topics.

13. The computer-implemented method of claim 1, the logic agent

generating a first non-binding suggestion based at least in part upon a first topic of the topic engine output;

and

generating a second non-binding suggestion based at least in part upon a second topic of the topic engine output.

14. The computer-implemented method of claim 1, the nonbinding suggestion being generated based at least in part upon the topic engine output identifying a tax form that was not part of the prior year tax return.

15. The computer-implemented method of claim 1, the nonbinding suggestion being generated based at least in part upon the topic engine output indicating a taxpayer life event that was not part of the prior year tax return.

16. The computer-implemented method of claim 15, the second electronic source comprising an account the taxpayer has with a financial institution, the topic engine analyzing electronic transaction data of the account and identify the taxpayer life event.

17. The computer-implemented method of claim 15, the second electronic source comprising an account the taxpayer has with a computerized financial management system that receives data of respective electronic accounts the taxpayer has with respective financial institutions through respective networks, the topic engine analyzing electronic transaction data of the electronic account and identifying the taxpayer life event.

18. The computer-implemented method of claim 15, the second electronic source comprising a source of statistical data, the topic engine identifying the taxpayer life event based at least in part upon data of the prior year tax return and statistical data of other taxpayers.

19. The computer-implemented method of claim 15, the second electronic source comprising a predictive model, the topic engine identifying the taxpayer life event based at least in part upon a computer-executable predictive model receiving inputs comprising pre-determined types of data of the prior year tax return, the computer-executable predictive model output identifying the life event.

20. The computer-implemented method of claim 15, the life event being selected from the group consisting of:

a change of marital status, a change of a number of dependents, and purchase of a residence.

21. The computer-implemented method of claim 15, a tax topic identified by the topic engine output involving birth of a child, wherein the prior year tax return indicated that the taxpayer had no children.

22. The computer-implemented method of claim 21, wherein the tax topic identified by the topic engine is based at least in part upon the prior year tax return being a joint tax return indicating that a first taxpayer and a second taxpayer were married.

23. The computer-implemented of claim 15, a tax topic identified by the topic engine involving deductions for at least one of mortgage interest, points and property taxes associated with owning or purchasing of a property, wherein the prior year tax return was a joint tax return and indicated no property ownership.

24. The computer-implemented method of claim 23, wherein the tax topic identified by the topic engine is based at least in part upon the prior year tax return including deductions for a child.

25. The computer-implemented method of claim 1, wherein the prior year tax return was filed with a tax authority.

26. The computer-implemented method of claim 1, wherein the prior year tax return was not filed with a tax authority.

27. The computer-implemented method of claim 1, wherein the prior year tax return is incomplete.

28. The computer-implemented method of claim 1, the topic engine

receiving a first prior year tax return and a second prior year tax return, and identifying a topic that was addressed in the second prior year tax return but not addressed in the first prior tax return,

the non-binding suggestion being based at least in part upon the identified topic addressed in the second prior year tax return.

29. The computer-implemented method of claim 1, the user interface controller determining whether and when to process the non-binding suggestion provided by the logic agent based on execution of the configuration file.

30. The computer-implemented method of claim 1, the user interface controller, determining whether to process the non-binding suggestion based on execution of the configuration file.

31. The computer-implemented method of claim 1, further comprising the calculation engine populating the graphical data structure comprising a directed calculation graph with the second data.

32. The computer-implemented method of claim 31, the directed calculation graph comprising a plurality of nodes comprising:

input or leaf nodes comprising data for specific tax-related items, wherein the input or leaf nodes are populated with respective second data read from the shared data store;

function nodes associated with respective functions, wherein respective input nodes are associated with respective function nodes, and inputs to a function include data of respective associated input nodes; and

result nodes associated with respective functions nodes, a result node comprising an output generated by function associated with a function node.

33. The computer-implemented method of claim 1, wherein the topic engine is also a component of or utilized by the user interface controller and shared by the logic agent and the user interface controller.

34. The computer-implemented method of claim 33, the user interface controller storing data of the prior year tax return of the first source to the shared data store with associated first source tags, and storing data of the second source to the shared data store with associated second source tags, wherein when the logic agent reads runtime data from the shared data store, and identifies tagged data and generates a non-binding suggestion based at least in part upon tagged data.

35. The computer-implemented method of claim 1, wherein the topic engine is a component of the tax logic agent.

36. The computer-implemented method of claim 1, the first electronic source comprising a computing device of the user, an electronic copy of the prior year tax return being locally stored on the computing device.

37. The computer-implemented method of claim 1, wherein the computer-implemented method is executed utilizing the computing system comprising a distributed computing system of modular computing system components, and wherein the shared data store, the user interface controller, the calculation engine, the logic agent and the topic engine are modular computing components executed by respective computers of the distributed computing system and in communication with each other through respective communication networks.