COMPUTER PROGRAM, METHOD, AND SYSTEM FOR DETECTING FRAUDULENTLY FILED TAX RETURNS

• US 20160063644A1
• Filed: 04/21/2015
• Published: 03/03/2016
• Est. Priority Date: 08/29/2014
• Status: Active Application

• Current Assignee: HRB Innovations Incorporated (H&R Block, Inc.)
• Original Assignee: HRB Innovations Incorporated (H&R Block, Inc.)
• Inventors: Ciaramitaro, Mark, Houseworth, Jason
• Application Number:
  US14/692,062
• Publication Number:
  US 20160063644A1
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 40/123 Tax preparation or submission
• CPC Class Codes: G06Q 50/265 Personal security, identity or safety

Abstract

Embodiments of the invention detect fraudulently filed tax returns when a subject taxpayer submits a subject tax return for filing with a taxing authority. Embodiments analyze tax information associated with the subject tax return and compare the information against tax information of previously filed tax returns for a plurality of taxpayers. These embodiments search for confidence indicators among the tax returns indicative or suggestive of at least one fraudulent tax return. These confidence indicators are then analyzed to determine if the subject tax return for the subject taxpayer, any of the previously filed tax returns, or some combination thereof, is a fraudulent tax return.

Claims

1. A non-transitory computer-readable storage medium having a computer program stored thereon for detecting a fraudulently filed tax return, wherein the computer program instructs at least one processing element to perform the following steps:

receiving tax information associated with a subject tax return for a subject taxpayer;

accessing a filed return data store comprising tax information associated with a plurality of previously filed tax returns for a respective plurality of taxpayers,

wherein each of the plurality of previously filed tax returns is associated with a tax period that is the same as a tax period associated with the subject tax return for the subject taxpayer;

comparing the received tax information associated with the subject tax return for the subject taxpayer with said accessed tax information from the filed return data store; and

identifying, based on said comparison, at least one confidence indicator for the subject tax return,

wherein said at least one confidence indicator is indicative of a whether the subject tax return is genuine.

2. The computer-readable storage medium of claim 1, wherein the computer program instructs the at least one processing element to perform the step of notifying the subject taxpayer of the fraudulent tax return upon a determination that the subject tax return is likely fraudulent.

3. The computer-readable storage medium of claim 1, wherein said at least one confidence indicator comprises a common set of taxpayer identification information between a set of subject taxpayer identification information for the subject tax return and a set of filed taxpayer identification information associated with the plurality of previously filed tax returns.

4. The computer-readable storage medium of claim 3, wherein the computer program instructs the at least one processing element to perform the following steps:

accessing a repository of high-risk data that includes information indicative of a plurality of taxpayers whose identification information has been compromised; and

determining a risk level associated with the subject taxpayer by comparing the subject taxpayer identification information to the accessed information from the repository of high-risk data.

5. The computer-readable storage medium of claim 4, wherein the computer program further instructs the at least one processing element to perform the steps of:

requesting, from the subject taxpayer, authentication information associated with the subject taxpayer to authenticate the subject taxpayer;

receiving, from the subject taxpayer, said authentication information; and

comparing the received authentication information with a pre-stored known authentication information associated with the subject taxpayer to authenticate the subject tax return as properly associated with the subject taxpayer.

6. The computer-readable storage medium of claim 5,

wherein the received tax information associated with the subject tax return for the subject taxpayer comprises subject taxpayer identification information that identifies the subject taxpayer,

wherein the accessed tax information associated with the plurality of previously filed tax returns for the respective plurality of taxpayers is filed taxpayer identification information that identifies each of the respective plurality of taxpayers.

7. The computer-readable storage medium of claim 1, wherein the computer program further instructs the at least one processing element to perform the following steps:

accessing a previously filed tax return associated with the subject taxpayer for at least one previous tax period;

comparing said received tax information associated with the subject tax return for the subject taxpayer with said at least one accessed previously filed tax return for the subject taxpayer for the at least one previous tax period; and

identifying, based on said comparison, said at least one confidence indicator between the subject tax return and said at least one accessed previously filed tax return for the subject taxpayer for at least one previous tax period.

8. The computer-readable storage medium of claim 7, wherein said at least one confidence indicator is a change in a bank deposit account from the previously filed tax return to the subject tax return.

9. A computerized method for detecting fraudulently filed tax returns, the method comprising the following steps:

receiving tax information associated with a subject tax return for a subject taxpayer;

accessing a filed return data store comprising tax information associated with a plurality of previously filed tax returns for a respective plurality of taxpayers,

wherein the each of the plurality of previously filed tax returns is associated with a tax period that is the same as a tax period associated with the subject tax return for the subject taxpayer;

comparing the received tax information associated with the subject tax return for the subject taxpayer with said accessed tax information from the filed return data store; and

identifying, based on said comparison, at least one confidence indicator for the subject tax return,

wherein said at least one confidence indicator is indicative of a fraudulent tax return for the subject taxpayer.

10. The computerized method of claim 9, wherein the computer program instructs the at least one processing element to perform the step of notifying the subject taxpayer of the fraudulent tax return.

11. The computerized method of claim 9, wherein said at least one confidence indicator comprises a common set of taxpayer identification information between a set of subject taxpayer identification information for the subject tax return and a set of filed taxpayer identification information associated the plurality of previously filed tax returns.

12. The computerized method of claim 11, wherein the computer program instructs the at least one processing element to perform the following steps:

accessing a repository of high-risk data that includes information indicative of a plurality of taxpayers whose identification information has been compromised; and

determining a risk level associated with the subject taxpayer by comparing the subject taxpayer identification information to the accessed information from the repository of high-risk data.

13. The computerized method of claim 12, wherein the computer program further instructs the at least one processing element to perform the steps of:

requesting, from the subject taxpayer, authentication information associated with the subject taxpayer to authenticate the subject taxpayer;

receiving, from the subject taxpayer, said authentication information; and

comparing the received authentication information with a pre-stored known authentication information associated with the subject taxpayer to authenticate the subject tax return as properly associated with the subject taxpayer.

14. The computerized method of claim 13,

wherein the received tax information associated with the subject tax return for the subject taxpayer comprises subject taxpayer identification information that identifies the subject taxpayer,

wherein the accessed tax information associated with the plurality of previously filed tax returns for the respective plurality of taxpayers is filed taxpayer identification information that identifies each of the respective plurality of taxpayers.

15. The computerized method of claim 9, wherein the computer program further instructs the at least one processing element to perform the following steps:

accessing a previously filed tax return associated with the subject taxpayer for at least one previous tax period;

comparing said received tax information associated with the subject tax return for the subject taxpayer with said at least one accessed previously filed tax return for the subject taxpayer for the at least one previous tax period; and

identifying, based on said comparison, said at least one confidence indicator between the subject tax return and said at least one accessed previously filed tax return for the subject taxpayer for at least one previous tax period.

16. The computerized method of claim 15, wherein said at least one confidence indicator is a change in a bank deposit account from the previously filed tax return to the subject tax return.

17. A system for detecting a fraudulent tax return, the system comprising:

a filed return data store comprising filed tax information indicative of a plurality of previously filed tax returns for a corresponding plurality of filed taxpayers;

an indicator acquisition engine that receives subject tax information indicative of a subject tax return to be verified,

wherein the subject tax return is associated with a tax period,

wherein the indicator acquisition engine accesses the filed tax information associated with said tax period from the filed return data store,

an indicator analysis engine for comparing the subject tax information to the filed tax information to identify at least one confidence indicator,

wherein said at least one confidence indicator is indicative of a fraudulent tax return related to the subject taxpayer.

18. The system of claim 17, further comprising:

an authentication engine for requesting, from a user, authentication information associated with the subject taxpayer to authenticate the subject taxpayer and comparing the received authentication information with a pre-stored known authentication information associated with the subject taxpayer to authenticate the subject tax return as properly associated with the subject taxpayer.

19. The system of claim 17, further comprising:

a notification engine for notifying a user, using a set of taxpayer identification information associated with the subject taxpayer, of the fraudulent tax return.

20. The system of claim 17, further comprising:

a risk analysis engine for accessing a repository of high-risk data that includes information indicative of a plurality of taxpayers whose identification information has been compromised,

said risk analysis engine determining a risk level associated with the subject taxpayer by comparing the subject taxpayer identification information to the accessed information from the repository of high-risk data.