Identifying and categorizing purchases

• US 10,706,479 B2
• Filed: 04/25/2017
• Issued: 07/07/2020
• Est. Priority Date: 04/25/2017
• Status: Active Grant

• Current Assignee: HRB Innovations Incorporated (H&R Block, Inc.)
• Original Assignee: HRB Innovations Incorporated (H&R Block, Inc.)
• Inventors: Rigney, Nathan K.
• Primary Examiner(s): Poinvil, Frantzy
• Application Number:
  US15/496,731
• Publication Number:
  US 20180308179A1
• Time in Patent Office: 1,169 Days
• Field of Search: 705 3- 44
• CPC Class Codes: G06Q 40/123 Tax preparation or submission

Abstract

Discovering and categorizing individual purchases associated with a user is described. Exemplary steps include acquiring access to a repository; identifying, from within the repository, an electronic receipt; identifying, from within the electronic receipt, at least one line item; acquiring a set of user information; predicting, based at least in part on the set of user information, whether the line item falls within a certain category; and storing, if the line item falls within the certain category, the line item such that information associated with the line item is retrievable.

Claims

1. One or more non-transitory computer readable storage media storing computer-executable instructions that discover and categorize purchases associated with a user, wherein execution of the computer-executable instructions by a computer system having one or more processing elements performing the following steps:

acquiring, by at least one of said processing elements, access to a repository;

identifying, by at least one of said processing elements, from within the repository, an electronic receipt;

identifying, by at least one of said processing elements, from within the electronic receipt, at least one line item;

acquiring, by at least one of said processing elements, a set of user information indicative of an occupation or field of business that is associated with the user;

predicting, by at least one of said processing elements, based at least in part on the set of user information, that the line item falls within a certain category;

and

storing, by at least one of said processing elements, the line item that falls within a certain category such that information associated with the line item is retrievable;

using a tax preparation program to retrieve the stored information including the certain category; and

filing a tax return associated with the user including the stored information.

2. The one or more non-transitory computer readable storage media of claim 1, wherein the repository is an e-mail account associated with the user.

3. The one or more non-transitory computer readable storage media of claim 1, wherein the repository is a retailer account associated with the user.

4. The one or more non-transitory computer readable storage media of claim 1, wherein the electronic receipt is a purchase record indicative of a purchase of at least one good or service.

5. The one or more non-transitory computer readable storage media of claim 1, wherein execution of the computer-executable instructions by at least one processing element further performs the following steps:

accessing a data store of common items within the certain category; and

storing the line item in the data store of common items such that it is associated with the certain category.

6. The one or more non-transitory computer readable storage media of claim 5, wherein the certain category is business-related expenses.

7. The one or more non-transitory computer readable storage media of claim 6, wherein the stored information is utilized by the tax preparation program to deduct the business-related expenses from a taxable income amount.

8. The one or more non-transitory computer readable storage media of claim 1, wherein execution of the computer-executable instructions by at least one of said processing elements further performs the following steps:

presenting, to the user via a graphical user interface, information indicative of the line item and the certain category; and

presenting, to the user via the graphical user interface, an option to verify that the line item belongs within the certain category.

9. The one or more non-transitory computer readable storage media of claim 8, wherein execution of the computer-executable instructions by at least one of said processing elements further performs the following step:

calculating a probability that the line item is within the certain category,

wherein the step of presenting an option to verify is only performed if the calculated probability is above a threshold.

10. The one or more non-transitory computer readable storage media of claim 8, wherein execution of the computer-executable instructions by at least one of said processing elements further performs the following step:

presenting, to the user via the graphical user interface, a set of supplemental information to assist the user in making an informed decision as to verification,

wherein the set of supplemental information that is presented to the user includes at least one of;

information related to the certain category, information related to the line item, and information related to common expenses for the certain category.

11. One or more non-transitory computer readable storage media storing computer-executable instructions that discover and categorize purchases associated with a user, wherein execution of the computer-executable instructions by a computer system having one or more processing elements performing the following steps:

acquiring, by at least one of said processing elements, access to a repository;

identifying, by at least one of said processing elements, from within the repository, an electronic receipt;

identifying, at least one of said processing elements, from within the electronic receipt, at least one line item;

acquiring, by at least one of said processing elements, a set of user information indicative of an occupation or field of business that is associated with the user;

predicting, by at least one of said processing elements, based at least in part on the occupation or field of business that is associated with the user, whether the line item falls within a business expense category; and

storing, by at least one of said processing elements, if the line item falls within the business expense category, the line item such that information associated with the line item is retrievable;

using a tax preparation program to retrieve the stored information; and

filing a tax return associated with the user including the stored information.

12. The one or more non-transitory computer readable storage media of claim 11, wherein the repository is selected from a group consisting of an e-mail account associated with the user and a retailer account associated with the user.

13. The one or more non-transitory computer readable storage media of claim 11, wherein execution of the computer-executable instructions by at least one of said processing elements further performs the following steps:

accessing a data store of common items within the business expense category; and

storing the line item in the data store of common items such that it is associated with the business expense category.

14. The one or more non-transitory computer readable storage media of claim 11, wherein the stored information is utilized by the tax preparation program to deduct the line items within the business expense category from a taxable income amount.

15. The one or more non-transitory computer readable storage media of claim 11, wherein execution of the computer-executable instructions by at least one of said processing elements further performs the following steps:

calculating a probability that the line item is within the business expense category;

presenting, to the user via a graphical user interface and upon the calculated probability being above a threshold, information indicative of the line item and the business expense category; and

presenting, to the user via the graphical user interface, an option to verify that the line item belongs within the business expense category;

presenting, to the user via the graphical user interface, a set of supplemental information to assist the user in making an informed decision as to verification,

wherein the set of supplemental information that is presented to the user includes at least one of;

information related to the business expense category, information related to the line item, and information related to common expenses for the business expense category.

16. A computerized method for discovering and categorizing purchases associated with a user performed by a computer system having one or more processing elements, the method comprising the following steps:

acquiring, by at least one of said processing elements, access to a repository;

identifying, by at least one of said processing elements, from within the repository, an electronic receipt;

identifying, by at least one of said processing elements, from within the electronic receipt, at least one line item;

acquiring, by at least one of said processing elements, a set of user information indicative of an occupation or field of business that is associated with the user;

predicting, by at least one of said processing elements, based at least in part on the occupation or field of business, whether the line item falls within a business expense category; and

storing, by at least one of said processing elements, if the line item falls within the business expense category, the line item such that information associated with the line item is retrievable by a tax preparation program,

wherein the stored information is utilized by the tax preparation program to complete a tax return that deducts the line items within the business expense category from a taxable income amount; and

filing the tax return associated with the user including the stored information.

17. The computerized method of claim 16, wherein the repository is selected from a group consisting of an e-mail account associated with the user and a retailer account associated with the user.

18. The computerized method of claim 16, further comprising the following steps:

accessing a data store of common items within the business expense category; and

storing the line item in the data store of common items such that it is associated with the business expense category.

19. The computerized method of claim 16, further comprising the following steps:

calculating a probability that the line item is within the business expense category;

presenting, to the user via a graphical user interface and upon the calculated probability being above a threshold, information indicative of the line item and the business expense category; and

presenting, to the user via the graphical user interface, an option to verify that the line item belongs within the business expense category;

presenting, to the user via the graphical user interface, a set of supplemental information to assist the user in making an informed decision as to verification,

wherein the set of supplemental information that is presented to the user includes at least one of;

information related to the business expense category, information related to the line item, and information related to common expenses for the business expense category.