Source: https://patents.google.com/patent/US8423433B1/en
Timestamp: 2019-01-18 19:17:07
Document Index: 532743460

Matched Legal Cases: ['§119', 'Application No. 60', 'art08', 'art 1', 'art 2', 'art 3']

US8423433B1 - Method, system, and manufacture for tax information distribution - Google Patents
Method, system, and manufacture for tax information distribution Download PDF
US8423433B1
US8423433B1 US12471040 US47104009A US8423433B1 US 8423433 B1 US8423433 B1 US 8423433B1 US 12471040 US12471040 US 12471040 US 47104009 A US47104009 A US 47104009A US 8423433 B1 US8423433 B1 US 8423433B1
Expired - Lifetime, expires 2018-10-28
US12471040
An electronic intermediary electronically receives information from a taxpayer or an authorized tax return preparer of the taxpayer. The received information may include information on a tax data provider and taxpayer identification information. The electronic intermediary connects automatically and electronically to the tax data provider based on the received information. The electronic intermediary collects automatically and electronically tax data from the tax data provider and processes automatically and electronically the collected tax data to obtain processed tax data. The electronic intermediary prepares automatically and electronically an electronic tax return by using the processed tax data. The electronic intermediary receives electronically direction from the taxpayer to provide the electronic tax return and/or the tax data to a tax information distributor, connects electronically to the tax information distributor, and provides electronically the electronic tax return and/or tax data to the tax information distributor.
This application is a divisional application of U.S. patent application Ser. No. 10/978,430, filed Nov. 2, 2004, which is a divisional application of U.S. patent application Ser. No. 09/803,667, filed Mar. 12, 2001, which is a continuation-in-part of U.S. patent application Ser. No. 09/073,027, filed May 7, 1998, now U.S. Pat. No. 6,202,052, which claims the priority benefit under 35 U.S.C. §119(e) of U.S. Provisional Patent Application No. 60/045,945, filed May 8, 1997, now expired. All of the foregoing patents and patent applications are hereby incorporated by reference in their entirety.
The invention relates generally to collecting, processing, compiling, and distributing information and data. More specifically, the invention relates to a method, a system, and an article of manufacture for tax information distribution.
In addition, tax returns and other tax information are useful for many purposes other than filing a tax return. For example, before engaging in a transaction with a taxpayer, many types of entities require a taxpayer's tax return and/or other tax information. For example, a lender or a landlord often requires a tax return or other tax information of a taxpayer prior to entering into a business relationship with the taxpayer. Tax returns and other tax information are neither available nor readily accessible in electronic form. Consequently, such information must be stored, manually accessed, and manually duplicated by the taxpayer. Further, because the information is generally provided by the taxpayer, the recipient generally is unable to ensue that the information is accurate and unaltered. Currently, there is no system or technique to access such tax information electronically.
An additional object of the present invention is to provide a system for electronically accessing tax information.
The above objects and advantages of the present invention are achieved by a method, an apparatus, and an article of manufacture for fully-automated tax reporting, payment, and refund and for electronically accessing tax information. The method comprises: connecting electronically to tax data providers; collecting electronically tax data from the tax data providers; processing electronically the tax data collected electronically from the tax data providers to obtain processed tax data; preparing electronically an electronic tax return using the processed tax data; connecting electronically to taxing authorities; filing electronically the electronic tax return with the taxing authorities; connecting electronically to a financial institution; and paying or receiving electronically tax liability or refund, respectively, between the financial institution and the taxing authorities.
In addition, the invention includes a method for collecting tax information by a tax information requestor comprising the steps of connecting electronically the tax information requestor to an electronic intermediary and/or to a tax data provider; collecting electronically an electronic tax return and/or tax data of a taxpayer from the electronic intermediary; and collecting electronically electronic tax returns and/or tax data from the tax data provider. The method further comprises the step of performing a check of the taxpayer using the electronic tax return and/or tax data collected electronically.
Further, the invention includes a method for collecting tax information by a tax information distributor comprising the steps of: connecting electronically the tax information distributor to a plurality of electronic intermediaries and/or to a plurality of tax data providers; collecting electronically electronic tax returns of taxpayers and/or tax data of taxpayers from the electronic intermediaries; collecting electronically electronic tax returns of taxpayers and/or tax data of taxpayers from the tax data providers; and assembling collected electronic tax returns of taxpayers and/or tax data of taxpayers to obtain assembled tax information of taxpayers. The method further comprises the steps of: connecting electronically the tax information distributor to a tax information requestor; and providing electronically the assembled tax information to the tax information requestor.
The system of the invention includes a computer system comprising a computer-readable medium having code segments to operate a computer in accordance with the invention.
The apparatus of the invention includes a computer comprising a computer-readable medium having code segments to operate the computer in accordance with the invention.
The article of manufacture of the invention includes a computer-readable medium having code segments to operate a computer in accordance with the invention.
FIG. 1 illustrates the procedure for a first embodiment of the invention.
FIG. 2 illustrates the relationships for the first embodiment of the invention.
FIG. 3 illustrates the relationships for a second embodiment of the invention.
FIG. 4 illustrates the relationships for a third embodiment of the invention.
The description is divided into three exemplary embodiments. In the first embodiment, an electronic intermediary generates and files a tax return. In the second embodiment, a tax information requestor electronically collects tax information. In the third embodiment, a tax information distributor electronically collects tax information and distributes assembled tax information to a tax information requestor.
In step 12, the electronic intermediary electronically collects tax data from the tax data providers using electronic links. The electronic intermediary connects electronically to each tax data provider that has tax data pertaining to the taxpayer using the electronic links. Referring to FIG. 2, the electronic intermediary 21 electronically connects to the taxpayer's employers, 22 through electronic links 32, to the taxpayer's banks 23 through electronic links 33, to the taxpayer's brokerage firms 24 through electronic links 34, to the taxpayer's charities 25 through electronic links 35, to taxing authorities 27 through electronic links 37, and to the taxpayer's other tax data providers 26 through electronic links 36. FIG. 2 is illustrative, and the electronic intermediary 21 can connect electronically with and collect tax data electronically from other tax data providers, as discussed above in step 11.
In the first embodiment, in general and referring to FIG. 2, the electronic intermediary 21 electronically collects tax information for the taxpayer 20 from a number of tax data providers 22-27, prepares an electronic tax return, and files the electronic tax return with taxing authorities 27. The electronic tax return prepared by the electronic intermediary 21 and other tax information (whether or not incorporated in the electronic tax return) is useful to others besides the taxing authorities 27. The second embodiment focuses on this additional usefulness of the electronic tax return, as well as tax data provided by the tax data providers.
Tax information has many uses other than merely to permit a taxpayer to compute his or her taxes. (As used in the second and third embodiments, “tax information” includes, for example, an electronic tax return and/or tax data.) Tax information can be used to perform a check on the taxpayer. As an example of a check, the decision by a bank or other financial institution to make a mortgage loan or otherwise extend credit to a taxpayer is often based on the wages of the taxpayer and other taxable income reported to the taxpayer on IRS Forms W-2 and 1099 and reported by the taxpayer to the IRS on Form 1040. As another example of a check on a taxpayer, other persons (e.g., a cooperative board, a condominium board, an employer, a potential partner or other joint venturer, or for taxpayer that is a business entity, a potential acquirer, a target, or a merger partner) also rely on tax information to make decisions. Examples of entities finding tax information useful include: a prospective lender; a landlord; an employer; a director of a cooperative board; a director of a condominium board; a potential business partner or other joint venturer; and for taxpayer that is a business entity, a potential acquirer, a target, or a merger partner.
Currently, in order for a taxpayer to provide his or her own tax information to a third party, the taxpayer must have saved hard copies of the tax forms and tax returns, must manually copy the tax forms and tax returns, and must manually mail or deliver the tax forms and tax returns to the third party. Moreover, it is currently difficult for the third party to verify that the information is accurate and that the tax forms and tax returns have not been altered.
With the invention, a taxpayer can electronically distribute or direct the distribution of the tax information of the taxpayer to a tax information requestor or permit the tax information requestor to electronically collect the information. The phrase “tax information requestor” includes a data processing system comprising a general purpose computer and a computer program for performing the invention.
FIG. 3 illustrates the second embodiment of the invention. The taxpayer 20 directs the electronic intermediary 21 to electronically provide a tax information requestor 40 with the electronic tax return and/or tax data provided to the electronic intermediary 21 by tax data providers 43-44. The electronic intermediary 21 is electronically coupled to the tax information requestor 40 via an electronic link 41, which is similar to the electronic links 32-37.
As an option, with the consent of the taxpayer, the tax data providers electronically provide the tax data and/or electronic tax return directly to the tax information requestor. The taxpayer 20 electronically directs one or more tax data providers 43-44 to provide the tax data and/or electronic tax returns directly to the tax information requestor 40. The taxpayer 20 can direct the tax data providers via the electronic intermediary 21 or another electronic link, such as a secure Internet connection. The electronic intermediary 21 is coupled to the tax data providers 43-44 via electronic links 45-46, respectively. The electronic links 45-46 are similar to the electronic links 32-37. The tax data can be provided to the tax information requestor 40 via the prompting of the one or more tax data providers by the taxpayer 20 or via a request to the one or more tax data providers from the tax information requestor 40.
With the electronic tax return and/or tax data received from the electronic intermediary 21 and/or tax data providers 43-44, the tax information requestor performs a check on the taxpayer.
Although only two tax data providers are illustrated in FIG. 3, any number of tax data providers can be used with the invention.
In the second embodiment, tax information is distributed to a tax information requestor via an electronic intermediary and/or tax data providers. In the third embodiment, tax information is distributed via a tax information distributor.
In addition to the benefits of tax information discussed above for the second embodiment, tax information can also permit financial institutions, merchants, and other consumer product companies to target their goods and/or services to particular taxpayers. For example, an on-line electronic broker can target its marketing campaign to taxpayers that have disproportionately high amounts of short-term capital gains and losses. These taxpayers likely engage in significant trading activity and are likely best served by an on-line electronic broker. As another example, merchants of luxury goods can target their marketing efforts to households with relatively high amounts of taxable incomes. As a further example, high-end real estate brokers can solicit taxpayers with significant mortgage interest expenses. Presently, tax information is not readily available or in an accessible or useful form for compilation.
With the invention, taxpayers can electronically distribute or direct the distribution of their own tax information to a tax information distributor or permit the tax information distributor to electronically collect the tax information. The tax information distributor assembles and electronically distributes the tax information to a tax information requestor. The term “tax information distributor” includes data processing system comprising a general purpose computer and a computer program for performing the invention.
FIG. 4 illustrates the third embodiment of the invention. A tax information distributor 50 collects tax information from electronic intermediaries 21 and 63-64 and tax data providers 43-44. The electronic intermediaries 63-64 are similar to the electronic intermediary 21. The electronic intermediaries 63-64 are linked to taxpayers 61-62, respectively, via links 65-66, respectively. Links 65-66 are similar to link 31. The electronic intermediaries 21 and 63-64 are electronically coupled to the tax information distributor 50 via electronic links 51 and 67-68, respectively. Electronic links 51 and 67-68 are similar to electronic links 32-37. The tax data providers 43 and 44 are electronically coupled to the tax information distributor 50 via electronic links 53 and 54. Electronic links 53 and 54 are similar to electronic links 32-37.
Each taxpayer 20 and 61-62 directs an electronic intermediary 21 and 63-64, respectively, and/or electronically directs one or more tax data providers 43-44 to provide the tax data and/or electronic tax returns directly to the tax information distributor 50. The tax data providers 43 and 44 are electronically coupled to the electronic intermediaries as in the first and second embodiments, but the connections are not illustrated in FIG. 4 to avoid confusion. Further, depending on the type of tax information not every electronic intermediary is coupled to every tax data provider.
The tax information distributor 50 assembles the tax information to obtain assembled tax information. The assembled tax information includes for example: individual tax information on or with respect to each taxpayer, such as the electronic tax returns and/or the tax data electronically collected by the tax information distributor; demographic and/or statistical information regarding the taxpayers or subsets of the taxpayers; unmanipulated tax information; and manipulated tax information. For example, statistical information can include: statistics on household income obtained from a number of taxpayers or from a single taxpayer; historic or geographic trends in types or amounts of income, as obtained from a number of taxpayers or from a single taxpayer. The assembled tax information is preferably prepared in a readable or presentable format, which can include text, tables, and graphs, and is preferably ready for distribution via an electronic link.
The tax information distributor 50 distributes the assembled tax information to the tax information requestor 40 via an electronic link 52, which is similar to electronic links 32-37. The tax information distributor 50 preferably distributes the assembled tax information pursuant to a request from the tax information requestor 40. The tax information requestor 40 preferably uses the assembled tax information to identify and target specific taxpayers or groups of taxpayers for marketing and other purposes. The distributed assembled tax information is preferably distributed with the consent of each taxpayer. The distributed assembled tax information can be from a single source, multiple sources, and/or a compilation from multiple sources, where the sources are the electronic intermediaries 21 and 63-64 and the tax data providers 43-44. The distributed assembled tax information can be for a single taxpayer or multiple taxpayers.
Although only three electronic intermediaries are illustrated in FIG. 4, any number of electronic intermediaries can be used with the invention. Although only two tax data providers are illustrated in FIG. 4, any number of tax data providers can be used with the invention.
1. A method for tax information distribution by an electronic intermediary comprising the steps of:
receiving, by the electronic intermediary, information from a taxpayer or an authorized tax return preparer of the taxpayer, wherein the received information comprises information on a tax data provider;
connecting electronically the electronic intermediary to the tax data provider, wherein the electronic intermediary connects electronically to the tax data provider based on the received information;
collecting, by the electronic intermediary, tax data from the tax data provider, wherein said tax data is taxpayer specific tax data;
processing, by the electronic intermediary and via a processor, the tax data collected from the tax data provider to obtain processed tax data; and
preparing, by the electronic intermediary, a tax return using the processed tax data.
receiving, by the electronic intermediary, authorization from said taxpayer or said authorized tax return preparer of said taxpayer to contact and receive said tax data from said tax data provider.
searching and locating said tax data provider based on said received information.
4. The method of claim 1, wherein said received information is comprised of one or more of the following:
an identification of the taxpayer;
an identification of the tax data provider; and
information to determine whether said taxpayer has a special tax case.
5. The method of claim 1, wherein said tax data provider is an employer, a partnership, a bank, a savings and loan institution, a mortgage institution, a credit card bureau, a thrift institution, a securities brokerage firm, a mutual fund holding institution, or a charity.
6. The method of claim 1, wherein said tax data is a payroll statement, a bank statement, a savings and loan statement, a mortgage statement, a credit card bureau statement, a thrift institution statement, a brokerage account statement, a mutual fund statement, or a charity statement.
if taxes are owed, paying, via the electronic intermediary, said taxes owed; and
if taxes are to be refunded, receiving, via the electronic intermediary, a tax refund.
8. The method of claim 7, wherein the step of paying said taxes owed comprises:
connecting to a financial institution; and
9. The method of claim 7, wherein the step of receiving said tax refund comprises:
authorizing a taxing authority to credit said tax refund to said financial institution.
10. A non-transitory computer-readable storage medium with an executable program stored thereon for tax information distribution, wherein the program instructs a processor to perform the following steps:
receive, by an electronic intermediary, information from a taxpayer or an authorized tax return preparer of the taxpayer, wherein the received information comprises information on a tax data provider;
connect the electronic intermediary to the tax data provider, wherein the connection to the tax data provider is based on the received information;
collect, by the electronic intermediary, tax data from the tax data provider, wherein said tax data is taxpayer specific tax data;
process, by the electronic intermediary, the tax data collected from the tax data provider to obtain processed tax data; and
prepare, by the electronic intermediary, a tax return using the processed tax data.
11. The non-transitory computer-readable storage medium of claim 10, wherein the program further instructs the processor to perform the following step:
receive authorization from said taxpayer or said authorized tax return preparer of said taxpayer to contact and receive said tax data from said tax data provider.
12. The non-transitory computer-readable storage medium of claim 10, wherein the program further instructs the processor to perform the following step:
search and locate said tax data provider based on said received information.
13. The non-transitory computer-readable storage medium of claim 10, wherein said received information is comprised of one or more of the following:
14. The non-transitory computer-readable storage medium of claim 10, wherein said tax data provider is an employer, a partnership, a bank, a savings and loan institution, a mortgage institution, a credit card bureau, a thrift institution, a securities brokerage firm, a mutual fund holding institution, or a charity.
15. The non-transitory computer-readable storage medium of claim 10, wherein said tax data is a payroll statement, a bank statement, a savings and loan statement, a mortgage statement, a credit card bureau statement, a thrift institution statement, a brokerage account statement, a mutual fund statement, or a charity statement.
16. A system for tax information distribution, comprising:
a non-transitory computer-readable storage medium with an executable program stored thereon for tax information distribution by the computer, wherein the program instructs the processor to perform the following steps:
receive, by the computer, information from a taxpayer or an authorized tax return preparer of the taxpayer, wherein the received information comprises information on a tax data provider;
connect the computer to the tax data provider using an electronic data network, wherein the computer connects to the tax data provider based on the received information;
collect, by the computer, tax data from the tax data provider using the electronic data network, wherein said tax data is taxpayer specific tax data;
process, by the computer, the tax data collected from the tax data provider to obtain processed tax data; and
prepare, by the computer, a tax return using the processed tax data.
17. The system of claim 16, wherein the program further instructs the processor to perform the following step:
18. The system of claim 16, wherein said received information is comprised of one or more of the following:
19. The system of claim 16, wherein said tax data provider is an employer, a partnership, a bank, a savings and loan institution, a mortgage institution, a credit card bureau, a thrift institution, a securities brokerage firm, a mutual fund holding institution, or a charity.
20. The system of claim 16, wherein said tax data is a payroll statement, a bank statement, a savings and loan statement, a mortgage statement, a credit card bureau statement, a thrift institution statement, a brokerage account statement, a mutual fund statement, or a charity statement.
US12471040 1997-05-08 2009-05-22 Method, system, and manufacture for tax information distribution Expired - Lifetime US8423433B1 (en)
US09803667 US20010037268A1 (en) 1997-05-08 2001-03-12 Fully-automated system for tax reporting, payment and refund and system for accessing tax information
US97843004 true 2004-11-02 2004-11-02
US12471040 US8423433B1 (en) 1997-05-08 2009-05-22 Method, system, and manufacture for tax information distribution
US97843004 Division 2004-11-02 2004-11-02
US8423433B1 true US8423433B1 (en) 2013-04-16
ID=46257594
US09803667 Abandoned US20010037268A1 (en) 1997-05-08 2001-03-12 Fully-automated system for tax reporting, payment and refund and system for accessing tax information
US12471040 Expired - Lifetime US8423433B1 (en) 1997-05-08 2009-05-22 Method, system, and manufacture for tax information distribution
US (2) US20010037268A1 (en)
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U.S. Appl. No. 60/229,693. *
US20010037268A1 (en) 2001-11-01 application