Hrb Innovations, Inc.

Hab Innovations, Inc.

Daniel D Martin

Jason Houseworth

Roman Breslav

Heather Watts

Matthew Berkland

Travis Giggy

Jennifer Acosta

Crystal Anderson

Simplification of complex input strings is utilized for user convenience, such that the user may input a complex input string in lieu of performing an external calculation and inputting the result thereof. The simplification identifying at least one operator in the complex input string indicative of a mathematical operation, identifying a first sub-string and a second sub-string in the input string, comparing the first sub-string to an expectation identification associated with the input field to determine a significance of the first sub-string, comparing the first sub-string to a range expectation associated with said significance to determine if the first sub-string meets the range expectation, and calculating a simplified input string by performing the mathematical operation on the first sub-string and the second sub-string.

Simplifying complex input strings

System and media for determining whether to conduct a transaction with a consumer claiming an identity. Identity points for the identity are stored in a first blockchain. Past transactions conducted by the party are stored in a second blockchain. Permission to read and/or write to the various blockchains are stored in a third blockchain. When the consumer desires to conduct a transaction, they can append a permission for the counterparty to access the identity and/or transaction chains to their permission chain. The counterparty can then make an informed decision as to whether to conduct the transaction with the consumer based on the information stored in the various blockchains.

Blockchain transactional identity verification

Described is identifying entities based at least in part on the location of a user device. A server or the user device will determine the location of the user device and/or whether there are any beacons, such as proximity beacons, in the vicinity. The server or the user device will then determine where the user is and if there are any identifiable entities within a certain distance to that location. In performing these steps, the server and/or the user device may access a database for the geographical area. The user device will then receive information related to a function as indicated by the user, such as the facilitation of a donation, a non-obligated payment, or an obligated payment to the entity.

Location-based tracking system

A system, method and media for providing a simplified, personalized tax interview to a user preparing a tax return for a taxpayer by determining which portions of a full tax interview are relevant to the return being prepared and then presenting only those relevant portions to the user. To make this determination, one or more prototypes (each representing one or more underlying characteristics associated with the return that inform the relevant portions of the tax interview) are determined for the return based on information already known before the tax interview is presented and may be updated based on information entered during the tax interview.

Simplified tax interview

A system, method, and computer-readable media for automatically allocating a payment among a plurality of funding accounts according to rules configured by the user. Embodiments of the invention can further allocate a single purchase among multiple payment accounts. This can be used, for example, to automatically aggregate credit limits where no single funding account has sufficient credit to fund the purchase alone. Embodiments of the invention can also assist the user with budgeting expenses by charging payments to one or more budgeting accounts previously defined by the user according to additional rules.

Unified payment vehicle

A method, system, and computer readable media for offering to the user of a payment vehicle a rewards program personalized to the user and the user's financial goals. A payment vehicle is provided with integrated reserved funds accounts which user can use to save up for large purchases. By designating the purchase for which these funds will ultimately be used, the user can be provided with personalized rewards programs relevant to planned purchases.

Payment vehicle with personalized rewards program

Methods for providing a payment vehicle that includes a plurality of virtual budgeting accounts to which deposits can be allocated and from which payments can be automatically deducted based on transaction information and rules configured by the user. The user can allocate funds loaded onto the payment vehicle among the budget accounts they have created. Then, when making purchases, the funds will be deduced from the appropriate virtual budgeting accounts based on rules configured by the user. If insufficient funds remain in the appropriate budget account, then the card can be declined for that purchase, thereby automating the process of compliance with the user's defined budget.

Growing community of inventors

Kansas City, MO, United States of America

Daniel D Martin