Embodiments described herein provide a timeline-based decumulation management mechanism for wealth management in retirement. The mechanism incorporates a plurality of factors and constraints including a desired consumption and bequeath, investment in qualified and nonqualified accounts, account disbursement and conversion rules, income and capital gains taxes, tracking of tax lots, estate tax rules such as basis step-up, Social Security, pensions, real estate, mortgages, SPIA and deferred income annuities, term life insurance, and alternatives. Specifically, the mechanism translates various account information into one or more convex constraints over a consumption variable, an income variable, a taxable income variable, and a bequest variable at the current year. Subject to these convex constraints, the mechanism is able to formulate a convex optimization problem that maximizes a utility representing the lifetime expectation of assets.

Certain aspects of the present disclosure provide techniques for providing an indicator to an inexperience business owner to enter transactions into an accounting system. Transaction data from applications is grouped into two groups based on experience of each group. Transaction data from an experienced group will have transactions with accounting professionals, while an inexperienced group may not, or have fewer such transactions. A transaction is decomposed into at least two transaction events, each with showing two accounts per transaction event, as per double entry accounting rules. Probability values for each transaction event are determined based on the accounts involved: probability value=p(account_1=account_type_1, credit/debit amount, account_2=account_type_2, credit/debit amount|previous event account_3=account_type_3, credit/debit amount, account_4=account_type_4, credit/debit amount). Probability values overexpressed for the experienced group relative to the inexperienced group indicate using different accounts may be more optimal to the inexperienced group.

Systems and methods for automatic asset analysis are provided. A method can include obtaining user input from a user interface presenting a number of assets. The user input can be indicative of a selected asset from the number of assets. The method can include obtaining an asset profile for the selected asset from a first database and historical data associated with the asset from a second database. The asset profile for the selected asset can be previously generated for the asset based on asset data compiled from a number of external sources. The method can include automatically generating a segregation estimate for the selected asset based on the asset profile and the historical data. The method can include automatically displaying data indicative of the segregation estimate in response to the user input. The specialized user interfaces described herein allow for automatic segregation analysis with minimal user interaction.

Certain aspects of the present disclosure provide techniques for recommending trip purposes to users of an application. Embodiments include receiving labeled travel data from the application running on a remote device including a plurality of trip purposes. Embodiments include building a topic model representing words associated with a plurality of topics. Embodiments include training a topic prediction model, using the plurality of topics and one or more features derived from each of the plurality of trip records, to output a topic based on an input trip record. Embodiments include training a purpose prediction model, using the topic model and the plurality of trip purposes, to output a trip purpose based on an input topic. The trip purpose may be recommended to a user via a user interface of the application running on the remote device.

Systems and methods electronically generate sample dots, produce resources associated with the dots and estimate a resource for a target point from known resources of dots near the target point based on client side version of digital rules, cataloged data and coarse values previously received from the online service platform. A client receives cataloged data of a cataloged domain in which the cataloged data includes data representing a plurality of dots and a respective computed resource value for each of the dots and each dot of the plurality of dots represents a point in the cataloged domain. In response to confirming a target point is in the cataloged domain, the system discovers a closest one or more dots to the target point based on the cataloged data, estimates a statistic for a resource for the target point based on the respective computed resource values of the closest one or more dots, stores the estimated statistic in a memory, and produces the local estimate based on the estimated statistic.

A service running on a server includes a method running on a server, for example as a cloud server to provide a decentralized computing solution. The solution includes an audit service, a tax service or a combination thereof. The service includes providing a distributed registry that specifies a plurality of services available to support communications between a user device and a computer related device on a communication network. The pluralities of services specified by the distributed registry are presented to the user device. A request is received from the user device for a particular service from the plurality of services. The request may be made using a zero-knowledge protocol to maintain privacy of a user of the user device. The particular service includes an additional requested service for at least one of an auditability and taxability service. The particular service is provided along with the additional requested service.

Receiving a dataset and parsing from the dataset an XP coordinate value on an x-axis, a YP coordinate value on a y-axis, and a ZP coordinate value on a z-axis all within a domain having 3-dimensional features. The x-axis and y-axis are perpendicular and define a horizontal earthbound main surface. The ZP coordinate value is on the z-axis perpendicular to the horizontal earthbound main surface. The XP, YP and ZP define a place associated with a 3-dimensional feature. Stored resource rules for places in the domain are accessed that indicate a first resource if the ZP has a first value, and a second resource if the ZP has a second value. One of the resource rules that applies to the place is identified based on XP, YP and ZP. A resource for the dataset is determined by applying the identified rule. The resource is caused to be transmitted.

Novel tools and techniques are provided for implementing accounting platform functionalities. In various embodiments, a computing system might access a data file(s) associated with a first entity from a first accounting software system among a plurality of accounting software systems, each operating based on corresponding one of two or more commercial accounting software that are different from and/or incompatible with each other. The computing system might autonomously extract transaction data corresponding to a transaction entry for each individual transaction. The computing system might autonomously generate a transaction-based trial balance based on the extracted transaction data, the generated transaction-based trial balance serving as a living trial balance that is continually updated based on updated or new transaction data that is accessed from the first accounting software system. The computing system might autonomously generate one of a tax trial balance or an adjusted trial balance, based on the generated transaction-based trial balance.

Novel tools and techniques are provided for implementing accounting platform functionalities. In various embodiments, a computing system might access a data file(s) associated with a first entity from a first accounting software system among a plurality of accounting software systems, each operating based on corresponding one of two or more commercial accounting software that are different from and/or incompatible with each other. The computing system might autonomously extract transaction data corresponding to a transaction entry for each individual transaction. The computing system might autonomously generate a transaction-based trial balance based on the extracted transaction data, the generated transaction-based trial balance serving as a living trial balance that is continually updated based on updated or new transaction data that is accessed from the first accounting software system. The computing system might autonomously generate one of a tax trial balance or an adjusted trial balance, based on the generated transaction-based trial balance.

Certain aspects of the present disclosure provide techniques for intelligent grouping of travel data for review through a user interface. In one example, a method for providing grouped travel data to a user interface of an application includes receiving travel data from an application running on a remote device; generating one or more travel data-based features from the travel data thereby creating featurized travel data; applying a pattern mining technique to the featurized travel data to detect a plurality of patterns in the featurized travel data; for each trip record in the featurized travel data: determining a plurality of trip record groups in which the trip record falls based on the plurality of patterns; and adding the trip record to a trip record group of the plurality of trip record groups according to a prioritization scheme; and transmitting the trip record group to the application running on the remote device.