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Segment Information
 3 Months Ended
Oct. 31, 2021
Segment Reporting [Abstract]  
Segment Information
11. Segment Information
We have defined our four reportable segments, described below, based on factors such as how we manage our operations and how our chief operating decision maker views results. We define the chief operating decision maker as our Chief Executive Officer and our Chief Financial Officer. Our chief operating decision maker organizes and manages our business primarily on the basis of product and service offerings.
In December 2020 we acquired Credit Karma in a business combination and it operates as a separate reportable segment. We have included the results of operations of Credit Karma in our condensed consolidated statements of operations from the date of acquisition. Segment operating income for Credit Karma includes all direct expenses, which is different from our other reportable segments where we do not fully allocate corporate expenses.
 
Small Business & Self-Employed: This segment serves small businesses and the self-employed around the world, and the accounting professionals who assist and advise them. Our offerings include QuickBooks financial and business management online services and desktop software, payroll solutions, merchant payment processing solutions, and financing for small businesses.
Consumer: This segment serves consumers and includes do-it-yourself and assisted TurboTax income tax preparation products and services sold in the U.S. and Canada. Our Mint offering is a personal finance offering which helps customers track their finances and daily financial behavior.
 Credit Karma: This segment serves consumers with a personal finance platform that provides personalized recommendations of credit card, home, auto and personal loans, and insurance products; online savings and checking accounts through an FDIC member bank partner; and access to their credit scores and reports, credit and identity monitoring, credit report dispute, and data-driven resources.
ProConnect: This segment serves professional accountants in the U.S. and Canada, who are essential to both small business success and tax preparation and filing. Our professional tax offerings include Lacerte, ProSeries, and ProConnect Tax Online in the U.S, and ProFile and ProTax Online in Canada.
 
All of our segments operate primarily in the United States and sell primarily to customers in the United States. Total international net revenue was approximately 6% for the three months ended October 31, 2021 and October 31, 2020.
For our Small Business & Self-Employed, Consumer, and ProConnect reportable segments, we include expenses such as corporate selling and marketing, product development, and general and administrative, which are not allocated to specific segments, in unallocated corporate items as part of other corporate expenses. For Credit Karma, segment expenses include all direct expenses related to selling and marketing, product development, and general and administrative. Unallocated corporate items for all segments include share-based compensation, amortization of acquired technology, amortization of other acquired intangible assets, and goodwill and intangible asset impairment charges.
The accounting policies of our reportable segments are the same as those described in the summary of significant accounting policies in Note 1 to the financial statements in Part II, Item 8 of our Annual Report on Form 10-K for the fiscal year ended July 31, 2021 and in Note 1, "Description of Business and Summary of Significant Accounting Policies – Significant Accounting Policies" in this Quarterly Report on Form 10-Q. Except for goodwill and purchased intangible assets, we do not generally track assets by reportable segment and, consequently, we do not disclose total assets by reportable segment.
The following table shows our financial results by reportable segment for the periods indicated.
 Three Months Ended
(In millions)October 31, 2021October 31, 2020
Net revenue:  
Small Business & Self-Employed$1,443 $1,181 
Consumer120 119 
Credit Karma418 — 
ProConnect26 23 
Total net revenue$2,007 $1,323 
Operating income (loss):  
Small Business & Self-Employed$921 $767 
Consumer (11)4 
Credit Karma169 — 
ProConnect(11)(10)
Total segment operating income1,068 761 
Unallocated corporate items:  
Share-based compensation expense(280)(111)
Other corporate expenses(525)(432)
Amortization of acquired technology(15)(7)
Amortization of other acquired intangible assets(53)(2)
Total unallocated corporate items(873)(552)
Total operating income$195 $209 
Revenue classified by significant product and service offerings was as follows:
 Three Months Ended
(In millions)October 31, 2021October 31, 2020
Net revenue:  
QuickBooks Online Accounting$519 $392 
Online Services326 229 
Total Online Ecosystem845 621 
QuickBooks Desktop Accounting267 241 
Desktop Services and Supplies331 319 
Total Desktop Ecosystem598 560 
Small Business & Self-Employed1,443 1,181 
Consumer120 119 
Credit Karma418 — 
ProConnect26 23 
Total net revenue$2,007 $1,323 
Credit Karma revenue is primarily generated from cost-per-action transactions which are related to credit card issuances and personal loan funding.