Transaction Verification

The Transaction Verification system is the quality-control hub of Credit Card Co-Pilot. While the app automatically ingests data from SMS and email, automated parsing can occasionally encounter "ambiguous" data—such as unclear merchant names or missing transaction channels.

The Verification screen (found under Parser Review) ensures your spending data is 100% accurate, which directly improves the precision of your reward recommendations and milestone tracking.

Ensuring Data Integrity

To maximize your credit card rewards, the system needs to know exactly where and how you spent your money. The Transaction Verification screen allows you to audit the "Parser" output and resolve any discrepancies.

Transaction Statuses

The system categorizes every ingested event into one of three states:

• Parsed: The system successfully identified the merchant, amount, and channel. These are usually ready for reward calculation.
• Ambiguous: The system found a transaction but is unsure about specific details (e.g., whether a "Starbucks" charge was an online reload or an in-store purchase).
• Failed: The ingestion engine could not extract meaningful data from the source. These require manual intervention to be counted toward your milestones.

The Review Workflow

The verification interface is designed for high-speed auditing, allowing you to clean up a month’s worth of transactions in seconds.

1. Filtering and Identification

Use the Segmented Control at the top of the screen to filter your feed. Focus on "Ambiguous" or "Failed" items to quickly address entries that are currently excluded from your reward analytics.

2. Quick Actions

For most transactions, a quick glance is enough.

• Accept: Validates the parser's logic and moves the transaction into your permanent history.
• Reject: Discards the entry (useful for duplicate alerts or non-transactional messages).
• Edit: Opens the detail editor to manually correct data.

3. Manual Corrections

When a transaction is incorrect or incomplete, you can refine the following fields:

• Merchant Label: Rename cryptic bank descriptors (e.g., "ZOM*1234") to friendly names ("Zomato").
• Transaction Channel: Switch between Online and POS (Offline). Since many cards offer 5x or 10x rewards specifically for online spend, this distinction is critical for accurate reporting.
• Event Kind: Categorize the entry as a standard Transaction, a Statement notification, or a Promo offer.

Why Verification Matters

Accuracy in the verification screen fuels the core value of Credit Card Co-Pilot:

• Milestone Precision: If a ₹50,000 transaction is marked as "Failed," your Milestone Tracker won't show you how close you are to your next annual fee waiver or bonus points.
• Smarter Recommendations: The recommendation engine learns from your verified history. Correcting a merchant category ensures that the next time you shop there, the app suggests the highest-earning card in your wallet.
• Audit Trail: Every edit you make is versioned. The system maintains a reviewHistory metadata log, ensuring you can always see when and why a transaction was modified.

Usage Example: Correcting an Ambiguous Spend

If the system imports a transaction from an SMS but isn't sure of the channel:

1. Navigate to Parser Review > Ambiguous.
2. Locate the transaction (e.g., Amazon Pay - ₹1,200).
3. Tap Edit.
4. Toggle the Channel to "Online."
5. Tap Save.

The transaction is now fully "Parsed" and will immediately reflect in your monthly spend summary and milestone progress bars.