CAP 139
| Category: | Expense intelligence |
| Business Goal: | BG-003 — Intelligent financial assistant; BG-009 — Automate everything |
| System Domain: | SD08 — App |
| Satisfying Module: | MOD-091 Receipt processor (module in design) |
Description¶
Customers can attach receipts to transactions via camera capture in-app or by forwarding email receipts to a unique address. OCR extracts the total, GST/VAT component, merchant details, date, and line items (where the receipt format allows). The receipt is automatically matched to the corresponding transaction. Unmatched receipts are queued for manual linking.
This capability bridges the gap between the bank's transaction data and the physical/digital evidence needed for GST returns, expense reimbursements, and audit support.
Capture methods¶
| Method | How it works |
|---|---|
| In-app camera | Customer photographs receipt immediately after purchase or later; image stored in S3 (ADR-028) |
| Email forwarding | Customer forwards receipt email to a unique bank address; email body and PDF/image attachments parsed |
| PDF upload | Customer uploads PDF receipt; OCR processing pipeline |
| Xero/MYOB import | Historical receipts pulled from linked accounting system on onboarding |
OCR extraction fields¶
| Field | Extraction confidence | Used for |
|---|---|---|
| Total amount | Very high | Transaction match |
| GST/VAT amount | High (explicit line usually) | Tax calculation |
| Merchant name | High | Classification enrichment |
| Date/time | Very high | Transaction match |
| Line items | Medium (format-dependent) | Expense splitting |
| ABN/IRD number | High (if present) | Supplier verification |
Transaction matching¶
Matching logic: 1. Exact: amount + date + merchant → high confidence auto-match 2. Fuzzy: amount ± rounding + date window + merchant similarity → suggested match 3. Unmatched: queued in "receipts to link" list; user prompted
Matched receipts are attached to the transaction record. The GST component populates the tax calculation for that transaction.
Retention¶
Receipts are retained for 7 years (NZ/AU statutory requirement for tax records). Stored in S3 with transaction reference as metadata. Accessible to accountant mode users and exportable for IRD/ATO audit.
Nudges¶
- "You have 3 transactions without receipts this week — add them now?"
- "Your GST return is due in 14 days — 6 transactions still need receipts"
- "You photographed a receipt but it didn't match any transaction — link it?"