Intent Pay

Native privacy-first Android expense tracker that intercepts bank SMS alerts offline to classify transactions and curb impulse spending.

Report Bug · Request Feature

---

┌──────────────────�      ┌────────────────────────�      ┌───────────────────────�
│ Incoming Bank    │ ───► │ Android Broadcast      │ ───► │ Local Deterministic   │
│ SMS Notification │      │ Receiver (Zero Cloud)  │      │ Regex Parsing Engine  │
└──────────────────┘      └────────────────────────┘      └───────────┬───────────┘
                                                                      │
┌──────────────────�      ┌────────────────────────�                  ▼
│ Jetpack Compose  │ ◄─── │ Room SQLite Database   │ ◄─── ┌───────────────────────�
│ Glassmorphic UI  │      │ & Budget Table Entity  │      │ High-Value Reflection │
└──────────────────┘      └────────────────────────┘      │ Behavioral Friction UI│
                                                          └───────────────────────┘

Existing personal budget apps rely on delayed cloud bank syncing and passive tracking, failing to intervene at the critical moment of purchase. Intent Pay operates 100% offline, intercepting bank SMS transaction alerts in real time through native Android broadcast receivers and introducing deliberate reflection friction overlays on high-value purchases.

---

Features

• 100% Offline Privacy — Stores and processes all financial transaction data on device without cloud telemetry or external network calls.
• Zero-Latency SMS Interception — Listens for incoming banking SMS notifications instantly using native Android BroadcastReceivers (SmsReceiver.kt).
• Deterministic Expense Classifier — Extracts transaction amounts, merchant names, and categories with local regex rules (KeywordRuleMatcher.kt).
• Behavioral Reflection Overlay — Displays an immediate friction modal (ReflectionActivity.kt) on high-value purchases to prevent impulse spending.
• Glassmorphic Compose UI — Features custom glass cards (GlassCard.kt), mesh backgrounds (MeshBackground.kt), and dynamic spending rings.
• Google Sheets & CSV Export — Supports periodic background synchronization and manual spreadsheet export via Android WorkManager.

---

How It Works

graph TD
    A[Incoming Bank SMS Alert] --> B[SmsReceiver: BroadcastReceiver]
    B --> C[SmsParser: Regex Engine]
    C --> D{High-Value Transaction?}
    D -->|Yes| E[ReflectionActivity: Intent Friction Dialog]
    D -->|No| F[Direct Transaction Insertion]
    E -->|User Confirms / Reflects| F
    F --> G[(Room SQLite Database)]
    G --> H[Jetpack Compose Dashboard & Spending Rings]

Loading

---

Android Permissions

Intent Pay requires the following explicit permissions for offline transaction detection:

Permission	Purpose
android.permission.RECEIVE_SMS	Intercept incoming bank transaction SMS messages in real time
android.permission.READ_SMS	Historical transaction import during initial onboarding
android.permission.POST_NOTIFICATIONS	Send budget alerts and high-value reflection prompts
android.permission.BIND_ACCESSIBILITY_SERVICE	Optional UPI payment screen detection

---

Quick Start

Prerequisites

Requirement	Version	Notes
Android Studio	Flamingo (2022.2.1)+	Official Android IDE
JDK	17+	Java Development Kit
Android SDK	API 24+ (Android 7.0+)	Minimum SDK target

Installation & Build

1. Clone the repository:

   git clone https://github.com/Justinvcj/Intent_Pay.git
   cd Intent_Pay

2. Open the project in Android Studio.

3. Build debug APK using Gradle:

   ./gradlew assembleDebug

4. Install on a connected physical Android device or emulator with SMS capabilities.

---

Tech Stack

Layer	Technology
Language	Kotlin
UI Framework	Jetpack Compose, Material Design 3, Glassmorphic Design System
Local Storage	Android Room Database, SQLite, Android DataStore
Background Processing	Android WorkManager, Kotlin Coroutines, StateFlow
Build System	Gradle Kotlin DSL (build.gradle.kts)

---

Contributing

Contributions are welcome. Please open an issue first to discuss what you would like to change.

1. Fork the Project
2. Create your Feature Branch (git checkout -b feat/IntentFeature)
3. Commit your Changes (git commit -m 'feat: add intent feature')
4. Push to the Branch (git push origin feat/IntentFeature)
5. Open a Pull Request

---

License

Distributed under the MIT License. See LICENSE for details.