My Cards Documentation
Organize payment-card references, associate expenses, and review card-scoped activity safely.
Audience: Members who tag household expenses by payment instrument. · 4-page PDF · v6.26.1
How to read this document
Sections move from purpose → concepts → calculation process → worked examples → edge cases. Formula boxes use plain mathematical notation for clarity; they are conceptual summaries, not API contracts.
- Point lists call out operator-visible behaviour.
- Callouts mark warnings, limitations, or important qualifications.
- Worked examples use round numbers so you can reproduce the arithmetic by hand.
Purpose
My Cards provides organizational references for expense attribution; it is not a card account or payment processor.
- Identify the instrument used
- Filter associated expenses
- Keep sensitive data minimal
Safe card references
- Use a nickname and non-sensitive identifying hint.
- Do not store a full card number, CVV, PIN, or online-banking secret in notes.
- Keep issuer and ownership context current.
- Card network (Visa, Mastercard, Amex, Discover, Diners, Maestro, UnionPay) is optional and defaults to none; it only prints the scheme logo on the card face.
Linking expenses
Associating an expense with a card changes card-scoped reporting, not the expense amount or bank statement.
Card-scoped spend
Σ matching included expense reporting amounts
Review workflow
Reconcile a card
- Select the card and statement period.
- Compare linked expenses to the statement.
- Find missing or duplicate rows.
- Correct links at source.
AccountHouse activity aligns with the intended records.
Replace, archive, or remove
Archive or update references when a card changes. Removing a reference should be considered in relation to linked history.
Operational limits
No bank connection implied
A card reference does not prove authorization, available credit, settlement, ownership, or live issuer data.
Privacy, advice limits, and what we do not publish
AccountHouse is a household tracking and organisation tool. It is not a bank, payment processor, tax advisor, or investment advisor. Forecasts, health scores, balances, and alerts are informational.
- Household data is scoped to your household; other families cannot see your ledger.
- Public documentation explains product behaviour and calculation concepts, not proprietary internals.
- Exact scoring weights, anomaly thresholds, cryptography parameters beyond high-level algorithms, and operational detection rules are reserved.
- Never enter authentication secrets or complete payment-card credentials.
Intellectual property boundary
This document describes what AccountHouse calculates and which inputs matter. It does not disclose source algorithms, secret constants, or implementation details sufficient to reconstruct proprietary systems.