🛡️💸 PayVault.ai - Your Smart Secure and Intelligent Payment Locker

Submission for Amazon HackOn Hackathon 2025

---

📚 Table of Contents

• Problem Statement
• Our Solution
• Feature Breakdown
• How It Works
• Why PayVault.ai Matters
• Live Link
• Tech Stack
• Folder Structure
• Set Up Instruction
• Contributing
• Future Enhancements
• In Short
• Contributors

---

📌 Problem Statement

In today’s fast-paced digital economy, individuals and businesses face chaos managing their payments, invoices, EMIs, and taxes scattered across various platforms - from banking apps and email inboxes to SMS and PDFs. Connectivity issues, missed reminders, and fragmented workflows lead to payment failures, financial mismanagement, and late fees.

---

🚀 Our Solution: PayVault.ai

PayVault.ai is a secure, intelligent, all-in-one web-based finance vault that empowers users to manage their entire payment ecosystem in one place.

Think of it as a DigiLocker, but reimagined - not just for storing documents, but for actively managing and automating financial operations such as payments, invoices, taxes, EMIs, and bills with advanced intelligence, real-time sync, and smart alerts.

💡 What's Unique?

PayVault.ai introduces a Smart Payment System powered by our innovative SafePay Engine - a game-changer in handling real-world connectivity issues.

🔐 SafePay Engine – Smart & Reliable Offline Payment Handling

One of the biggest challenges in digital payments is the reliability of internet connectivity. Our SafePay Engine ensures users never miss a payment, even when offline:

• 🌐 When a user initiates a payment and there's no internet, the Smart Payment System safely queues the payment in an encrypted format.
• 🔁 Once internet connectivity is restored, the system automatically processes the queued payment — no user intervention required.
• 📄 It also works with uploaded documents, allowing the system to auto-schedule and process bill payments based on invoice metadata (like due date and amount).
• 🔔 In case of delays or retries, the system notifies users and logs all payment attempts transparently.

This feature ensures maximum reliability, particularly in areas with poor network coverage, and significantly reduces failed transactions, missed due dates, and late payment penalties.

---

By combining centralized finance management with automated syncing, real-time insights, and a fail-safe smart payment engine, PayVault.ai helps users take complete control of their financial operations - securely, intelligently, and seamlessly.

🔍 Feature Breakdown

✅ Unified Financial Dashboard

• Visualizes all transactions in one place - from invoices to vendor payments.
• Categorizes transactions by:
  • Vendors (e.g., Amazon, Swiggy, Paytm)
  • Categories like Food, Travel, Utilities, Shopping, etc.
  • Month-wise expenditure trends
• Tracks success/failure rates, pending bills, and upcoming payments.

🔁 SafePay Engine (Smart Payment System)

• Handles payments securely, even when offline.
• Ensures uninterrupted financial transactions via queuing + auto-retry.
• Enables document-based autopay with scheduled triggers.

🔄 Auto-Sync from Gmail & SMS

• Integrates with:
  • Gmail API: Fetches invoice PDFs, utility bills, etc.
  • SMS Parser: Extracts transaction metadata from OTPs and alerts.
• Enables zero-manual-entry payment tracking and syncs future bills as they arrive.

📄 Document Upload + AI Insights

• Upload PDFs/images of bills, tax slips, and EMI notices.
• Our AI engine automatically extracts:
  • Vendor
  • Amount
  • Due Date
  • Category
• Suggests actions, such as setting reminders or enabling autopay.

📤 Exportable Reports

• View and export transactions based on:
  • Date ranges
  • Vendor
  • Category
  • Payment status
• Download custom reports in PDF format for record-keeping or audits.

📊 Insights & Urgent Bill Alerts

• Flags high-priority bills nearing due dates.
• Shows spend trends by month and category.
• Gives a quick overview of pending actions (e.g., unpaid EMIs, tax filings).

🧭 UX Enhancements & Security

• Pagination: Clean display with 15 records per page.
• Responsive UI: Fully mobile-compatible interface.
• Notifications: Real-time alerts for critical actions and payments.
• Security-First: OAuth2 for Gmail login, AES encryption for offline payment queues, and role-based data isolation.

🧠 How It Works

Here's a step-by-step flow of how PayVault.ai operates behind the scenes:

1. 🔐 User Authentication

   • Users securely log in using OAuth (e.g., Google) to ensure trusted access and enable sync with Gmail.

2. 📤 Document Upload or Auto-Fetch

   • Users can upload PDFs, bills, or invoices manually.
   • Alternatively, PayVault.ai can auto-fetch payment-related documents from SMS alerts and Gmail inbox (using APIs).

3. 🧠 AI-Powered Metadata Extraction

   • The system scans uploaded/fetched documents to extract key information such as:
     • 💳 Payment Amount
     • 🏷️ Vendor Name
     • 🗓️ Due Date
     • 🧾 Bill Type (EMI, tax, utility, etc.)

4. 🔁 Payment Scheduling & SafePay Execution

   • Users can trigger payments directly or schedule them based on due dates.
   • If internet connectivity is lost:
     • ✅ The SafePay Engine queues the payment securely.
     • 🌐 Once online, it automatically processes the pending payment — no user input needed.

5. 🔄 Auto-Sync of New Bills

   • The system periodically pulls new bills and invoices from Gmail and SMS in the background.
   • Extracted payments are automatically added to the dashboard with relevant metadata.

6. 📊 Smart Dashboard & Visual Insights

   • All transactions and documents are displayed in an interactive dashboard.
   • Users can filter and classify by:
     • Vendor
     • Category (e.g., Food, Travel, Utilities)
     • Status (Paid, Unpaid, Failed)
   • 🔔 Urgent bills are flagged, and monthly spending trends are visualized with charts.

7. 📄 Reports & Exports

   • Users can export filtered data into PDF reports for personal records or tax purposes.
   • Pagination ensures smooth browsing even with large data volumes.

---

🎯 Why PayVault.ai Matters

• 🔐 Centralizes your financial ecosystem
• 📲 Works even when internet is offline
• 📬 Syncs from Gmail/SMS — no manual input
• 📊 Shows insights, not just data
• 💡 Helps users never miss a payment again

🔗 Live Link

PayVault.ai

---

🎥 Demo Video

[ updating soon]

---

---

🧰 Tech Stack

Layer	Tools & Frameworks
🌐 Frontend	Next.js, TypeScript, Tailwind CSS
🔧 Backend	Node.js, Express.js, TypeScript
🧠 Offline Engine	IndexedDB (for SafePay queuing), AES Encryption (secure local storage & sync)
☁️ Database	MongoDB
💳 Payment APIs	Razorpay
📬 Email Sync	Gmail API (for invoice fetching), OAuth2 (for secure access)
📤 File Storage	Cloudinary (upload & access of invoice documents, bills, etc.)
🐳 DevOps	Docker
🧪 Testing & Tools	Postman

---

🗂️ Project Folder Structure

payvault.ai/
├── payvault.frontend/
│   ├── public/          
│   ├── src/
│   │   ├── app/                            
│   │   │   ├── layout.tsx                
│   │   │   ├── page.tsx                     # Landing page
│   │   │   ├── dashboard/                   # Authenticated user dashboard
│   │   │   │   ├── layout.tsx         
│   │   │   │   ├── page.tsx                 # Dashboard overview
│   │   │   │   ├── payments/                # Initiate/view/queue payments
│   │   │   │   │   └── page.tsx
│   │   │   │   ├── past-transactions/       # View historical transactions
│   │   │   │   │   └── page.tsx
│   │   │   │   ├── analyze-bills/            # AI document understanding
│   │   │   │   │   └── page.tsx
│   │   │   │   ├── bills/                   # Uploaded bills management
│   │   │   │   │   ├── page.tsx             # List all bills
│   │   │   │   │   └── [id]/                # View specific bill detail
│   │   │   │   │       └── page.tsx
│   │   │   │   ├── upcoming-bills/         # Track upcoming due payments
│   │   │   │   │   └── page.tsx
│   │   │   │   ├── notifications/          # Bill alerts & reminders
│   │   │   │   │   └── page.tsx
│   │   │   │   ├── analytics/              # Charts, spending stats
│   │   │   │   │   └── page.tsx
│   ├── components/                   
│   │   ├── ui/                            
│   │   ├── layout/                       
│   │   └── charts/                      
│   ├── utils/                                                       
│
├── .env                                                  
├── next.config.js                          
├── tailwind.config.ts                     
└── tsconfig.json          

├── payvault.backend/
│   ├── src/
│   │   ├── controllers/
│   │   ├── models/
│   │   ├── routes/
│   │   ├── middlewares/
│   │   ├── services/
│   │   └── utils/
│   ├── .env
│   ├── tsconfig.json
│   └── server.ts

├── payvault.flask/
│   ├── app/
│   ├── requirements.txt
│   ├── main.py
│   └── .env
├── README.md

🔧 Setup Instructions

1. Clone the Repository

   git clone https://github.com/AashishKumarSingh1/PayVault.ai.git
   cd payvault.ai

2. Build and Run the Docker Containers

docker-compose-up --build

3. Open the Application in your Browser Visit: http:localhost:3000

Contributing

We welcome contributors! To contribute:

1. Fork this repository
2. Create a new branch(bash git checkout -b feature/your-feature )
3. Make your changes
4. Push your branch(bash git push origin feature/your-feature )
5. Create a pull request

Future Enhancements

• Biometric/2FA login integration
• Mobile App version (React Native or Flutter)
• WhatsApp & Telegram bot notifications
• More API integrations (bank sync, tax filing APIs)

In Short

PayVault.ai isn't just a payment tracker - it’s a smart digital assistant that understands your financial flow, works when the internet doesn't, and automates repetitive financial tasks. It ensures that:

• You stay on top of bills, invoices, and payments
• No transaction is missed due to connectivity issues
• Your documents, reminders, and reports are all in one place

This is financial management for the real world - resilient, intelligent, and automated.

Contributors