Same words, different accounts

Every square is one entry, in date order (April to October). The number under it is the amount in thousands. The colour and letter show the loan ledger it has.

The right answer (from the party’s Miracle books):

Today’s rule: when you choose a ledger for one entry, the app copies it to every entry with the same words. When you then change one of the copies, the app changes all the copies again.

In total: 7 actions. The app changed entries 42 times, 23 of them to a wrong loan. The user had to correct 8 of the 12 copies by hand.

This is the second half of your idea. Next month a new statement brings a new WITHDRAWAL TRANSFER of ₹55,000. Which loan should the app suggest?

Test: Miracle books of 10 companies, each entry checked against earlier entries with the same words. This is a simple model of the matcher; the full replay test must pass before it ships.

A fix must also work for normal payees, which almost always go to one ledger. Test: the Miracle books of 10 companies, 391 entries in 81 groups of entries with the same words. Only 3 of the 81 groups go to more than one ledger.

ledgers you choose (search and pick)   suggestions you accept with Enter   red = wrong ledgers left behind you

Option 2 for the statement you are working on, plus your idea for next month.

• Now: your first choice still covers all entries with the same words, because that is right for almost every payee. When you change one copy, the app knows these entries go to more than one account. From then on, the amount decides, as you suggested. No more chain reaction.
• Next month: the app treats “same words + same amount” as strong evidence (your weightage). It then suggests Loan A for ₹43,100 and Loan B for ₹55,000 by itself.
• Here you choose 3 times, once per loan. On other parties nothing changes, and there are no extra Enter presses.

Your idea on its own (option 1) is just as safe. But on normal payees every entry with a different amount waits for an Enter: 184 extra presses in the test.