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<?php |
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declare(strict_types=1); |
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namespace Application\Service; |
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use Application\Model\Account; |
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use Application\Model\Transaction; |
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use Application\Model\TransactionLine; |
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use Application\Model\User; |
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use Application\Repository\AccountRepository; |
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use Application\Repository\TransactionLineRepository; |
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use Application\Repository\UserRepository; |
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use Cake\Chronos\Chronos; |
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use Ecodev\Felix\Api\Exception; |
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use Ecodev\Felix\Service\Bvr; |
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use Genkgo\Camt\Camt054\MessageFormat\V02; |
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use Genkgo\Camt\Camt054\MessageFormat\V04; |
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use Genkgo\Camt\Camt054\MessageFormat\V08; |
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use Genkgo\Camt\Config; |
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use Genkgo\Camt\DTO\Address; |
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use Genkgo\Camt\DTO\Entry; |
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use Genkgo\Camt\DTO\EntryTransactionDetail; |
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use Genkgo\Camt\DTO\Message; |
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use Genkgo\Camt\DTO\Record; |
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use Genkgo\Camt\DTO\RelatedPartyTypeInterface; |
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use Genkgo\Camt\Exception\ReaderException; |
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use Genkgo\Camt\Reader; |
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/** |
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* This service allows to import a CAMT file as Transaction and TransactionLine. |
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* |
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* @see https://www.six-group.com/interbank-clearing/dam/downloads/en/standardization/iso/swiss-recommendations/archives/implementation-guidelines-cm/standardization_isopayments_iso_20022_ch_implementation_guidelines_camt.pdf |
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*/ |
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class Importer |
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{ |
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private Message $message; |
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/** |
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* @var Transaction[] |
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*/ |
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private array $transactions = []; |
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private Account $bankAccount; |
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private readonly AccountRepository $accountRepository; |
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private readonly UserRepository $userRepository; |
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private readonly TransactionLineRepository $transactionLineRepository; |
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public function __construct() |
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{ |
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$this->accountRepository = _em()->getRepository(Account::class); |
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$this->userRepository = _em()->getRepository(User::class); |
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$this->transactionLineRepository = _em()->getRepository(TransactionLine::class); |
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} |
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/** |
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* Import all transactions from a CAMT file. |
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* |
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* @return Transaction[] |
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*/ |
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public function import(string $file): array |
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{ |
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$this->transactions = []; |
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$reader = new Reader(Config::getDefault()); |
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try { |
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$this->message = $reader->readFile($file); |
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} catch (ReaderException $exception) { |
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throw new Exception($exception->getMessage(), 0, $exception); |
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} |
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$this->validateFormat($reader); |
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$this->userRepository->getAclFilter()->runWithoutAcl(function (): void { |
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$records = $this->message->getRecords(); |
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foreach ($records as $record) { |
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$this->bankAccount = $this->loadAccount($record); |
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foreach ($record->getEntries() as $entry) { |
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$this->importTransaction($entry); |
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} |
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} |
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}); |
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return $this->transactions; |
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} |
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private function validateFormat(Reader $reader): void |
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{ |
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$messageFormat = $reader->getMessageFormat(); |
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if (!$messageFormat) { |
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// This should actually never happen, because the reader would throw an exception before here |
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throw new Exception('Unknown XML format'); |
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} |
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$expected = [ |
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V02::class, |
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V04::class, |
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V08::class, |
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]; |
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if (!in_array($messageFormat::class, $expected, true)) { |
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throw new Exception('The format CAMT 054 is expected, but instead we got: ' . $messageFormat->getMsgId()); |
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} |
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} |
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private function importTransaction(Entry $entry): void |
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{ |
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$nativeDate = $entry->getValueDate(); |
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$date = new Chronos($nativeDate); |
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$transaction = new Transaction(); |
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$transaction->setName('Versement BVR'); |
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$transaction->setTransactionDate($date); |
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$internalRemarks = []; |
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$mustUseSuffix = $this->mustUseSuffix($entry->getTransactionDetails()); |
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foreach ($entry->getTransactionDetails() as $i => $detail) { |
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$suffix = $mustUseSuffix ? '-epicerio-' . ($i + 1) : ''; |
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$internalRemarks[] = $this->importTransactionLine($transaction, $detail, $suffix); |
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} |
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$transaction->setInternalRemarks(implode(PHP_EOL . PHP_EOL, $internalRemarks)); |
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// Don't persist transaction that may not have any lines |
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$transactionLines = $transaction->getTransactionLines(); |
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if ($transactionLines->count()) { |
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// Use same owner for line and transaction |
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$transaction->setOwner($transactionLines->first()->getOwner()); |
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_em()->persist($transaction); |
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$this->transactions[] = $transaction; |
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} |
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} |
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private function importTransactionLine(Transaction $transaction, EntryTransactionDetail $detail, string $suffix): string |
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{ |
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$importedId = $this->getImportedId($detail, $suffix); |
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$transactionDate = $transaction->getTransactionDate(); |
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if ($this->transactionLineRepository->importedExists($importedId, $transactionDate)) { |
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return ''; |
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} |
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$referenceNumber = $detail->getRemittanceInformation()->getStructuredBlock()->getCreditorReferenceInformation()->getRef(); |
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$user = $this->loadUser($referenceNumber); |
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$userAccount = $this->accountRepository->getOrCreate($user); |
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$remarks = $this->getRemarks($detail, $referenceNumber); |
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$amount = $detail->getAmount(); |
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$line = new TransactionLine(); |
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$line->setTransaction($transaction); |
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$line->setOwner($user); |
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$line->setName('Versement BVR'); |
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$line->setTransactionDate($transactionDate); |
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$line->setBalance($amount); |
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$line->setCredit($userAccount); |
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$line->setDebit($this->bankAccount); |
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$line->setImportedId($importedId); |
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_em()->persist($line); |
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return $remarks; |
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} |
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private function partyToString(RelatedPartyTypeInterface $party): string |
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{ |
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$parts = []; |
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$parts[] = $this->partyLabel($party); |
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$parts[] = $party->getName(); |
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$address = $party->getAddress(); |
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if ($address) { |
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$parts[] = $this->addressToString($address); |
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} |
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return implode(PHP_EOL, $parts); |
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} |
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private function partyLabel(RelatedPartyTypeInterface $party): string |
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{ |
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$class = $party::class; |
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return match ($class) { |
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\Genkgo\Camt\DTO\Recipient::class => 'Récipient', |
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\Genkgo\Camt\DTO\Debtor::class => 'Débiteur', |
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\Genkgo\Camt\DTO\Creditor::class => 'Créancier', |
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\Genkgo\Camt\DTO\UltimateDebtor::class => 'Débiteur final', |
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\Genkgo\Camt\DTO\UltimateCreditor::class => 'Créancier final', |
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default => throw new Exception('Non supported related party type: ' . $class), |
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}; |
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} |
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private function addressToString(Address $a): string |
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{ |
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$lines = []; |
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$lines[] = trim($a->getStreetName() . ' ' . $a->getBuildingNumber()); |
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$lines[] = trim($a->getPostCode() . ' ' . $a->getTownName()); |
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$lines[] = $a->getCountry(); |
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$lines = array_merge($lines, $a->getAddressLines()); |
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$nonEmptyLines = array_filter($lines); |
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return implode(PHP_EOL, $nonEmptyLines); |
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} |
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private function getRemarks(EntryTransactionDetail $detail, string $referenceNumber): string |
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{ |
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$parts = []; |
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$parts[] = 'Numéro de référence: ' . $referenceNumber; |
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foreach ($detail->getRelatedParties() as $party) { |
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$partyDetail = $party->getRelatedPartyType(); |
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$parts[] = $this->partyToString($partyDetail); |
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} |
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$remarks = implode(PHP_EOL . PHP_EOL, $parts); |
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return $remarks; |
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} |
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private function loadAccount(Record $record): Account |
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{ |
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$accountFromFile = $record->getAccount(); |
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$iban = $accountFromFile->getIdentification(); |
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$account = $this->accountRepository->findOneByIban($iban); |
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if (!$account) { |
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throw new Exception('The CAMT file contains a statement for account with IBAN `' . $iban . '`, but no account exist for that IBAN in the database. Either create/update a corresponding account, or import a different CAMT file.'); |
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} |
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return $account; |
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} |
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private function loadUser(string $referenceNumber): User |
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{ |
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$userId = (int) Bvr::extractCustomId($referenceNumber); |
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$user = $this->userRepository->getOneById($userId); |
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if (!$user) { |
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throw new Exception('Could not find a matching user for reference number `' . $referenceNumber . '` and user ID `' . $userId . '`.'); |
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} |
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return $user; |
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} |
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/** |
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* This must return a non-empty universally unique identifier for one detail. |
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*/ |
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private function getImportedId(EntryTransactionDetail $detail, string $suffix): string |
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{ |
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$reference = $detail->getReference(); |
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$endToEndId = $reference?->getUuidEndToEndReference(); |
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if (!$endToEndId) { |
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$endToEndId = $reference?->getEndToEndId(); |
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if ($endToEndId === 'NOTPROVIDED') { |
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$endToEndId = null; |
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} |
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} |
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if (!$endToEndId) { |
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$accountServicerReference = $reference?->getAccountServicerReference(); |
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if ($accountServicerReference) { |
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$endToEndId = $accountServicerReference . $suffix; |
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} |
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} |
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if (!$endToEndId) { |
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$endToEndId = $reference?->getMessageId(); |
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} |
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if (!$endToEndId) { |
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throw new Exception('Cannot import a transaction without unique universal identifier (<UETR>, <EndToEndId>, <AcctSvcrRef> or <MsgId>).'); |
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} |
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return $endToEndId; |
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} |
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/** |
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* If at least two details have the same AccountServicerReference, then we must use suffix. |
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* |
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* @param EntryTransactionDetail[] $transactionDetails |
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*/ |
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private function mustUseSuffix(array $transactionDetails): bool |
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{ |
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if (count($transactionDetails) <= 1) { |
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return false; |
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} |
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$seenValues = []; |
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foreach ($transactionDetails as $transactionDetail) { |
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$value = $transactionDetail->getReference()?->getAccountServicerReference(); |
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if (!$value) { |
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continue; |
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} |
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if (in_array($value, $seenValues, true)) { |
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return true; |
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} |
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$seenValues[] = $value; |
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} |
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return false; |
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} |
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} |
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