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<?php |
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declare(strict_types=1); |
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namespace SKien\Sepa; |
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/** |
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* This class represents the SCL directory provided by the 'Deutsche Bundesbank'. |
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* |
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* The SCL directory contains all business identifier codes (BICs) that can be reached |
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* within the SEPA payment area. |
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* (https://www.bundesbank.de/en/tasks/payment-systems/rps/sepa-clearer/scl-directory/scl-directory-626672) |
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* |
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* With this class, the data made available as a CSV file can be loaded from the |
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* Internet and saved in a XML file on the own server. The XML file contains |
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* a timestamp of the latest download that can be retrieved - so its on the user to |
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* decide, in which timespan he will update the informations. Optionally, this update |
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* process can be automated by specifying a time period. |
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* |
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* The clas contains functionality to: |
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* - check, if a given BIC is valid |
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* - get the service provider name (bankname) to a given BIC |
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* - get a list of the payment service providers (all or filtered by country) |
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* |
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* @package Sepa |
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* @author Stefanius <[email protected]> |
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* @copyright MIT License - see the LICENSE file for details |
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*/ |
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class SclDirectory |
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{ |
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/** the url where the scl directory can be accessed */ |
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protected const DATA_PROVIDER_URL = 'https://www.bundesbank.de/scl-directory'; |
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/** the data file */ |
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protected const DATAFILE = 'scl-directory.xml'; |
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/** @var string path to the data file */ |
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protected string $strDataPath = ''; |
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/** @var \DOMDocument */ |
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protected ?\DOMDocument $oDoc = null; |
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/** @var string last error */ |
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protected string $strLastError; |
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/** @var integer unix timestamp of last data update */ |
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protected int $uxtsLastUpdated = 0; |
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/** |
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* Create SCL directory. |
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* @param string $strDataPath path to the XML data file |
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*/ |
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public function __construct(string $strDataPath = '') |
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{ |
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$this->strDataPath = rtrim($strDataPath, DIRECTORY_SEPARATOR); |
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} |
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/** |
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* Init the object. |
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* If the XML data file already exist, it is checked if writable. |
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* If not, the datapath is checked if writable |
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* @return bool false, if any error occur |
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*/ |
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public function init() : bool |
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{ |
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$this->strLastError = ''; |
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$strXMLName = self::DATAFILE; |
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if (strlen($this->strDataPath) > 0) { |
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$strXMLName = $this->strDataPath . DIRECTORY_SEPARATOR . self::DATAFILE; |
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} |
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if (file_exists($strXMLName)) { |
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if (!is_writable($strXMLName)) { |
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$this->strLastError .= 'readonly data file ' . $strXMLName . '!'; |
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} else { |
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$this->oDoc = new \DOMDocument(); |
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$this->oDoc->load($strXMLName); |
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} |
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} else { |
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$strPath = realpath($this->strDataPath); |
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if ($strPath === false || !is_writable($strPath)) { |
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$this->strLastError .= ' (no rights to write on directory ' . $strPath . ')'; |
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} |
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} |
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return (strlen($this->strLastError) == 0); |
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} |
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/** |
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* Get the date the data has been updated last. |
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* @return int date as unix timestamp |
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*/ |
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public function lastUpdated() : int |
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{ |
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$uxtsLastUpdated = 0; |
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if ($this->oDoc !== null && $this->oDoc->documentElement !== null) { |
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$strDate = $this->oDoc->documentElement->getAttribute('created'); |
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if (strlen($strDate) > 0) { |
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$uxtsLastUpdated = strtotime($strDate); |
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} |
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} |
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return intval($uxtsLastUpdated); |
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} |
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/** |
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* Check, if the requested BIC exists. |
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* @param string $strBIC |
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* @return bool |
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*/ |
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public function isValidBIC(string $strBIC) : bool |
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{ |
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return ($this->getProviderNode($strBIC) !== null); |
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} |
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/** |
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* Get the name of the provider to the given BIC. |
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* Since the provider names in the supported directory all in uppercase, this |
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* can be converted to upper case words by setting the `$bToUCWords`parameter to true. |
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* @param string $strBIC BIC to get the name for |
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* @param bool $bToUCWords convert the provider names to Uppercase Words |
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* @return string name or empty string, if not exist |
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*/ |
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public function getNameFromBIC(string $strBIC, bool $bToUCWords = false) : string |
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{ |
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$strName = ''; |
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$oNode = $this->getProviderNode($strBIC); |
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if ($oNode !== null) { |
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$strName = ($bToUCWords ? $this->convToUCWords($oNode->nodeValue ?? '') : $oNode->nodeValue ?? ''); |
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} |
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return $strName; |
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} |
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/** |
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* Get the list of provider names. |
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* Since the provider names in the supported directory all in uppercase, this |
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* can be converted to upper case words by setting the `$bToUCWords`parameter to true. |
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* @param string $strCC country code the list should be generated for (leave empty for full list) |
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* @param bool $bToUCWords convert the provider names to Uppercase Words |
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* @return array<string,string> |
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*/ |
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public function getProviderList(string $strCC = '', bool $bToUCWords = false) : array |
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{ |
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$aList = []; |
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if ($this->oDoc !== null) { |
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$oXPath = new \DOMXPath($this->oDoc); |
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if (strlen($strCC) > 0) { |
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$oNodelist = $oXPath->query("//Provider[@CC='" . $strCC . "']"); |
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} else { |
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$oNodelist = $oXPath->query("//Provider"); |
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} |
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if ($oNodelist !== false) { |
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foreach ($oNodelist as $oNode) { |
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if ($oNode instanceof \DOMElement && $oNode->hasAttribute('BIC')) { |
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$aList[$oNode->getAttribute('BIC')] = ($bToUCWords ? $this->convToUCWords($oNode->nodeValue ?? '') : $oNode->nodeValue ?? ''); |
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} |
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} |
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} |
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} |
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return $aList; |
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} |
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/** |
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* Load the actual list from the internet. |
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* Since downloading and saving the data takes a certain amount of time and this |
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* list does not change constantly, an interval can be specified so that the data |
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* only is downloaded again after it has expired. |
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* The intervall can be specified as integer in seconds (according to a unix timestamp) |
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* or as string representing any `dateinterval´. |
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* > recommended values are 1..4 weeks (e.g. `'P2W'` for 2 weeks). |
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* @link https://www.php.net/manual/dateinterval.construct.php |
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* @param int|string|null $interval |
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* @return bool |
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*/ |
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public function loadFromInternet($interval = null) : bool |
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{ |
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try { |
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if (!$this->hasIntervalExpired($interval)) { |
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return true; |
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} |
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} catch (\Exception $e) { |
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$this->strLastError = $e->__toString(); |
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return false; |
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} |
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$this->oDoc = new \DOMDocument('1.0', 'UTF-8'); |
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$this->oDoc->formatOutput = true; |
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$this->oDoc->preserveWhiteSpace = false; |
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$xmlRoot = $this->oDoc->createElement("SCL-Directory"); |
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$xmlRoot->setAttribute('created', date('Y-m-d H:i:s')); |
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$this->oDoc->appendChild($xmlRoot); |
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$xmlBase = $this->oDoc->createElement('Providers'); |
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$xmlRoot->appendChild($xmlBase); |
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// cURL |
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$curl = curl_init(); |
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curl_setopt_array($curl, [ |
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CURLOPT_URL => self::DATA_PROVIDER_URL, |
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CURLOPT_HTTPHEADER => ['User-Agent: cURL'], |
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CURLOPT_FOLLOWLOCATION => true, |
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CURLOPT_RETURNTRANSFER => true, |
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]); |
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$strResponse = curl_exec($curl); |
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if (is_bool($strResponse)) { |
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$this->strLastError = 'cURL-Error: ' . curl_error($curl); |
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curl_close($curl); |
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return false; |
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} |
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curl_close($curl); |
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$fp = fopen('data://text/plain,' . $strResponse, 'r'); |
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$aCountry = []; |
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if ($fp !== false) { |
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$iRow = 0; |
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while (($row = fgetcsv($fp, 1000, ';')) !== false) { |
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// first line contains 'valid from xx.xx.xxxx'; second the colheader |
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if ($iRow > 1 && is_array($row) && count($row) > 1) { |
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$strBIC = trim($row[0]); |
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$strCC = substr($strBIC, 4, 2); |
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// $strName = ucwords(strtolower(trim($row[1]))); |
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$strName = trim($row[1]); |
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$strName = utf8_encode($strName); |
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$strName = htmlspecialchars($strName); |
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$xmlRow = $this->oDoc->createElement('Provider', $strName); |
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$xmlRow->setAttribute('CC', $strCC); |
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$xmlRow->setAttribute('BIC', $strBIC); |
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$xmlBase->appendChild($xmlRow); |
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isset($aCountry[$strCC]) ? $aCountry[$strCC] = $aCountry[$strCC] + 1 : $aCountry[$strCC] = 1; |
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} |
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$iRow++; |
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} |
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} |
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ksort($aCountry); |
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$xmlBase = $this->oDoc->createElement('Countries'); |
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$xmlRoot->appendChild($xmlBase); |
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foreach ($aCountry as $strCC => $iCount) { |
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$xmlRow = $this->oDoc->createElement('Country', (string)$iCount); |
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$xmlRow->setAttribute('CC', $strCC); |
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$xmlBase->appendChild($xmlRow); |
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} |
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$strXMLName = self::DATAFILE; |
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if (strlen($this->strDataPath) > 0) { |
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$strXMLName = $this->strDataPath . DIRECTORY_SEPARATOR . self::DATAFILE; |
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} |
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$this->oDoc->save($strXMLName); |
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return true; |
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} |
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/** |
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* Return last error occured. |
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* @return string |
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*/ |
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public function getError() : string |
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{ |
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return $this->strLastError; |
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} |
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/** |
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* Search for the node to the given BIC. |
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* If the requested BIC ends with 'XXX' and does'n exist, we're lookin |
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* for an entry without trailing 'XXX'. |
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* @param string $strBIC |
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* @return \DOMNode |
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*/ |
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protected function getProviderNode(string $strBIC) : ?\DOMNode |
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{ |
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$oNode = null; |
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if ($this->oDoc !== null) { |
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$oXPath = new \DOMXPath($this->oDoc); |
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$oNodelist = $oXPath->query("//Provider[@BIC='" . $strBIC . "']"); |
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if (($oNodelist === false || $oNodelist->length === 0) && strlen($strBIC) == 11 && substr($strBIC, 8, 3) == 'XXX') { |
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$strBIC = substr($strBIC, 0, 8); |
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$oNodelist = $oXPath->query("//Provider[@BIC='" . $strBIC . "']"); |
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} |
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if ($oNodelist !== false && $oNodelist->length > 0) { |
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$oNode = $oNodelist[0]; |
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} |
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} |
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return $oNode; |
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} |
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/** |
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* Check, if the intervall has expired since last download. |
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* The intervall can be specified as integer in seconds (according to a unix timestamp) |
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* or as string representing any `dateinterval´. |
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* > recommended values are 1..4 weeks (e.g. `'P2W'` for 2 weeks). |
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* @param int|string|null $interval |
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* @return bool |
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* @throws \Exception if $interval cannot be parsed in the \DateInterval constructor |
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*/ |
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protected function hasIntervalExpired($interval = null) : bool |
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{ |
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if ($interval === null) { |
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return true; |
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} |
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$uxtsLastUpdate = $this->lastUpdated(); |
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if ($uxtsLastUpdate == 0) { |
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return true; |
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} |
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if (is_numeric($interval)) { |
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// inteval is a timespan in seconds... |
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return $uxtsLastUpdate + $interval < time(); |
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} else { |
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$di = new \DateInterval($interval); |
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$dtLastUpdate = new \DateTime(); |
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$dtLastUpdate->setTimestamp($uxtsLastUpdate); |
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$dtLastUpdate->add($di); |
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return $dtLastUpdate->getTimestamp() < time(); |
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} |
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} |
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/** |
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* Convert to uppercase words. |
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* Some exceptions are converted to lowercase, some to uppercase and some |
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* will be replaced by special case... |
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* @param string $strText |
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* @return string |
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*/ |
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protected function convToUCWords(string $strText) |
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{ |
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$aDelimiters = [" ", "-", ".", "'"]; |
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// we use associative array because the 'isset' call works faster than the 'in_array' call |
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// (And we expect a lot of calls or loops when using the getProviderList function...) |
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$aToLower = ["a" => 1, "ab" => 1, "de" => 1, "der" => 1, "di" => 1, "do" => 1, "du" => 1, "et" => 1, "for" => 1, "im" => 1, "of" => 1, "on" => 1, "plc" => 1, "s" => 1, "und" => 1, "van" => 1, "von" => 1]; |
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$aToUpper = ["ABC" => 1, "AG" => 1, "BCP" => 1, "BGL" => 1, "BHF" => 1, "BKS" => 1, "BLG" => 1, "BNP" => 1, "CIB" => 1, "GB" => 1, "HSBC" => 1, "KG" => 1, "LGT" => 1, "NV" => 1, "SA" => 1, "UK" => 1, "VR" => 1]; |
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$aReplacement = ['eg' => 'eG', 'gmbh' => 'GmbH']; |
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/* |
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* Exceptions in lower case are words you don't want converted |
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* Exceptions all in upper case are any words you don't want converted to title case |
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* but should be converted to upper case, e.g.: |
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* king henry viii or king henry Viii should be King Henry VIII |
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*/ |
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$strText = strtolower($strText); |
332
|
|
|
foreach ($aDelimiters as $delimiter) { |
333
|
|
|
$aWords = explode($delimiter, $strText); |
334
|
|
|
$aNewWords = []; |
335
|
|
|
foreach ($aWords as $strWord) { |
336
|
|
|
if (isset($aReplacement[$strWord])) { |
337
|
|
|
// check replacements |
338
|
|
|
$strWord = $aReplacement[$strWord]; |
339
|
|
|
} elseif (isset($aToUpper[strtoupper($strWord)])) { // (in_array(strtoupper($strWord), $aToUpper)) { |
340
|
|
|
// check list for any words that should be in upper case |
341
|
|
|
$strWord = strtoupper($strWord); |
342
|
|
|
} elseif (!isset($aToLower[$strWord])) { // (!in_array($strWord, $aToLower)) { |
343
|
|
|
// convert to UCFirst |
344
|
|
|
$strWord = ucfirst($strWord); |
345
|
|
|
} |
346
|
|
|
$aNewWords[] = $strWord; |
347
|
|
|
} |
348
|
|
|
$strText = join($delimiter, $aNewWords); |
349
|
|
|
}//foreach |
350
|
|
|
return $strText; |
351
|
|
|
} |
352
|
|
|
} |