Bankdaten-Agent

<?php

use EnneoSDK\Api;
use EnneoSDK\Helpers;
use EnneoSDK\IntentInfo;
use EnneoSDK\IntentOption;
use EnneoSDK\Interaction;

require(getenv()['SDK'] ?? 'sdk.php');
/** @var stdClass $in */

######### Expected Input:
// date -> Date for deposit change (optional)
// channel -> ticket channel. Voice and chat can be handled synchronously (required)
// newIBAN -> IBAN of the new bank account (required)
// oldIBAN -> IBAN of the old bank account (optional)
// payoutOnly -> true if only payout should be changed (optional)


// Initialize variables
if ($in->date ?? false) {
    $in->date = Helpers::parseDateToYMD($in->date);
} else {
    $in->date = date('Y-m-d', strtotime('+1 day'));
}
$interaction = new Interaction(data: $in);
$interaction->data->oldIBAN = formatIban($in->oldIBAN ?: "");
$interaction->data->newIBAN = formatIban($in->newIBAN ?: "");

// Handle actual change of bank data in the backend system
if ($in->_action == 'enter_into_system') {
    $response = Api::call(
        method: 'POST',
        url: 'https://echo.enneo.ai',
        params: json_decode(json_encode($interaction), true)
    );
    echo json_encode($interaction);
    exit();
}

// Business logic
if ($in->oldIBAN == $in->newIBAN && $in->newIBAN) {
    $interaction->infos[] = new IntentInfo(
        type: 'warning',
        message: 'IBAN ist schon im System',
    );
    $interaction->options[] = new IntentOption(
        type: 'iban_already_in_system',
        name: 'Kunden darauf hinweisen',
        recommended: true,
    );
} elseif (!validateIbanFormatting($in->newIBAN)) {
    $interaction->infos[] = new IntentInfo(
        type: 'warning',
        message: 'IBAN nicht im korrekten Format',
    );
    $interaction->options[] = new IntentOption(
        type: 'ask_for_verification_iban_invalid_format',
        name: 'Kunden darauf hinweisen',
        recommended: true,
    );
} elseif (!validateIbanChecksum($in->newIBAN)) {
    $interaction->infos[] = new IntentInfo(
        type: 'warning',
        message: 'IBAN-Prüfsumme ungültig',
    );
    $interaction->options[] = new IntentOption(
        type: 'ask_for_verification_iban_invalid_checksum',
        name: 'Kunden darauf hinweisen',
        recommended: true,
    );
} else {
    if ($in->date < date('Y-m-d')) {
        // If the customer wants to use an IBAN effective in the past, we default to tomorrow
        $interaction->infos[] = new IntentInfo(
            type: 'warning',
            message: 'Gewünschtes Gültigkeitsdatum '.EnneoSDK\Helpers::formatDate($in->date).' liegt in der Vergangenheit. Gültigkeit auf morgen gesetzt'
        );
        $interaction->data->date = date('Y-m-d', strtotime('+1 day'));
    }

    $interaction->infos[] = new IntentInfo(
        type: 'success',
        message: 'IBAN gültig',
    );
    if ($in->payoutOnly) {
        $msg = 'Im System  nur für Guthaben hinterlegen';
    } else {
        $msg = 'Im System hinterlegen';
    }

    $interaction->options[] = new IntentOption(
        type: 'enter_into_system',
        name: $msg,
        recommended: true,
    );
}

// Return result
echo json_encode($interaction);

// Format IBAN for readability
function formatIban(string $iban): string
{
    $iban = str_replace(' ', '', $iban);

    // Split the input string into 4-character chunks for readability
    $formatted_iban = '';
    $chunk_size = 4;
    $num_chunks = ceil(strlen($iban) / $chunk_size);
    for ($i = 0; $i < $num_chunks; ++$i) {
        $chunk = substr($iban, $i * $chunk_size, $chunk_size);
        $formatted_iban .= $chunk . ' ';
    }

    // Trim any trailing spaces and return the formatted IBAN
    return trim($formatted_iban);
}

// Check integrity of IBAN (modified from original source: https://stackoverflow.com/questions/20983339/validate-iban-php)
function validateIbanChecksum(string $iban): bool
{
    $iban = strtolower(str_replace(' ', '', $iban));
    $Countries = ['al' => 28, 'ad' => 24, 'at' => 20, 'az' => 28, 'bh' => 22, 'be' => 16, 'ba' => 20, 'br' => 29, 'bg' => 22, 'cr' => 21, 'hr' => 21, 'cy' => 28, 'cz' => 24, 'dk' => 18, 'do' => 28, 'ee' => 20, 'fo' => 18, 'fi' => 18, 'fr' => 27, 'ge' => 22, 'de' => 22, 'gi' => 23, 'gr' => 27, 'gl' => 18, 'gt' => 28, 'hu' => 28, 'is' => 26, 'ie' => 22, 'il' => 23, 'it' => 27, 'jo' => 30, 'kz' => 20, 'kw' => 30, 'lv' => 21, 'lb' => 28, 'li' => 21, 'lt' => 20, 'lu' => 20, 'mk' => 19, 'mt' => 31, 'mr' => 27, 'mu' => 30, 'mc' => 27, 'md' => 24, 'me' => 22, 'nl' => 18, 'no' => 15, 'pk' => 24, 'ps' => 29, 'pl' => 28, 'pt' => 25, 'qa' => 29, 'ro' => 24, 'sm' => 27, 'sa' => 24, 'rs' => 22, 'sk' => 24, 'si' => 19, 'es' => 24, 'se' => 24, 'ch' => 21, 'tn' => 24, 'tr' => 26, 'ae' => 23, 'gb' => 22, 'vg' => 24];
    $Chars = ['a' => 10, 'b' => 11, 'c' => 12, 'd' => 13, 'e' => 14, 'f' => 15, 'g' => 16, 'h' => 17, 'i' => 18, 'j' => 19, 'k' => 20, 'l' => 21, 'm' => 22, 'n' => 23, 'o' => 24, 'p' => 25, 'q' => 26, 'r' => 27, 's' => 28, 't' => 29, 'u' => 30, 'v' => 31, 'w' => 32, 'x' => 33, 'y' => 34, 'z' => 35];

    if (!array_key_exists(substr($iban, 0, 2), $Countries)) {
        return false;
    }

    if (strlen($iban) == $Countries[substr($iban, 0, 2)]) {
        $MovedChar = substr($iban, 4) . substr($iban, 0, 4);
        $MovedCharArray = str_split($MovedChar);
        $NewString = '';

        foreach ($MovedCharArray as $key => $value) {
            if (!is_numeric($MovedCharArray[$key])) {
                $MovedCharArray[$key] = $Chars[$MovedCharArray[$key]];
            }
            $NewString .= $MovedCharArray[$key];
        }

        if (bcmod($NewString, '97') == 1) {
            return true;
        }
    }

    return false;
}

// Check formatting of IBAN
function validateIbanFormatting(string $str): bool
{
    // Note: German IBAN definition allows for slack
    // Correct IBAN definition: DE[0-9]{2}\s?([0-9]{4}\s?){4}([0-9]{2})\s?
    if (str_starts_with($str,'DE')) {
        $re = 'DE\s?[0-9]{2}\s?([0-9]{4}\s?){4}([0-9]{2})\s?';
        // Find all IBAN addresses
        if (preg_match_all('/' . $re . '/', $str, $m)) {
            return true;
        } else {
            return false;
        }
    } else {
        // International IBANs are validated in the validateIbanChecksum() function
        return true;
    }
}

import importlib.util
import os
import json
import re
from datetime import datetime, timedelta

file_path = os.getenv('SDK', 'sdk.py')
spec = importlib.util.spec_from_file_location('sdk', file_path)
sdk = importlib.util.module_from_spec(spec)
spec.loader.exec_module(sdk)

######### Expected Input:
# date -> Date for deposit change (optional)
# channel -> ticket channel. Voice and chat can be handled synchronously (required)
# newIBAN -> IBAN of the new bank account (required)
# oldIBAN -> IBAN of the old bank account (optional)
# payoutOnly -> true if only payout should be changed (optional)

def parse_date_to_ymd(date_str):
    """
    Parse a textual date into yyyy-mm-dd format.
    Matches the PHP parseDateToYMD function.
    """
    if not date_str:
        return None

    # Try standard date parsing first
    try:
        parsed_date = datetime.strptime(date_str, '%Y-%m-%d')
        return parsed_date.strftime('%Y-%m-%d')
    except ValueError:
        pass

    # Try other common formats
    formats = ['%d.%m.%Y', '%d.%m.%y', '%d.%m.%Y', '%d.%m.%y']
    for fmt in formats:
        try:
            parsed_date = datetime.strptime(date_str, fmt)
            return parsed_date.strftime('%Y-%m-%d')
        except ValueError:
            continue

    return None

# Format IBAN for readability
def format_iban(iban):
    if not iban:
        return ''

    iban = str(iban).replace(' ', '')

    # Split the input string into 4-character chunks for readability
    formatted_iban = ''
    chunk_size = 4
    num_chunks = (len(iban) + chunk_size - 1) // chunk_size
    for i in range(num_chunks):
        chunk = iban[i * chunk_size:(i + 1) * chunk_size]
        formatted_iban += chunk + ' '

    # Trim any trailing spaces and return the formatted IBAN
    return formatted_iban.strip()

# Check integrity of IBAN (modified from original source: https://stackoverflow.com/questions/20983339/validate-iban-php)
def validate_iban_checksum(iban):
    if not iban:
        return False

    iban = str(iban).lower().replace(' ', '')
    countries = {
        'al': 28, 'ad': 24, 'at': 20, 'az': 28, 'bh': 22, 'be': 16, 'ba': 20, 'br': 29, 'bg': 22, 'cr': 21,
        'hr': 21, 'cy': 28, 'cz': 24, 'dk': 18, 'do': 28, 'ee': 20, 'fo': 18, 'fi': 18, 'fr': 27, 'ge': 22,
        'de': 22, 'gi': 23, 'gr': 27, 'gl': 18, 'gt': 28, 'hu': 28, 'is': 26, 'ie': 22, 'il': 23, 'it': 27,
        'jo': 30, 'kz': 20, 'kw': 30, 'lv': 21, 'lb': 28, 'li': 21, 'lt': 20, 'lu': 20, 'mk': 19, 'mt': 31,
        'mr': 27, 'mu': 30, 'mc': 27, 'md': 24, 'me': 22, 'nl': 18, 'no': 15, 'pk': 24, 'ps': 29, 'pl': 28,
        'pt': 25, 'qa': 29, 'ro': 24, 'sm': 27, 'sa': 24, 'rs': 22, 'sk': 24, 'si': 19, 'es': 24, 'se': 24,
        'ch': 21, 'tn': 24, 'tr': 26, 'ae': 23, 'gb': 22, 'vg': 24
    }
    chars = {
        'a': 10, 'b': 11, 'c': 12, 'd': 13, 'e': 14, 'f': 15, 'g': 16, 'h': 17, 'i': 18, 'j': 19,
        'k': 20, 'l': 21, 'm': 22, 'n': 23, 'o': 24, 'p': 25, 'q': 26, 'r': 27, 's': 28, 't': 29,
        'u': 30, 'v': 31, 'w': 32, 'x': 33, 'y': 34, 'z': 35
    }

    if iban[:2] not in countries:
        return False

    if len(iban) == countries[iban[:2]]:
        moved_char = iban[4:] + iban[:4]
        new_string = ''

        for char in moved_char:
            if char.isdigit():
                new_string += char
            else:
                new_string += str(chars[char])

        if int(new_string) % 97 == 1:
            return True

    return False

# Check formatting of IBAN
def validate_iban_formatting(iban_str):
    if not iban_str:
        return False

    iban_str = str(iban_str)
    # Note: German IBAN definition allows for slack
    # Correct IBAN definition: DE[0-9]{2}\s?([0-9]{4}\s?){4}([0-9]{2})\s?
    if iban_str.startswith('DE'):
        pattern = r'DE\s?[0-9]{2}\s?([0-9]{4}\s?){4}([0-9]{2})\s?'
        if re.match(pattern, iban_str):
            return True
        else:
            return False
    else:
        # International IBANs are validated in the validate_iban_checksum() function
        return True

input_data = sdk.load_input_data()

# Initialize variables
if input_data.get('date'):
    input_data['date'] = parse_date_to_ymd(input_data['date'])
else:
    input_data['date'] = (datetime.now() + timedelta(days=1)).strftime('%Y-%m-%d')

interaction = sdk.Interaction(data=input_data)
interaction.data['oldIBAN'] = format_iban(input_data.get('oldIBAN', ''))
interaction.data['newIBAN'] = format_iban(input_data.get('newIBAN', ''))

# Handle actual change of bank data in the backend system
if input_data.get('_action') == 'enter_into_system':
    response = sdk.Api.call(
        method='POST',
        url='https://echo.enneo.ai',
        params=json.loads(json.dumps(interaction.model_dump()))
    )
    print(json.dumps(interaction.model_dump()))
    exit()

# Business logic
if input_data.get('oldIBAN') == input_data.get('newIBAN') and input_data.get('newIBAN'):
    interaction.infos.append(
        sdk.IntentInfo(
            type='warning',
            message='IBAN ist schon im System'
        )
    )
    interaction.options.append(
        sdk.IntentOption(
            type='iban_already_in_system',
            name='Kunden darauf hinweisen',
            recommended=True
        )
    )
elif not validate_iban_formatting(input_data.get('newIBAN', '')):
    interaction.infos.append(
        sdk.IntentInfo(
            type='warning',
            message='IBAN nicht im korrekten Format'
        )
    )
    interaction.options.append(
        sdk.IntentOption(
            type='ask_for_verification_iban_invalid_format',
            name='Kunden darauf hinweisen',
            recommended=True
        )
    )
elif not validate_iban_checksum(input_data.get('newIBAN', '')):
    interaction.infos.append(
        sdk.IntentInfo(
            type='warning',
            message='IBAN-Prüfsumme ungültig'
        )
    )
    interaction.options.append(
        sdk.IntentOption(
            type='ask_for_verification_iban_invalid_checksum',
            name='Kunden darauf hinweisen',
            recommended=True
        )
    )
else:
    if input_data['date'] < datetime.now().strftime('%Y-%m-%d'):
        # If the customer wants to use an IBAN effective in the past, we default to tomorrow
        interaction.infos.append(
            sdk.IntentInfo(
                type='warning',
                message=f'Gewünschtes Gültigkeitsdatum {sdk.Helpers.format_date(input_data["date"])} liegt in der Vergangenheit. Gültigkeit auf morgen gesetzt'
            )
        )
        interaction.data['date'] = (datetime.now() + timedelta(days=1)).strftime('%Y-%m-%d')

    interaction.infos.append(
        sdk.IntentInfo(
            type='success',
            message='IBAN gültig'
        )
    )
    if input_data.get('payoutOnly'):
        msg = 'Im System  nur für Guthaben hinterlegen'
    else:
        msg = 'Im System hinterlegen'

    interaction.options.append(
        sdk.IntentOption(
            type='enter_into_system',
            name=msg,
            recommended=True
        )
    )

# Return result
print(json.dumps(interaction.model_dump()))