641 lines
26 KiB
JavaScript
641 lines
26 KiB
JavaScript
'use strict';
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const { billingCycleForCycleType, insertBill, validateBillData } = require('./billsService');
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const SUBSCRIPTION_TYPES = [
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'streaming', 'software', 'cloud', 'music', 'news',
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'fitness', 'gaming', 'utilities', 'insurance',
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'food', 'education', 'shopping', 'security', 'other',
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];
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const MONTHLY_FACTORS = {
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weekly: 52 / 12,
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biweekly: 26 / 12,
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monthly: 1,
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quarterly: 1 / 3,
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annual: 1 / 12,
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annually: 1 / 12,
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irregular: 1,
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};
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// Transactions that are clearly not subscriptions — skip before grouping
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const SKIP_MERCHANT_RE = /\b(atm|withdrawal|transfer|deposit|zelle|venmo|wire|refund|rebate|interest charge)\b/;
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// Fallback keyword list used when catalog lookup finds no match
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const TYPE_KEYWORDS = [
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['streaming', ['netflix', 'hulu', 'disney', 'max', 'paramount', 'peacock', 'youtube tv', 'sling', 'espn', 'fubo', 'starz', 'crunchyroll', 'dazn']],
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['music', ['spotify', 'apple music', 'tidal', 'pandora', 'siriusxm', 'soundcloud', 'deezer', 'iheart']],
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['software', ['adobe', 'microsoft', 'github', 'notion', 'figma', 'canva', 'openai', 'chatgpt', 'grammarly', 'zoom', 'slack', 'cursor', 'ynab']],
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['cloud', ['dropbox', 'icloud', 'google one', 'google storage', 'backblaze', 'box storage']],
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['news', ['nyt', 'new york times', 'economist', 'athletic', 'washington post', 'wsj', 'bloomberg', 'substack', 'patreon', 'medium']],
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['fitness', ['peloton', 'planet fitness', 'gym', 'fitbit', 'strava', 'headspace', 'calm', 'noom', 'classpass', 'whoop']],
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['gaming', ['xbox', 'playstation', 'steam', 'nintendo', 'roblox', 'discord nitro', 'ea play', 'ubisoft']],
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['utilities', ['verizon', 'at t', 'att', 'comcast', 'xfinity', 'spectrum', 'tmobile', 't mobile']],
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['insurance', ['insurance', 'geico', 'progressive', 'state farm', 'allstate']],
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['food', ['hellofresh', 'blue apron', 'doordash', 'instacart', 'uber eats', 'grubhub', 'factor', 'hungryroot']],
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['education', ['duolingo', 'masterclass', 'coursera', 'skillshare', 'audible', 'kindle unlimited', 'blinkist']],
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['shopping', ['amazon prime', 'walmart plus', 'costco', 'target circle', 'chewy']],
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['security', ['nordvpn', 'expressvpn', '1password', 'dashlane', 'norton', 'mcafee', 'surfshark']],
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];
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// ── Catalog ───────────────────────────────────────────────────────────────────
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function loadCatalog(db, userId) {
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try {
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const catalog = db.prepare(
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'SELECT id, rank, name, category, subscription_type, domain, website, starting_monthly_usd FROM subscription_catalog ORDER BY rank ASC'
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).all();
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if (!catalog.length) return [];
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// Attach bank descriptors and slang terms if the table exists (v0.95+)
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let descriptors = [];
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try {
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descriptors = db.prepare(
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'SELECT catalog_id, descriptor, descriptor_type FROM subscription_catalog_descriptors'
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).all();
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} catch { /* pre-v0.95 */ }
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// Merge user-specific custom descriptors (v0.96+)
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if (userId) {
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try {
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const userDescs = db.prepare(
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'SELECT catalog_id, descriptor FROM user_catalog_descriptors WHERE user_id = ?'
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).all(userId);
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for (const d of userDescs) {
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descriptors.push({ catalog_id: d.catalog_id, descriptor: d.descriptor, descriptor_type: 'bank' });
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}
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} catch { /* pre-v0.96 */ }
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}
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const byId = new Map(catalog.map(c => [c.id, { ...c, bankDescs: [], slangTerms: [] }]));
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for (const d of descriptors) {
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const entry = byId.get(d.catalog_id);
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if (!entry) continue;
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const normalized = normalizeMerchant(d.descriptor);
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if (d.descriptor_type === 'bank') entry.bankDescs.push(normalized);
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else entry.slangTerms.push(normalized);
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}
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return [...byId.values()];
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} catch {
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return [];
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}
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}
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// Build a normalized-name → subscription_type map from the full catalog so
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// inferType can use all 290 known services, not just the hardcoded keyword list.
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function buildCatalogTypeMap(catalog) {
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const map = new Map();
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for (const entry of catalog) {
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if (!entry.subscription_type || entry.subscription_type === 'other') continue;
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const key = normalizeCatalogName(entry.name);
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if (key.length >= 3 && !map.has(key)) map.set(key, entry.subscription_type);
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}
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return map;
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}
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function compactCatalogKey(value) {
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return normalizeCatalogName(value).replace(/\s+/g, '');
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}
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function hostFromUrl(value) {
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if (!value) return '';
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try {
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return new URL(String(value).startsWith('http') ? String(value) : `https://${value}`).hostname;
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} catch {
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return String(value || '');
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}
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}
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function catalogDomainKeys(entry) {
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const keys = new Set();
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const candidates = [entry.domain, hostFromUrl(entry.website)].filter(Boolean);
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for (const candidate of candidates) {
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const host = String(candidate).toLowerCase().replace(/^www\./, '').replace(/\/.*$/, '');
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const labels = host.split('.').filter(Boolean);
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if (labels.length >= 2) {
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keys.add(labels.join(' '));
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keys.add(labels.slice(-2).join(' '));
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if (labels[0].length >= 5) keys.add(labels[0]);
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}
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}
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return [...keys].filter(key => key.length >= 4);
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}
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function normalizeCatalogName(value) {
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return String(value || '')
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.toLowerCase()
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.replace(/\+/g, ' plus ') // "Walmart+" → "walmart plus" so it only matches "walmart plus" transactions
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.replace(/[^a-z0-9]+/g, ' ')
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.replace(/\s+/g, ' ')
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.trim();
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}
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// Given a normalized merchant string, find the best matching catalog entry.
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// Priority: (1) bank descriptor substring match, (2) name/domain fuzzy match.
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function lookupCatalog(catalog, merchantText) {
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if (!catalog.length || !merchantText) return null;
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let best = null;
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let bestScore = 0;
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const normalized = normalizeMerchant(merchantText);
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const compact = compactCatalogKey(merchantText);
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for (const entry of catalog) {
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// 1. Bank statement descriptors — normalized against our own normalizeMerchant so
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// "NETFLIX.COM LOS GATOS CA" and raw payee "netflix" both reduce to comparable forms.
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for (const desc of (entry.bankDescs || [])) {
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if (desc.length >= 4 && (normalized.includes(desc) || desc.includes(normalized))) {
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const score = 2000 + desc.length;
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if (score > bestScore) { best = entry; bestScore = score; }
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}
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}
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// 2. Name / domain fuzzy match (original logic, unchanged)
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const nameKey = normalizeCatalogName(entry.name);
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const nameCompact = compactCatalogKey(entry.name);
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const nameScore = 1000 + nameKey.length;
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if (
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nameKey.length >= 3
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&& (normalized.includes(nameKey) || (nameCompact.length >= 5 && compact.includes(nameCompact)))
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&& nameScore > bestScore
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) {
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best = entry;
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bestScore = nameScore;
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}
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for (const domainKey of catalogDomainKeys(entry)) {
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const domainCompact = domainKey.replace(/\s+/g, '');
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const domainScore = 500 + domainKey.length;
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if (
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(normalized.includes(domainKey) || (domainCompact.length >= 5 && compact.includes(domainCompact)))
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&& domainScore > bestScore
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) {
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best = entry;
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bestScore = domainScore;
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}
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}
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}
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return best;
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}
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// ── Helpers ───────────────────────────────────────────────────────────────────
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function normalizeMerchant(value) {
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return String(value || '')
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.toLowerCase()
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.replace(/\+/g, ' plus ') // preserve "+" so "WALMART+" matches catalog "Walmart+" → "walmart plus"
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.replace(/&/g, '') // "&" joins words — "AT&T" → "att", not "at t"
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.replace(/['’]/g, '') // collapse apostrophes — "Sam's Club" → "sams club", "McDonald's" → "mcdonalds"
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.replace(/[^a-z0-9\s]/g, ' ')
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.replace(/\b(pos|debit|card|payment|purchase|recurring|online|inc|llc|co|www)\b/g, ' ')
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.replace(/\s+/g, ' ')
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.trim();
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}
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function titleCase(value) {
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return String(value || 'Subscription')
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.split(/\s+/)
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.filter(Boolean)
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.map(word => word.charAt(0).toUpperCase() + word.slice(1))
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.join(' ');
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}
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function inferType(merchantText, catalogEntry, catalogTypeMap = null) {
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if (catalogEntry?.subscription_type) return catalogEntry.subscription_type;
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const haystack = normalizeMerchant(merchantText);
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if (catalogTypeMap) {
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for (const [nameKey, type] of catalogTypeMap.entries()) {
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if (haystack.includes(nameKey)) return type;
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}
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}
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for (const [type, words] of TYPE_KEYWORDS) {
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if (words.some(word => haystack.includes(word))) return type;
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}
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return 'other';
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}
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function catalogMatchPayload(catalogEntry) {
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return catalogEntry ? {
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id: catalogEntry.id,
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name: catalogEntry.name,
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category: catalogEntry.category,
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subscription_type: catalogEntry.subscription_type || 'other',
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website: catalogEntry.website || null,
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starting_monthly_usd: catalogEntry.starting_monthly_usd ?? null,
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} : null;
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}
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function monthlyEquivalent(amount, cycleType, billingCycle) {
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const key = String(cycleType || billingCycle || 'monthly').toLowerCase();
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const fallback = String(billingCycle || '').toLowerCase() === 'quarterly'
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? 'quarterly'
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: String(billingCycle || '').toLowerCase() === 'annually'
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? 'annual'
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: key;
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const factor = MONTHLY_FACTORS[key] ?? MONTHLY_FACTORS[fallback] ?? 1;
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return Math.round(Number(amount || 0) * factor * 100) / 100;
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}
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function nextDueDate(bill, now = new Date()) {
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const dueDay = Math.min(Math.max(Number(bill.due_day) || 1, 1), 31);
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const cycle = String(bill.cycle_type || bill.billing_cycle || 'monthly').toLowerCase();
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let date = new Date(now.getFullYear(), now.getMonth(), dueDay);
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if (date < new Date(now.getFullYear(), now.getMonth(), now.getDate())) {
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date = new Date(now.getFullYear(), now.getMonth() + 1, dueDay);
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}
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if (cycle === 'quarterly' || cycle === 'annual') {
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const startMonth = Math.min(Math.max(Number(bill.cycle_day) || 1, 1), 12) - 1;
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const step = cycle === 'quarterly' ? 3 : 12;
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date = new Date(now.getFullYear(), startMonth, dueDay);
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while (date < new Date(now.getFullYear(), now.getMonth(), now.getDate())) {
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date = new Date(date.getFullYear(), date.getMonth() + step, dueDay);
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}
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}
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return date.toISOString().slice(0, 10);
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}
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function decorateSubscription(bill) {
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const monthly = monthlyEquivalent(bill.expected_amount, bill.cycle_type, bill.billing_cycle);
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return {
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...bill,
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is_subscription: !!bill.is_subscription,
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active: !!bill.active,
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monthly_equivalent: monthly,
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yearly_equivalent: Math.round(monthly * 12 * 100) / 100,
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next_due_date: nextDueDate(bill),
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subscription_type: bill.subscription_type || inferType(`${bill.name} ${bill.category_name || ''}`, null),
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};
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}
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function getSubscriptions(db, userId) {
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return db.prepare(`
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SELECT b.*, b.catalog_id, c.name AS category_name,
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CASE WHEN EXISTS(
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SELECT 1 FROM bill_merchant_rules WHERE bill_id = b.id AND user_id = b.user_id
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) THEN 1 ELSE 0 END AS has_merchant_rule
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FROM bills b
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LEFT JOIN categories c ON c.id = b.category_id AND c.user_id = b.user_id AND c.deleted_at IS NULL
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WHERE b.user_id = ?
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AND b.deleted_at IS NULL
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AND b.is_subscription = 1
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ORDER BY b.active DESC,
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CASE WHEN b.sort_order IS NULL THEN 1 ELSE 0 END,
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b.sort_order ASC,
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b.due_day ASC,
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b.name COLLATE NOCASE ASC
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`).all(userId).map(decorateSubscription);
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}
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function getSubscriptionSummary(subscriptions) {
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const active = subscriptions.filter(item => item.active);
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const monthlyTotal = active.reduce((sum, item) => sum + Number(item.monthly_equivalent || 0), 0);
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const typeTotals = new Map();
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for (const item of active) {
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const type = item.subscription_type || 'other';
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typeTotals.set(type, (typeTotals.get(type) || 0) + Number(item.monthly_equivalent || 0));
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}
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const topType = [...typeTotals.entries()].sort((a, b) => b[1] - a[1])[0] || null;
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return {
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active_count: active.length,
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paused_count: subscriptions.length - active.length,
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monthly_total: Math.round(monthlyTotal * 100) / 100,
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yearly_total: Math.round(monthlyTotal * 12 * 100) / 100,
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top_type: topType ? { type: topType[0], monthly_total: Math.round(topType[1] * 100) / 100 } : null,
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};
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}
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function existingBillNames(db, userId) {
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return db.prepare('SELECT name FROM bills WHERE user_id = ? AND deleted_at IS NULL')
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.all(userId)
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.map(row => normalizeMerchant(row.name))
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.filter(Boolean);
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}
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function dollarsFromTransactionAmount(amount) {
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return Math.round((Math.abs(Number(amount || 0)) / 100) * 100) / 100;
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}
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// ── Decline store ─────────────────────────────────────────────────────────────
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function getDeclinedKeys(db, userId) {
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try {
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const rows = db.prepare('SELECT decline_key FROM declined_subscription_hints WHERE user_id = ?').all(userId);
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return new Set(rows.map(r => r.decline_key));
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} catch {
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return new Set();
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}
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}
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function declineRecommendation(db, userId, declineKey) {
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db.prepare(`
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INSERT INTO declined_subscription_hints (user_id, decline_key)
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VALUES (?, ?)
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ON CONFLICT(user_id, decline_key) DO NOTHING
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`).run(userId, declineKey);
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}
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// ── Recommendations ───────────────────────────────────────────────────────────
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function getSubscriptionRecommendations(db, userId) {
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const catalog = loadCatalog(db, userId);
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const catalogTypeMap = buildCatalogTypeMap(catalog);
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const existingNames = existingBillNames(db, userId);
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const declined = getDeclinedKeys(db, userId);
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const rows = db.prepare(`
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SELECT
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t.id, t.amount, t.currency, t.description, t.payee, t.memo, t.category,
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COALESCE(t.posted_date, substr(t.transacted_at, 1, 10)) AS tx_date,
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ds.provider AS data_source_provider,
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ds.name AS data_source_name,
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fa.name AS account_name,
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fa.org_name AS account_org_name
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FROM transactions t
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LEFT JOIN data_sources ds ON ds.id = t.data_source_id AND ds.user_id = t.user_id
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LEFT JOIN financial_accounts fa ON fa.id = t.account_id AND fa.user_id = t.user_id
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WHERE t.user_id = ?
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AND t.ignored = 0
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AND t.match_status = 'unmatched'
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AND t.amount < 0
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AND (t.account_id IS NULL OR fa.id IS NULL OR fa.monitored = 1)
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AND COALESCE(t.posted_date, substr(t.transacted_at, 1, 10)) >= date('now', '-420 days')
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ORDER BY tx_date ASC
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`).all(userId);
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// Group by merchant + amount bucket — consistent amounts are the foundation of
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// subscription detection. Catalog lookup names the service and boosts confidence
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// but does not change the grouping; deduplication at the end ensures one entry
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// per known service.
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const groups = new Map();
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for (const tx of rows) {
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const merchant = normalizeMerchant(tx.payee || tx.description || tx.memo);
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if (!merchant || merchant.length < 3) continue;
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if (SKIP_MERCHANT_RE.test(merchant)) continue;
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const amount = dollarsFromTransactionAmount(tx.amount);
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if (amount < 1) continue;
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const key = `${merchant}:${Math.round(amount)}`;
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if (!groups.has(key)) {
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groups.set(key, { merchant, items: [], catalogEntry: null });
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}
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const group = groups.get(key);
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group.items.push({ ...tx, amount_dollars: amount });
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if (!group.catalogEntry) group.catalogEntry = lookupCatalog(catalog, merchant);
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}
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const recommendations = [];
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for (const group of groups.values()) {
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const { merchant, catalogEntry } = group;
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const declineKey = catalogEntry ? `catalog:${catalogEntry.id}` : `merchant:${merchant}`;
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if (declined.has(declineKey)) continue;
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if (existingNames.some(n => n.includes(merchant) || merchant.includes(n))) continue;
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const sorted = group.items
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.filter(item => item.tx_date)
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.sort((a, b) => String(a.tx_date).localeCompare(String(b.tx_date)));
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if (sorted.length === 0) continue;
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const averageAmount = sorted.reduce((sum, item) => sum + item.amount_dollars, 0) / sorted.length;
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const maxDelta = sorted.length > 1
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? Math.max(...sorted.map(item => Math.abs(item.amount_dollars - averageAmount)))
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: 0;
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const last = sorted[sorted.length - 1];
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// Tier 1: catalog match with 1 occurrence
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if (catalogEntry && sorted.length === 1) {
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recommendations.push(buildRecommendation({
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merchant, catalogEntry, sorted, averageAmount, maxDelta, last,
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cycleType: 'monthly', avgGap: 30, confidence: 90, tier: 'known_service', declineKey, catalogTypeMap,
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}));
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continue;
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}
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if (sorted.length < 2) continue;
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const gaps = [];
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for (let i = 1; i < sorted.length; i++) {
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gaps.push(Math.round(
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(new Date(`${sorted[i].tx_date}T00:00:00`) - new Date(`${sorted[i - 1].tx_date}T00:00:00`)) / 86400000
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));
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}
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const avgGap = gaps.reduce((sum, g) => sum + g, 0) / gaps.length;
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const cycleType = avgGap >= 320 ? 'annual'
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: avgGap >= 75 ? 'quarterly'
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: avgGap >= 10 && avgGap <= 18 ? 'biweekly'
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: avgGap <= 9 ? 'weekly'
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: 'monthly';
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if (cycleType === 'monthly' && (avgGap < 24 || avgGap > 38)) continue;
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if (cycleType === 'quarterly' && (avgGap < 75 || avgGap > 105)) continue;
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if (cycleType === 'weekly') continue;
|
||
if (maxDelta > Math.max(3, averageAmount * 0.18)) continue;
|
||
|
||
let confidence;
|
||
if (catalogEntry) {
|
||
confidence = Math.min(99, 68 + sorted.length * 8 + (maxDelta <= 1 ? 8 : 0));
|
||
} else {
|
||
confidence = Math.min(96, 58 + sorted.length * 9 + (maxDelta <= 1 ? 10 : 0));
|
||
}
|
||
|
||
const tier = catalogEntry ? 'confirmed' : 'pattern';
|
||
recommendations.push(buildRecommendation({
|
||
merchant, catalogEntry, sorted, averageAmount, maxDelta, last,
|
||
cycleType, avgGap, confidence, tier, declineKey, catalogTypeMap,
|
||
}));
|
||
}
|
||
|
||
// Deduplicate by catalog entry — if multiple amount buckets matched the same
|
||
// known service, keep only the highest-confidence one.
|
||
const seen = new Map();
|
||
const deduped = [];
|
||
for (const rec of recommendations.sort((a, b) => b.confidence - a.confidence || b.occurrence_count - a.occurrence_count)) {
|
||
const key = rec.catalog_match ? `catalog:${rec.catalog_match.id}` : `merchant:${rec.merchant}`;
|
||
if (!seen.has(key)) {
|
||
seen.set(key, true);
|
||
deduped.push(rec);
|
||
}
|
||
}
|
||
return deduped.slice(0, 20);
|
||
}
|
||
|
||
function buildRecommendation({ merchant, catalogEntry, sorted, averageAmount, maxDelta, last, cycleType, avgGap, confidence, tier, declineKey, catalogTypeMap }) {
|
||
const name = catalogEntry ? catalogEntry.name : titleCase(merchant);
|
||
const subscriptionType = inferType(merchant, catalogEntry, catalogTypeMap);
|
||
const accounts = Array.from(new Set(sorted
|
||
.map(item => {
|
||
const accountName = item.account_name || '';
|
||
const orgName = item.account_org_name || '';
|
||
if (accountName && orgName && accountName !== orgName) return `${orgName} · ${accountName}`;
|
||
return accountName || orgName || item.data_source_name || '';
|
||
})
|
||
.filter(Boolean)));
|
||
|
||
const reasons = [];
|
||
if (catalogEntry) reasons.push(`Matches known service: ${catalogEntry.name}`);
|
||
if (sorted.length > 1) reasons.push(`${sorted.length} similar charges`);
|
||
if (sorted.length > 1) reasons.push(`About ${Math.round(avgGap)} days apart`);
|
||
reasons.push(`${last.currency || 'USD'} ${averageAmount.toFixed(2)} average`);
|
||
|
||
return {
|
||
id: Buffer.from(`${merchant}:${Math.round(averageAmount)}:${last.tx_date}`).toString('base64url'),
|
||
name,
|
||
subscription_type: subscriptionType,
|
||
expected_amount: Math.round(averageAmount * 100) / 100,
|
||
monthly_equivalent: monthlyEquivalent(averageAmount, cycleType, cycleType),
|
||
cycle_type: cycleType,
|
||
billing_cycle: billingCycleForCycleType(cycleType),
|
||
due_day: Number(String(last.tx_date).slice(8, 10)) || 1,
|
||
last_seen_date: last.tx_date,
|
||
occurrence_count: sorted.length,
|
||
confidence,
|
||
tier,
|
||
catalog_match: catalogMatchPayload(catalogEntry),
|
||
transaction_ids: sorted.map(item => item.id),
|
||
merchant,
|
||
decline_key: declineKey,
|
||
source: last.data_source_name || 'Transaction history',
|
||
accounts,
|
||
reasons,
|
||
};
|
||
}
|
||
|
||
function searchSubscriptionTransactions(db, userId, query = {}) {
|
||
const q = String(query.q || '').trim();
|
||
if (q.length < 2) return [];
|
||
const limit = Math.max(1, Math.min(parseInt(query.limit || '50', 10) || 50, 100));
|
||
const like = `%${q}%`;
|
||
const catalog = loadCatalog(db, userId);
|
||
|
||
const rows = db.prepare(`
|
||
SELECT
|
||
t.id, t.user_id, t.data_source_id, t.account_id, t.provider_transaction_id,
|
||
t.source_type, t.transaction_type, t.posted_date, t.transacted_at, t.amount,
|
||
t.currency, t.description, t.payee, t.memo, t.category, t.matched_bill_id,
|
||
t.match_status, t.ignored, t.created_at, t.updated_at,
|
||
ds.type AS data_source_type, ds.provider AS data_source_provider,
|
||
ds.name AS data_source_name, ds.status AS data_source_status,
|
||
fa.name AS account_name, fa.org_name AS account_org_name,
|
||
fa.account_type AS account_type,
|
||
b.name AS matched_bill_name
|
||
FROM transactions t
|
||
LEFT JOIN data_sources ds ON ds.id = t.data_source_id AND ds.user_id = t.user_id
|
||
LEFT JOIN financial_accounts fa ON fa.id = t.account_id AND fa.user_id = t.user_id
|
||
LEFT JOIN bills b ON b.id = t.matched_bill_id AND b.user_id = t.user_id AND b.deleted_at IS NULL
|
||
WHERE t.user_id = ?
|
||
AND t.ignored = 0
|
||
AND t.amount < 0
|
||
AND (t.account_id IS NULL OR fa.id IS NULL OR fa.monitored = 1)
|
||
AND (t.description LIKE ? OR t.payee LIKE ? OR t.memo LIKE ? OR t.category LIKE ?)
|
||
ORDER BY
|
||
CASE WHEN t.match_status = 'unmatched' THEN 0 ELSE 1 END,
|
||
COALESCE(t.posted_date, substr(t.transacted_at, 1, 10), t.created_at) DESC,
|
||
t.id DESC
|
||
LIMIT ?
|
||
`).all(userId, like, like, like, like, limit);
|
||
|
||
return rows.map(row => {
|
||
const merchant = normalizeMerchant(row.payee || row.description || row.memo);
|
||
const catalogEntry = lookupCatalog(catalog, merchant);
|
||
return {
|
||
...row,
|
||
amount_dollars: dollarsFromTransactionAmount(row.amount),
|
||
merchant,
|
||
is_known_subscription: !!catalogEntry,
|
||
catalog_match: catalogMatchPayload(catalogEntry),
|
||
};
|
||
}).sort((a, b) => Number(b.is_known_subscription) - Number(a.is_known_subscription));
|
||
}
|
||
|
||
function createSubscriptionFromRecommendation(db, userId, payload = {}) {
|
||
const seenDate = payload.last_seen_date || new Date().toISOString().slice(0, 10);
|
||
const source = payload.catalog_match
|
||
? 'catalog_match'
|
||
: 'simplefin_recommendation';
|
||
|
||
const draft = {
|
||
name: payload.name,
|
||
category_id: payload.category_id || null,
|
||
due_day: payload.due_day,
|
||
expected_amount: payload.expected_amount,
|
||
billing_cycle: billingCycleForCycleType(payload.cycle_type || 'monthly'),
|
||
cycle_type: payload.cycle_type || 'monthly',
|
||
cycle_day: (payload.cycle_type === 'annual' || payload.cycle_type === 'quarterly')
|
||
? String(new Date(`${seenDate}T00:00:00`).getMonth() + 1)
|
||
: (payload.cycle_type === 'weekly' || payload.cycle_type === 'biweekly')
|
||
? 'monday'
|
||
: String(payload.due_day || 1),
|
||
is_subscription: 1,
|
||
subscription_type: SUBSCRIPTION_TYPES.includes(payload.subscription_type) ? payload.subscription_type : 'other',
|
||
reminder_days_before: 3,
|
||
subscription_source: source,
|
||
subscription_detected_at: new Date().toISOString(),
|
||
notes: payload.merchant ? `Detected from recurring merchant: ${payload.merchant}` : null,
|
||
};
|
||
|
||
const validation = validateBillData(draft);
|
||
if (validation.errors.length > 0) {
|
||
const err = new Error(validation.errors[0].message);
|
||
err.field = validation.errors[0].field;
|
||
err.status = 400;
|
||
throw err;
|
||
}
|
||
|
||
const created = insertBill(db, userId, validation.normalized);
|
||
|
||
// Persist catalog link so the catalog browser can show this bill as "matched"
|
||
const catalogId = payload.catalog_match?.id;
|
||
if (catalogId) {
|
||
try {
|
||
db.prepare('UPDATE bills SET catalog_id = ? WHERE id = ?').run(catalogId, created.id);
|
||
created.catalog_id = catalogId;
|
||
} catch { /* catalog_id column may not exist pre-v0.96 — safe to ignore */ }
|
||
}
|
||
|
||
const ids = Array.isArray(payload.transaction_ids)
|
||
? payload.transaction_ids.map(id => Number(id)).filter(Number.isInteger).slice(0, 50)
|
||
: [];
|
||
if (ids.length > 0) {
|
||
const placeholders = ids.map(() => '?').join(',');
|
||
const txRows = db.prepare(`
|
||
SELECT id, amount, posted_date, transacted_at
|
||
FROM transactions
|
||
WHERE user_id = ? AND id IN (${placeholders}) AND ignored = 0
|
||
`).all(userId, ...ids);
|
||
|
||
const updateTx = db.prepare(`
|
||
UPDATE transactions
|
||
SET matched_bill_id = ?, match_status = 'matched', updated_at = CURRENT_TIMESTAMP
|
||
WHERE id = ? AND user_id = ? AND ignored = 0 AND match_status != 'matched'
|
||
`);
|
||
const insertPayment = db.prepare(`
|
||
INSERT OR IGNORE INTO payments (bill_id, amount, paid_date, payment_source, transaction_id)
|
||
VALUES (?, ?, ?, 'auto_match', ?)
|
||
`);
|
||
|
||
db.transaction(() => {
|
||
for (const tx of txRows) {
|
||
const paidDate = tx.posted_date || (tx.transacted_at ? String(tx.transacted_at).slice(0, 10) : null);
|
||
const amount = Math.round(Math.abs(tx.amount)) / 100;
|
||
updateTx.run(created.id, tx.id, userId);
|
||
if (paidDate) insertPayment.run(created.id, amount, paidDate, tx.id);
|
||
}
|
||
})();
|
||
}
|
||
|
||
return decorateSubscription(created);
|
||
}
|
||
|
||
module.exports = {
|
||
SUBSCRIPTION_TYPES,
|
||
createSubscriptionFromRecommendation,
|
||
declineRecommendation,
|
||
decorateSubscription,
|
||
getSubscriptionRecommendations,
|
||
getSubscriptionSummary,
|
||
getSubscriptions,
|
||
lookupCatalog,
|
||
loadCatalog,
|
||
monthlyEquivalent,
|
||
normalizeMerchant,
|
||
searchSubscriptionTransactions,
|
||
};
|