253 lines
10 KiB
JavaScript
253 lines
10 KiB
JavaScript
'use strict';
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const { normalizeMerchant } = require('./subscriptionService');
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const { computeBalanceDelta } = require('./billsService');
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// Persist a merchant→bill rule so future synced transactions auto-match.
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function addMerchantRule(db, userId, billId, merchant) {
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const normalized = normalizeMerchant(merchant);
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if (!normalized || normalized.length < 3) return;
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try {
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db.prepare(`
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INSERT INTO bill_merchant_rules (user_id, bill_id, merchant)
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VALUES (?, ?, ?)
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ON CONFLICT(user_id, bill_id, merchant) DO NOTHING
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`).run(userId, billId, normalized);
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} catch {
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// Table may not exist yet on legacy DBs — safe to skip
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}
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}
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// Scan all unmatched negative transactions for this user, apply any stored
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// merchant rules, create payments, and mark the transactions matched.
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// Returns { matched: number }.
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function applyMerchantRules(db, userId) {
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// Detects when a payment posted just after month end but the bill was due in the prior month.
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// Grace window: up to LATE_ATTR_DAYS days into the new month.
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const LATE_ATTR_DAYS = 5;
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function lateAttributionCandidate(paidDateStr, dueDayOfMonth) {
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const paid = new Date(paidDateStr + 'T00:00:00');
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const dayOfMonth = paid.getDate();
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if (dayOfMonth > LATE_ATTR_DAYS) return null;
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const prevMonthLastDay = new Date(paid.getFullYear(), paid.getMonth(), 0);
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if (dueDayOfMonth > prevMonthLastDay.getDate()) return null;
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return prevMonthLastDay.toISOString().slice(0, 10); // suggested prior-month date
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}
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let rules;
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try {
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rules = db.prepare(`
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SELECT bmr.bill_id, bmr.merchant, b.name AS bill_name, b.due_day
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FROM bill_merchant_rules bmr
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JOIN bills b ON b.id = bmr.bill_id AND b.user_id = bmr.user_id AND b.deleted_at IS NULL
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WHERE bmr.user_id = ?
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`).all(userId);
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} catch {
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return { matched: 0 };
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}
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if (rules.length === 0) return { matched: 0, matched_bills: [] };
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let txRows;
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try {
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txRows = db.prepare(`
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SELECT t.id, t.amount, t.payee, t.description, t.memo, t.posted_date, t.transacted_at
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FROM transactions t
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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.match_status = 'unmatched'
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AND t.ignored = 0
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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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`).all(userId);
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} catch (err) {
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console.error('[applyMerchantRules] Failed to fetch transactions:', err.message);
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return { matched: 0, matched_bills: [] };
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}
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if (txRows.length === 0) return { matched: 0, matched_bills: [] };
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const getBill = db.prepare('SELECT current_balance, interest_rate FROM bills WHERE id = ? AND deleted_at IS NULL');
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const insertPayment = db.prepare(`
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INSERT OR IGNORE INTO payments (bill_id, amount, paid_date, payment_source, transaction_id, balance_delta)
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VALUES (?, ?, ?, 'provider_sync', ?, ?)
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`);
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const updateBalance = db.prepare("UPDATE bills SET current_balance = ?, updated_at = datetime('now') WHERE id = ?");
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const updateTx = db.prepare(`
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UPDATE transactions
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SET matched_bill_id = ?, match_status = 'matched', updated_at = datetime('now')
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WHERE id = ? AND user_id = ? AND match_status = 'unmatched'
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`);
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let matched = 0;
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const matchedBills = new Map(); // bill_id → bill_name for the summary
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const lateAttributions = []; // payments that crossed a month boundary
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try {
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db.transaction(() => {
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for (const tx of txRows) {
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const txMerchant = normalizeMerchant(tx.payee || tx.description || tx.memo || '');
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if (!txMerchant) continue;
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const rule = rules.find(r =>
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txMerchant.includes(r.merchant) || r.merchant.includes(txMerchant)
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);
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if (!rule) continue;
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const paidDate = tx.posted_date || (tx.transacted_at ? String(tx.transacted_at).slice(0, 10) : null);
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if (!paidDate) continue;
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const amount = Math.round(Math.abs(tx.amount)) / 100;
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const bill = getBill.get(rule.bill_id);
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const balCalc = bill ? computeBalanceDelta(bill, amount) : null;
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const result = insertPayment.run(rule.bill_id, amount, paidDate, tx.id, balCalc?.balance_delta ?? null);
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if (result.changes > 0) {
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if (balCalc) updateBalance.run(balCalc.new_balance, rule.bill_id);
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updateTx.run(rule.bill_id, tx.id, userId);
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matched++;
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matchedBills.set(rule.bill_id, rule.bill_name || `Bill #${rule.bill_id}`);
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// Check if this payment just missed the previous month's window
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const suggestedDate = lateAttributionCandidate(paidDate, rule.due_day);
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if (suggestedDate) {
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// Fetch the payment id just inserted
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const inserted = db.prepare(
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'SELECT id FROM payments WHERE transaction_id = ? AND bill_id = ? AND deleted_at IS NULL'
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).get(tx.id, rule.bill_id);
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if (inserted) {
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lateAttributions.push({
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payment_id: inserted.id,
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bill_name: rule.bill_name || `Bill #${rule.bill_id}`,
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original_date: paidDate,
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suggested_date: suggestedDate,
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amount,
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});
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}
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}
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}
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}
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})();
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} catch (err) {
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console.error('[applyMerchantRules] Transaction failed, no payments recorded:', err.message);
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return { matched: 0, matched_bills: [], late_attributions: [] };
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}
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return { matched, matched_bills: [...matchedBills.values()], late_attributions: lateAttributions };
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}
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// Sync all unmatched SimpleFIN transactions for a single bill using its stored
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// merchant rules. If no rule exists yet but the bill has a detected merchant in
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// its notes, the rule is created on the fly.
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// Returns { added: number }.
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function syncBillPaymentsFromSimplefin(db, userId, billId) {
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// Load rules for this specific bill
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let rules;
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try {
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rules = db.prepare(`
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SELECT merchant FROM bill_merchant_rules
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WHERE user_id = ? AND bill_id = ?
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`).all(userId, billId).map(r => r.merchant);
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} catch {
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return { added: 0 };
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}
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// Fallback: extract merchant from notes "Detected from recurring merchant: X"
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if (rules.length === 0) {
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try {
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const bill = db.prepare('SELECT notes FROM bills WHERE id = ? AND user_id = ? AND deleted_at IS NULL').get(billId, userId);
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const match = bill?.notes?.match(/Detected from recurring merchant:\s*(.+)/i);
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if (match) {
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const extracted = normalizeMerchant(match[1].trim());
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if (extracted && extracted.length >= 3) {
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addMerchantRule(db, userId, billId, extracted);
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rules = [extracted];
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}
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}
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} catch (err) {
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console.error('[syncBillPaymentsFromSimplefin] Failed to read bill notes:', err.message);
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}
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if (rules.length === 0) return { added: 0 };
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}
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let txRows;
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try {
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txRows = db.prepare(`
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SELECT t.id, t.amount, t.payee, t.description, t.memo, t.posted_date, t.transacted_at
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FROM transactions t
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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.match_status = 'unmatched'
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AND t.ignored = 0
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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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`).all(userId);
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} catch (err) {
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console.error('[syncBillPaymentsFromSimplefin] Failed to fetch transactions:', err.message);
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return { added: 0 };
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}
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if (txRows.length === 0) return { added: 0 };
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const billMeta = db.prepare('SELECT name, due_day, current_balance, interest_rate FROM bills WHERE id = ? AND deleted_at IS NULL').get(billId);
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const getBill = db.prepare('SELECT current_balance, interest_rate FROM bills WHERE id = ? AND deleted_at IS NULL');
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const insertPayment = db.prepare(`
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INSERT OR IGNORE INTO payments (bill_id, amount, paid_date, payment_source, transaction_id, balance_delta)
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VALUES (?, ?, ?, 'provider_sync', ?, ?)
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`);
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const updateBalance = db.prepare("UPDATE bills SET current_balance = ?, updated_at = datetime('now') WHERE id = ?");
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const updateTx = db.prepare(`
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UPDATE transactions
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SET matched_bill_id = ?, match_status = 'matched', updated_at = datetime('now')
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WHERE id = ? AND user_id = ? AND match_status = 'unmatched'
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`);
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const getPaymentId = db.prepare('SELECT id FROM payments WHERE transaction_id = ? AND bill_id = ? AND deleted_at IS NULL');
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let added = 0;
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const lateAttributions = [];
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try {
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db.transaction(() => {
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for (const tx of txRows) {
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const txMerchant = normalizeMerchant(tx.payee || tx.description || tx.memo || '');
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if (!txMerchant) continue;
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const matches = rules.some(r => txMerchant.includes(r) || r.includes(txMerchant));
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if (!matches) continue;
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const paidDate = tx.posted_date || (tx.transacted_at ? String(tx.transacted_at).slice(0, 10) : null);
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if (!paidDate) continue;
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const amount = Math.round(Math.abs(tx.amount)) / 100;
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const bill = getBill.get(billId);
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const balCalc = bill ? computeBalanceDelta(bill, amount) : null;
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const result = insertPayment.run(billId, amount, paidDate, tx.id, balCalc?.balance_delta ?? null);
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if (result.changes > 0) {
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if (balCalc) updateBalance.run(balCalc.new_balance, billId);
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updateTx.run(billId, tx.id, userId);
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added++;
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// Check for late attribution (payment just crossed month boundary)
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const suggestedDate = billMeta ? lateAttributionCandidate(paidDate, billMeta.due_day) : null;
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if (suggestedDate) {
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const inserted = getPaymentId.get(tx.id, billId);
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if (inserted) {
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lateAttributions.push({
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payment_id: inserted.id,
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bill_name: billMeta.name || `Bill #${billId}`,
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original_date: paidDate,
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suggested_date: suggestedDate,
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amount,
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});
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}
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}
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}
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}
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})();
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} catch (err) {
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console.error('[syncBillPaymentsFromSimplefin] Transaction failed, no payments recorded:', err.message);
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return { added: 0, late_attributions: [] };
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}
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return { added, late_attributions: lateAttributions };
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}
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module.exports = { addMerchantRule, applyMerchantRules, syncBillPaymentsFromSimplefin };
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