@develit-services/bank 5.4.1 → 5.5.0

package/dist/shared/{bank.Bw9ayUKF.mjs → bank.D0iIfh-X.mjs}

@@ -1,10 +1,10 @@
 import { uuidv4, createInternalError, useResult, structuredAddressSchema } from '@develit-io/backend-sdk';
 import { format, parseISO } from 'date-fns';
+import { s as schema, h as account, i as accountCredentials, o as ott } from './bank.BzDNLxB_.mjs';
+import { defineRelations, and, not, inArray, isNull } from 'drizzle-orm';
 import { importPKCS8, SignJWT } from 'jose';
 import { z } from 'zod';
 import { CURRENCY_CODES } from '@develit-io/general-codes';
-import { s as schema, h as account, i as accountCredentials, o as ott } from './bank.BzDNLxB_.mjs';
-import { defineRelations, and, not, inArray, isNull } from 'drizzle-orm';
 import { createInsertSchema, createUpdateSchema, createSelectSchema } from 'drizzle-orm/zod';
 import 'node:crypto';
 
@@ -750,6 +750,49 @@ const mapFinbricksTransactionToPayment = (tx, account) => {
   return base;
 };
 
+function mod97(string) {
+  let checksum = string.slice(0, 2);
+  let fragment = "";
+  for (let offset = 2; offset < string.length; offset += 7) {
+    fragment = checksum + string.substring(offset, offset + 7);
+    checksum = (parseInt(fragment, 10) % 97).toString();
+  }
+  return parseInt(checksum, 10);
+}
+const parseCzechIban = (iban) => {
+  const stripped = iban.replace(/\s/g, "").toUpperCase();
+  if (!stripped.startsWith("CZ") || stripped.length !== 24) {
+    throw new Error(`Invalid Czech IBAN: ${iban}`);
+  }
+  const bankCode = stripped.slice(4, 8);
+  const prefix = stripped.slice(8, 14).replace(/^0+/, "");
+  const main = stripped.slice(14, 24).replace(/^0+/, "");
+  const accountNumber = prefix ? `${prefix}-${main}` : main;
+  return { bankCode, accountNumber };
+};
+const calculateCzechIban = (accountNumber, bankCode) => {
+  const paddedBankCode = bankCode.padStart(4, "0");
+  let prefix = "";
+  let mainAccount = accountNumber;
+  if (accountNumber.includes("-")) {
+    const parts = accountNumber.split("-");
+    if (parts.length !== 2) {
+      throw new Error(
+        `Invalid account number format: expected "prefix-main" or "main", got "${accountNumber}"`
+      );
+    }
+    prefix = parts[0];
+    mainAccount = parts[1];
+  }
+  const paddedPrefix = prefix.padStart(6, "0");
+  const paddedAccount = mainAccount.padStart(10, "0");
+  const basicIban = paddedBankCode + paddedPrefix + paddedAccount;
+  const rearranged = basicIban + "123500";
+  const remainder = mod97(rearranged);
+  const checkDigits = (98 - remainder).toString().padStart(2, "0");
+  return `CZ${checkDigits}${basicIban}`;
+};
+
 function autoVariableSymbol(paymentId) {
   let hash = 0;
   for (let i = 0; i < paymentId.length; i++) {
@@ -772,6 +815,20 @@ function resolveAccountIdentification(account, currency) {
     message: "Account has neither IBAN nor account number \u2014 cannot identify for foreign payment"
   });
 }
+function resolveCzechDomesticIban(account) {
+  if (!account.number || !account.bankCode) {
+    return account.iban;
+  }
+  const derived = calculateCzechIban(account.number, account.bankCode);
+  if (account.iban && account.iban !== derived) {
+    throw createInternalError(null, {
+      status: 422,
+      code: "VALID-B-017",
+      message: `Czech account ${account.number}/${account.bankCode} derives IBAN ${derived}, which conflicts with the stored IBAN ${account.iban}. Refusing to guess which is correct.`
+    });
+  }
+  return derived;
+}
 function mapToFinbricksAddress(addr) {
   if (!addr) return void 0;
   return {
@@ -995,14 +1052,14 @@ class FinbricksConnector extends IBankConnector {
         body: {
           batchPaymentIdentification: {
             merchantId: this.finbricks.MERCHANT_ID,
-            debtorAccountIban: payments[0].debtor.iban,
+            debtorAccountIban: resolveCzechDomesticIban(payments[0].debtor),
             clientId,
             callbackUrl: `${this.finbricks.REDIRECT_URI}?type=batch&batchId=${batchId}`,
             merchantBatchId: batchId
           },
           payments: payments.map((p) => ({
             merchantTransactionId: p.id,
-            creditorAccountIban: p.creditor.iban,
+            creditorAccountIban: resolveCzechDomesticIban(p.creditor),
             amount: p.amount,
             variableSymbol: p.vs ?? (p.ss ? void 0 : autoVariableSymbol(p.id)),
             specificSymbol: p.ss,
@@ -1047,7 +1104,7 @@ class FinbricksConnector extends IBankConnector {
       payment.currency
     );
     const creditorBic = payment.creditor.swiftBic ?? payment.creditor.bicCor;
-    const creditorAgent = creditorIdentification.type === "BBAN" && creditorBic ? {
+    const creditorAgent = creditorBic ? {
       financialInstitutionIdentification: { bic: creditorBic }
     } : void 0;
     const reference = buildPaymentReference({
@@ -1183,6 +1240,10 @@ class FinbricksConnector extends IBankConnector {
     };
   }
   async initiateDomesticPayment(payment) {
+    const debtorAccount = this.connectedAccounts.find(
+      (acc) => acc.iban === payment.debtor.iban
+    );
+    const clientId = await this.getClientId(debtorAccount.id);
     const [response, error] = await useResult(
       this.finbricks.request({
         endpoint: FINBRICKS_ENDPOINTS.TRANSACTION_INIT,
@@ -1191,8 +1252,8 @@ class FinbricksConnector extends IBankConnector {
           merchantId: this.finbricks.MERCHANT_ID,
           merchantTransactionId: payment.id,
           totalPrice: payment.amount,
-          debtorAccountIban: payment.debtor.iban,
-          creditorAccountIban: payment.creditor.iban,
+          debtorAccountIban: resolveCzechDomesticIban(payment.debtor),
+          creditorAccountIban: resolveCzechDomesticIban(payment.creditor),
           creditorName: payment.creditor.holderName,
           description: this.PROVIDER === "CSOB" ? composeWithUltimateCreditor(payment.message, payment.creditor, {
             stripDiacritics: payment.currency !== "CZK"
@@ -1201,6 +1262,7 @@ class FinbricksConnector extends IBankConnector {
           specificSymbol: payment.ss,
           constantSymbol: payment.ks,
           callbackUrl: `${this.finbricks.REDIRECT_URI}?type=paymentRequest&paymentRequestId=${payment.id}`,
+          clientId,
           paymentProvider: this.PROVIDER,
           instructionPriority: payment.instructionPriority ?? "NORM"
         }
@@ -2407,74 +2469,6 @@ const ottInsertSchema = createInsertSchema(ott);
 const ottUpdateSchema = createUpdateSchema(ott);
 const ottSelectSchema = createSelectSchema(ott);
 
-class AirBankConnector extends FinbricksConnector {
-  constructor(config) {
-    super("AIRBANK", config);
-  }
-  supportsBatch() {
-    return false;
-  }
-}
-
-class CreditasConnector extends FinbricksConnector {
-  constructor(config) {
-    super("CREDITAS", config);
-  }
-  /**
-   * Creditas bank doesn't support batch payments at all.
-   */
-  supportsBatch() {
-    return false;
-  }
-}
-
-class CSASConnector extends FinbricksConnector {
-  constructor(config) {
-    super("CSAS", config);
-  }
-  supportsBatch(paymentType) {
-    return paymentType === "DOMESTIC";
-  }
-}
-
-class FioConnector extends FinbricksConnector {
-  constructor(config) {
-    super("FIO", config);
-  }
-  /**
-   * FIO supports batch only for DOMESTIC (CZK) payments.
-   * SEPA and SWIFT batch support is planned by Finbricks.
-   */
-  supportsBatch(paymentType) {
-    return paymentType === "DOMESTIC";
-  }
-}
-
-class MonetaConnector extends FinbricksConnector {
-  constructor(config) {
-    super("MONETA", config);
-  }
-  /**
-   * MONETA supports batch only for DOMESTIC (CZK) payments.
-   * SEPA and SWIFT batch support is planned by Finbricks.
-   */
-  supportsBatch(paymentType) {
-    return paymentType === "DOMESTIC";
-  }
-  /**
-   * MONETA rejects all special characters in endToEndIdentification.
-   * Boundaries between segments are unambiguous without a separator —
-   * `VS`/`SS`/`KS` prefixes are alphabetic and values are always numeric,
-   * so the parsing regex `VS[:\s]*(\d+)` extracts each value correctly.
-   *
-   * Format: `VS1234SS5678KS0308` (max 30 chars).
-   * Confirmed by Finbricks support (2026-04-23).
-   */
-  buildEndToEndId(payment) {
-    return buildEndToEndId(payment, { separator: "" });
-  }
-}
-
 const isDeposit = (payment, creditorIban) => {
   return payment.creditor.iban === creditorIban;
 };
@@ -2483,177 +2477,4 @@ const getPaymentDirection = (payment, iban) => {
   return "OUTGOING";
 };
 
-const initiateConnector = async ({
-  bank,
-  env,
-  connectedAccounts,
-  resolveCredentials
-}) => {
-  switch (bank) {
-    case "ERSTE":
-      return new ErsteConnector({
-        API_KEY: (await env.SECRETS_STORE.get({
-          secretName: "BANK_SERVICE_ERSTE_API_KEY"
-        })).data?.secretValue || "",
-        CLIENT_ID: (await env.SECRETS_STORE.get({
-          secretName: "BANK_SERVICE_ERSTE_CLIENT_ID"
-        })).data?.secretValue || "",
-        CLIENT_SECRET: (await env.SECRETS_STORE.get({
-          secretName: "BANK_SERVICE_ERSTE_CLIENT_SECRET"
-        })).data?.secretValue || "",
-        REDIRECT_URI: env.REDIRECT_URI,
-        AUTH_URI: env.ERSTE_AUTH_URI,
-        PAYMENTS_URI: env.ERSTE_PAYMENTS_URI,
-        ACCOUNTS_URI: env.ERSTE_ACCOUNTS_URI,
-        connectedAccounts,
-        resolveCredentials
-      });
-    case "CREDITAS":
-      return new CreditasConnector({
-        BASE_URI: env.FINBRICKS_BASE_URI,
-        MERCHANT_ID: env.FINBRICKS_MERCHANT_ID,
-        PRIVATE_KEY_PEM: (await env.SECRETS_STORE.get({
-          secretName: "BANK_SERVICE_FINBRICKS_PRIVATE_KEY_PEM"
-        })).data?.secretValue || "",
-        REDIRECT_URI: env.REDIRECT_URI,
-        connectedAccounts,
-        resolveCredentials
-      });
-    case "MOCK_COBS":
-      return new MockCobsConnector({
-        BASE_URI: env.FINBRICKS_BASE_URI,
-        MERCHANT_ID: env.FINBRICKS_MERCHANT_ID,
-        PRIVATE_KEY_PEM: (await env.SECRETS_STORE.get({
-          secretName: "BANK_SERVICE_FINBRICKS_PRIVATE_KEY_PEM"
-        })).data?.secretValue || "",
-        REDIRECT_URI: env.REDIRECT_URI,
-        connectedAccounts,
-        resolveCredentials
-      });
-    case "FIO":
-      return new FioConnector({
-        BASE_URI: env.FINBRICKS_BASE_URI,
-        MERCHANT_ID: env.FINBRICKS_MERCHANT_ID,
-        PRIVATE_KEY_PEM: (await env.SECRETS_STORE.get({
-          secretName: "BANK_SERVICE_FINBRICKS_PRIVATE_KEY_PEM"
-        })).data?.secretValue || "",
-        REDIRECT_URI: env.REDIRECT_URI,
-        connectedAccounts,
-        resolveCredentials
-      });
-    case "MONETA":
-      return new MonetaConnector({
-        BASE_URI: env.FINBRICKS_BASE_URI,
-        MERCHANT_ID: env.FINBRICKS_MERCHANT_ID,
-        PRIVATE_KEY_PEM: (await env.SECRETS_STORE.get({
-          secretName: "BANK_SERVICE_FINBRICKS_PRIVATE_KEY_PEM"
-        })).data?.secretValue || "",
-        REDIRECT_URI: env.REDIRECT_URI,
-        connectedAccounts,
-        resolveCredentials
-      });
-    case "AIRBANK":
-      return new AirBankConnector({
-        BASE_URI: env.FINBRICKS_BASE_URI,
-        MERCHANT_ID: env.FINBRICKS_MERCHANT_ID,
-        PRIVATE_KEY_PEM: (await env.SECRETS_STORE.get({
-          secretName: "BANK_SERVICE_FINBRICKS_PRIVATE_KEY_PEM"
-        })).data?.secretValue || "",
-        REDIRECT_URI: env.REDIRECT_URI,
-        connectedAccounts,
-        resolveCredentials
-      });
-    case "CSAS":
-      return new CSASConnector({
-        BASE_URI: env.FINBRICKS_BASE_URI,
-        MERCHANT_ID: env.FINBRICKS_MERCHANT_ID,
-        PRIVATE_KEY_PEM: (await env.SECRETS_STORE.get({
-          secretName: "BANK_SERVICE_FINBRICKS_PRIVATE_KEY_PEM"
-        })).data?.secretValue || "",
-        REDIRECT_URI: env.REDIRECT_URI,
-        connectedAccounts,
-        resolveCredentials
-      });
-    case "KB":
-      return new KBConnector({
-        BASE_URI: env.FINBRICKS_BASE_URI,
-        MERCHANT_ID: env.FINBRICKS_MERCHANT_ID,
-        PRIVATE_KEY_PEM: (await env.SECRETS_STORE.get({
-          secretName: "BANK_SERVICE_FINBRICKS_PRIVATE_KEY_PEM"
-        })).data?.secretValue || "",
-        REDIRECT_URI: env.REDIRECT_URI,
-        connectedAccounts,
-        resolveCredentials
-      });
-    case "CSOB":
-      return new CsobConnector({
-        BASE_URI: env.FINBRICKS_BASE_URI,
-        MERCHANT_ID: env.FINBRICKS_MERCHANT_ID,
-        PRIVATE_KEY_PEM: (await env.SECRETS_STORE.get({
-          secretName: "BANK_SERVICE_FINBRICKS_PRIVATE_KEY_PEM"
-        })).data?.secretValue || "",
-        REDIRECT_URI: env.REDIRECT_URI,
-        connectedAccounts,
-        resolveCredentials
-      });
-    case "DBU":
-      return new DbuConnector({
-        BASE_URL: env.DBUCS_BASE_URI,
-        USERNAME: env.DBUCS_USERNAME,
-        APPLICATION_CODE: env.DBUCS_APPLICATION_CODE,
-        KV: env.BANK_KV,
-        API: env.DBU_CBS_BACKOFFICE_DEV,
-        REDIRECT_URI: env.REDIRECT_URI,
-        TX_AUTH_URI: env.DBUCS_TX_AUTH_URI,
-        connectedAccounts
-      });
-    default:
-      const mockConnector = new MockConnector();
-      mockConnector.connectedAccounts = connectedAccounts;
-      return mockConnector;
-  }
-};
-function mod97(string) {
-  let checksum = string.slice(0, 2);
-  let fragment = "";
-  for (let offset = 2; offset < string.length; offset += 7) {
-    fragment = checksum + string.substring(offset, offset + 7);
-    checksum = (parseInt(fragment, 10) % 97).toString();
-  }
-  return parseInt(checksum, 10);
-}
-const parseCzechIban = (iban) => {
-  const stripped = iban.replace(/\s/g, "").toUpperCase();
-  if (!stripped.startsWith("CZ") || stripped.length !== 24) {
-    throw new Error(`Invalid Czech IBAN: ${iban}`);
-  }
-  const bankCode = stripped.slice(4, 8);
-  const prefix = stripped.slice(8, 14).replace(/^0+/, "");
-  const main = stripped.slice(14, 24).replace(/^0+/, "");
-  const accountNumber = prefix ? `${prefix}-${main}` : main;
-  return { bankCode, accountNumber };
-};
-const calculateCzechIban = (accountNumber, bankCode) => {
-  const paddedBankCode = bankCode.padStart(4, "0");
-  let prefix = "";
-  let mainAccount = accountNumber;
-  if (accountNumber.includes("-")) {
-    const parts = accountNumber.split("-");
-    if (parts.length !== 2) {
-      throw new Error(
-        `Invalid account number format: expected "prefix-main" or "main", got "${accountNumber}"`
-      );
-    }
-    prefix = parts[0];
-    mainAccount = parts[1];
-  }
-  const paddedPrefix = prefix.padStart(6, "0");
-  const paddedAccount = mainAccount.padStart(10, "0");
-  const basicIban = paddedBankCode + paddedPrefix + paddedAccount;
-  const rearranged = basicIban + "123500";
-  const remainder = mod97(rearranged);
-  const checkDigits = (98 - remainder).toString().padStart(2, "0");
-  return `CZ${checkDigits}${basicIban}`;
-};
-
-export { useFinbricksFetch as A, BASE_TERMINAL_STATUSES as B, CsobConnector as C, DbuConnector as D, ErsteConnector as E, FINBRICKS_ENDPOINTS as F, tables as G, relations as H, IBankConnector as I, initiateConnector as J, KBConnector as K, getNonTerminalPaymentRequestsQuery as L, MockCobsConnector as M, calculateCzechIban as N, FinbricksClient as a, FinbricksConnector as b, MockConnector as c, accountCredentialsInsertSchema as d, accountCredentialsSelectSchema as e, accountCredentialsUpdateSchema as f, accountInsertSchema as g, accountSelectSchema as h, accountUpdateSchema as i, assignAccount as j, dbuAccountConfigSchema as k, hasPaymentAccountAssigned as l, isPaymentCompleted as m, isPendingStatus as n, isProcessedStatus as o, isTerminalStatus as p, ottInsertSchema as q, ottSelectSchema as r, ottUpdateSchema as s, signFinbricksJws as t, toBatchedPayment as u, toBatchedPaymentFromPaymentRequest as v, toCompletedPayment as w, toIncomingPayment as x, toPaymentRequestInsert as y, toPreparedPayment as z };
+export { useFinbricksFetch as A, BASE_TERMINAL_STATUSES as B, CsobConnector as C, DbuConnector as D, ErsteConnector as E, FINBRICKS_ENDPOINTS as F, tables as G, relations as H, IBankConnector as I, buildEndToEndId as J, KBConnector as K, getNonTerminalPaymentRequestsQuery as L, MockCobsConnector as M, calculateCzechIban as N, FinbricksClient as a, FinbricksConnector as b, MockConnector as c, accountCredentialsInsertSchema as d, accountCredentialsSelectSchema as e, accountCredentialsUpdateSchema as f, accountInsertSchema as g, accountSelectSchema as h, accountUpdateSchema as i, assignAccount as j, dbuAccountConfigSchema as k, hasPaymentAccountAssigned as l, isPaymentCompleted as m, isPendingStatus as n, isProcessedStatus as o, isTerminalStatus as p, ottInsertSchema as q, ottSelectSchema as r, ottUpdateSchema as s, signFinbricksJws as t, toBatchedPayment as u, toBatchedPaymentFromPaymentRequest as v, toCompletedPayment as w, toIncomingPayment as x, toPaymentRequestInsert as y, toPreparedPayment as z };