@etherisc/gif-next 0.0.2-ee7cb16-393 → 0.0.2-ef15ccf-423

package/contracts/product/ClaimService.sol

@@ -0,0 +1,626 @@
+// SPDX-License-Identifier: Apache-2.0
+pragma solidity ^0.8.20;
+
+import {IClaimService} from "./IClaimService.sol";
+import {IInstance} from "../instance/IInstance.sol";
+import {IPolicy} from "../instance/module/IPolicy.sol";
+import {IPolicyHolder} from "../shared/IPolicyHolder.sol";
+import {IPoolComponent} from "../pool/IPoolComponent.sol";
+import {IPolicyService} from "../product/IPolicyService.sol";
+import {IPoolService} from "../pool/IPoolService.sol";
+import {IRegistry} from "../registry/IRegistry.sol";
+
+import {Amount, AmountLib} from "../type/Amount.sol";
+import {ClaimId, ClaimIdLib} from "../type/ClaimId.sol";
+import {ContractLib} from "../shared/ContractLib.sol";
+import {InstanceReader} from "../instance/InstanceReader.sol";
+import {InstanceStore} from "../instance/InstanceStore.sol";
+import {NftId} from "../type/NftId.sol";
+import {ObjectType, CLAIM, POLICY, POOL, PRODUCT} from "../type/ObjectType.sol";
+import {PayoutId, PayoutIdLib} from "../type/PayoutId.sol";
+import {ProductStore} from "../instance/ProductStore.sol";
+import {Service} from "../shared/Service.sol";
+import {StateId} from "../type/StateId.sol";
+import {SUBMITTED, KEEP_STATE, DECLINED, REVOKED, CANCELLED, CONFIRMED, CLOSED, EXPECTED, PAID} from "../type/StateId.sol";
+import {TimestampLib} from "../type/Timestamp.sol";
+
+
+contract ClaimService is 
+    Service, 
+    IClaimService
+{
+
+    IPolicyService internal _policyService;
+    IPoolService internal _poolService;
+
+    function _initialize(
+        address owner, 
+        bytes memory data
+    )
+        internal
+        virtual override
+        initializer()
+    {
+        (
+            address authority,
+            address registry
+        ) = abi.decode(data, (address, address));
+
+        __Service_init(authority, registry, owner);
+
+        _policyService = IPolicyService(getRegistry().getServiceAddress(POLICY(), getVersion().toMajorPart()));
+        _poolService = IPoolService(getRegistry().getServiceAddress(POOL(), getVersion().toMajorPart()));
+
+        _registerInterface(type(IClaimService).interfaceId);
+    }
+
+    function submit(
+        NftId policyNftId, 
+        Amount claimAmount,
+        bytes memory claimData // claim submission data
+    )
+        external
+        virtual
+        // nonReentrant() // prevents creating a reinsurance claim in a single tx
+        restricted()
+        returns (ClaimId claimId)
+    {
+        // checks
+        (
+            ,,
+            IInstance.InstanceContracts memory instanceContracts,
+            IPolicy.PolicyInfo memory policyInfo
+        ) = _verifyCallerWithPolicy(policyNftId);
+
+        // check policy is in its active period
+        if(policyInfo.activatedAt.eqz() || TimestampLib.current() >= policyInfo.expiredAt) {
+            revert ErrorClaimServicePolicyNotOpen(policyNftId);
+        }
+
+        _checkClaimAmount(policyNftId, policyInfo, claimAmount);
+
+        // effects
+        // create new claim
+        claimId = ClaimIdLib.toClaimId(policyInfo.claimsCount + 1);
+        instanceContracts.instanceStore.createClaim(
+            policyNftId, 
+            claimId, 
+            IPolicy.ClaimInfo({
+                claimAmount: claimAmount,
+                paidAmount: AmountLib.zero(),
+                payoutsCount: 0,
+                openPayoutsCount: 0,
+                submissionData: claimData,
+                processData: "",
+                closedAt: TimestampLib.zero()}));
+
+        // update and save policy info with instance
+        // policy claim amount is only updated when claim is confirmed
+        policyInfo.claimsCount += 1;
+        policyInfo.openClaimsCount += 1;
+        instanceContracts.productStore.updatePolicyClaims(policyNftId, policyInfo, KEEP_STATE());
+
+        emit LogClaimServiceClaimSubmitted(policyNftId, claimId, claimAmount);
+    }
+
+
+    function confirm(
+        NftId policyNftId, 
+        ClaimId claimId,
+        Amount confirmedAmount,
+        bytes memory data // claim processing data
+    )
+        external
+        virtual
+        restricted()
+        // nonReentrant() // prevents creating a reinsurance claim in a single tx
+    {
+        // checks
+        _checkNftType(policyNftId, POLICY());
+
+        (
+            NftId productNftId,
+            IInstance instance,
+            IInstance.InstanceContracts memory instanceContracts,
+            IPolicy.PolicyInfo memory policyInfo
+        ) = _verifyCallerWithPolicy(policyNftId);
+
+        _checkClaimAmount(policyNftId, policyInfo, confirmedAmount);
+
+        // effects
+        // check/update claim info
+        IPolicy.ClaimInfo memory claimInfo = _verifyClaim(instanceContracts.instanceReader, policyNftId, claimId, SUBMITTED());
+        claimInfo.claimAmount = confirmedAmount;
+        claimInfo.processData = data;
+        instanceContracts.instanceStore.updateClaim(policyNftId, claimId, claimInfo, CONFIRMED());
+
+        // update and save policy info with instance
+        policyInfo.claimAmount = policyInfo.claimAmount + confirmedAmount;
+        instanceContracts.productStore.updatePolicyClaims(policyNftId, policyInfo, KEEP_STATE());
+
+        // should policy still be active it needs to become expired
+        if (policyInfo.claimAmount >= policyInfo.sumInsuredAmount) {
+            _policyService.expirePolicy(instance, policyNftId, TimestampLib.current());
+        }
+
+        emit LogClaimServiceClaimConfirmed(policyNftId, claimId, confirmedAmount);
+
+        // interactions
+        // callback to pool if applicable
+        _processConfirmedClaimByPool(instanceContracts.instanceReader, productNftId, policyNftId, claimId, confirmedAmount);
+
+        // callback to policy holder if applicable
+        _policyHolderClaimConfirmed(policyNftId, claimId, confirmedAmount);
+    }
+
+
+    function decline(
+        NftId policyNftId, 
+        ClaimId claimId,
+        bytes memory data // claim processing data
+    )
+        external
+        virtual
+        restricted()
+        // nonReentrant() // prevents creating a reinsurance claim in a single tx
+    {
+        _checkNftType(policyNftId, POLICY());
+
+        (
+            ,,
+            IInstance.InstanceContracts memory instanceContracts,
+            IPolicy.PolicyInfo memory policyInfo
+        ) = _verifyCallerWithPolicy(policyNftId);
+
+        // check/update claim info
+        IPolicy.ClaimInfo memory claimInfo = _verifyClaim(instanceContracts.instanceReader, policyNftId, claimId, SUBMITTED());
+        claimInfo.processData = data;
+        claimInfo.closedAt = TimestampLib.current();
+        instanceContracts.instanceStore.updateClaim(policyNftId, claimId, claimInfo, DECLINED());
+
+        // update and save policy info with instance
+        policyInfo.openClaimsCount -= 1;
+        instanceContracts.productStore.updatePolicyClaims(policyNftId, policyInfo, KEEP_STATE());
+
+        emit LogClaimServiceClaimDeclined(policyNftId, claimId);
+    }
+
+
+    function revoke(
+        NftId policyNftId, 
+        ClaimId claimId
+    )
+        external
+        virtual
+        restricted()
+        // nonReentrant() // prevents creating a reinsurance claim in a single tx
+    {        
+        (
+            ,,
+            IInstance.InstanceContracts memory instanceContracts,
+            IPolicy.PolicyInfo memory policyInfo
+        ) = _verifyCallerWithPolicy(policyNftId);
+
+        // check/update claim info
+        IPolicy.ClaimInfo memory claimInfo = _verifyClaim(instanceContracts.instanceReader, policyNftId, claimId, SUBMITTED());
+        claimInfo.closedAt = TimestampLib.current();
+        instanceContracts.instanceStore.updateClaim(policyNftId, claimId, claimInfo, REVOKED());
+
+        // update and save policy info with instance
+        policyInfo.openClaimsCount -= 1;
+        instanceContracts.productStore.updatePolicyClaims(policyNftId, policyInfo, KEEP_STATE());
+
+        emit LogClaimServiceClaimRevoked(policyNftId, claimId);
+    }
+
+
+    function cancelConfirmedClaim(
+        NftId policyNftId, 
+        ClaimId claimId
+    )
+        external
+        virtual
+        restricted()
+        // nonReentrant() // prevents creating a reinsurance claim in a single tx
+    {
+        _checkNftType(policyNftId, POLICY());
+        
+        (
+            ,,
+            IInstance.InstanceContracts memory instanceContracts,
+        ) = _verifyCallerWithPolicy(policyNftId);
+
+        // check/update claim info
+        IPolicy.ClaimInfo memory claimInfo = _verifyClaim(instanceContracts.instanceReader, policyNftId, claimId, CONFIRMED());
+
+        // check claim has no open payouts
+        if(claimInfo.openPayoutsCount > 0) {
+            revert ErrorClaimServiceClaimWithOpenPayouts(
+                policyNftId, 
+                claimId, 
+                claimInfo.openPayoutsCount);
+        }
+
+        claimInfo.closedAt = TimestampLib.current();
+        instanceContracts.instanceStore.updateClaim(policyNftId, claimId, claimInfo, CANCELLED());
+
+        emit LogClaimServiceClaimCancelled(policyNftId, claimId);
+    }
+
+
+    function createPayoutForBeneficiary(
+        NftId policyNftId, 
+        ClaimId claimId,
+        Amount amount,
+        address beneficiary,
+        bytes memory data
+    )
+        external
+        virtual
+        restricted()
+        // nonReentrant() // prevents creating a reinsurance claim in a single tx
+        returns (PayoutId payoutId)
+    {
+        if (beneficiary == address(0)) {
+            revert ErrorClaimServiceBeneficiaryIsZero(policyNftId, claimId);
+        }
+
+        return _createPayout(
+            policyNftId, 
+            claimId, 
+            amount, 
+            beneficiary,
+            data);
+    }
+
+
+    function createPayout(
+        NftId policyNftId, 
+        ClaimId claimId,
+        Amount amount,
+        bytes memory data
+    )
+        external
+        virtual
+        restricted()
+        // nonReentrant() // prevents creating a reinsurance payout in a single tx
+        returns (PayoutId payoutId)
+    {
+        _checkNftType(policyNftId, POLICY());
+        
+        return _createPayout(
+            policyNftId, 
+            claimId, 
+            amount, 
+            address(0), // defaults to owner of policy nft
+            data);
+    }
+
+
+    function processPayout(
+        NftId policyNftId, 
+        PayoutId payoutId
+    )
+        external
+        virtual
+        restricted()
+        // nonReentrant() // prevents creating a reinsurance payout in a single tx
+        returns (Amount netPayoutAmount, Amount processingFeeAmount)
+    {
+        // checks
+        (
+            ,,
+            IInstance.InstanceContracts memory instanceContracts,
+            IPolicy.PolicyInfo memory policyInfo
+        ) = _verifyCallerWithPolicy(policyNftId);
+
+        IPolicy.ClaimInfo memory claimInfo;
+        address payoutBeneficiary;
+        Amount payoutAmount;
+        
+        {
+            // check that payout exists and is open
+            IPolicy.PayoutInfo memory payoutInfo = instanceContracts.instanceReader.getPayoutInfo(policyNftId, payoutId);
+            payoutBeneficiary = payoutInfo.beneficiary;
+            payoutAmount = payoutInfo.amount;
+            StateId payoutState = instanceContracts.instanceReader.getPayoutState(policyNftId, payoutId);
+            if(payoutState != EXPECTED()) {
+                revert ErrorClaimServicePayoutNotExpected(policyNftId, payoutId, payoutState);
+            }
+
+            // check that payout amount does not violate claim amount
+            claimInfo = instanceContracts.instanceReader.getClaimInfo(policyNftId, payoutId.toClaimId());
+            if(claimInfo.paidAmount + payoutInfo.amount > claimInfo.claimAmount) {
+                revert ErrorClaimServicePayoutExceedsClaimAmount(
+                    policyNftId, 
+                    payoutId.toClaimId(), 
+                    claimInfo.claimAmount, 
+                    claimInfo.paidAmount + payoutInfo.amount);
+            }
+
+            // effects
+            // update and save payout info with instance
+            payoutInfo.paidAt = TimestampLib.current();
+            instanceContracts.instanceStore.updatePayout(policyNftId, payoutId, payoutInfo, PAID());
+        }
+
+        // update and save claim info with instance
+        {
+            ClaimId claimId = payoutId.toClaimId();
+            claimInfo.paidAmount = claimInfo.paidAmount.add(payoutAmount);
+            claimInfo.openPayoutsCount -= 1;
+
+            // check if this payout is closing the linked claim
+            // update claim and policy info accordingly
+            if(claimInfo.openPayoutsCount == 0 && claimInfo.paidAmount == claimInfo.claimAmount) {
+                claimInfo.closedAt = TimestampLib.current();
+                instanceContracts.instanceStore.updateClaim(policyNftId, claimId, claimInfo, CLOSED());
+
+                policyInfo.openClaimsCount -= 1;
+            } else {
+                instanceContracts.instanceStore.updateClaim(policyNftId, claimId, claimInfo, KEEP_STATE());
+            }
+        }
+
+        // update and save policy info with instance
+        policyInfo.payoutAmount = policyInfo.payoutAmount + payoutAmount;
+        instanceContracts.productStore.updatePolicyClaims(policyNftId, policyInfo, KEEP_STATE());
+
+        emit LogClaimServicePayoutProcessed(policyNftId, payoutId, payoutAmount);
+
+        // effects + interactions (push tokens to beneficiary, product)
+        // delegate to pool to update book keeping and moving tokens payout
+        (netPayoutAmount, processingFeeAmount) = _poolService.processPayout(
+            instanceContracts.instanceReader,
+            instanceContracts.instanceStore, 
+            policyInfo.productNftId, // product nft id 
+            policyNftId, 
+            policyInfo.bundleNftId, 
+            payoutId,
+            payoutAmount,
+            payoutBeneficiary);
+    }
+
+    function cancelPayout(
+        NftId policyNftId, 
+        PayoutId payoutId
+    )
+        external
+        virtual
+        restricted()
+    {
+        // checks
+        (
+            ,,
+            IInstance.InstanceContracts memory instanceContracts,
+        ) = _verifyCallerWithPolicy(policyNftId);
+
+        StateId payoutState = instanceContracts.instanceReader.getPayoutState(policyNftId, payoutId);
+        if (payoutState != EXPECTED()) {
+            revert ErrorClaimServicePayoutNotExpected(policyNftId, payoutId, payoutState);
+        }
+
+        // effects
+        // update and save payout info with instance
+        instanceContracts.instanceStore.updatePayoutState(policyNftId, payoutId, CANCELLED());
+
+        {
+            ClaimId claimId = payoutId.toClaimId();
+            IPolicy.ClaimInfo memory claimInfo = instanceContracts.instanceReader.getClaimInfo(policyNftId, claimId);
+            claimInfo.openPayoutsCount -= 1;
+            instanceContracts.instanceStore.updateClaim(policyNftId, claimId, claimInfo, KEEP_STATE());
+        }
+
+        emit LogClaimServicePayoutCancelled(policyNftId, payoutId);
+    }
+
+    // internal functions
+
+    function _checkClaimAmount(
+        NftId policyNftId,
+        IPolicy.PolicyInfo memory policyInfo,
+        Amount claimAmount
+    )
+        internal
+        pure
+    {
+        // check claim amount > 0
+        if (claimAmount.eqz()) {
+            revert ErrorClaimServiceClaimAmountIsZero(policyNftId);
+        }
+
+        // check policy including this claim is still within sum insured
+        if(policyInfo.claimAmount + claimAmount > policyInfo.sumInsuredAmount) {
+            revert ErrorClaimServiceClaimExceedsSumInsured(
+                policyNftId, 
+                policyInfo.sumInsuredAmount,
+                policyInfo.payoutAmount + claimAmount);
+        }
+    }
+
+    function _createPayout(
+        NftId policyNftId, 
+        ClaimId claimId,
+        Amount amount,
+        address beneficiary,
+        bytes memory data
+    )
+        internal
+        virtual
+        returns (PayoutId payoutId)
+    {
+        // checks
+        (
+            ,,
+            IInstance.InstanceContracts memory instanceContracts,
+            // IPolicy.PolicyInfo memory policyInfo
+        ) = _verifyCallerWithPolicy(policyNftId);
+
+        IPolicy.ClaimInfo memory claimInfo = instanceContracts.instanceReader.getClaimInfo(policyNftId, claimId);
+
+        {
+            // check claim state
+            StateId claimState = instanceContracts.instanceReader.getClaimState(policyNftId, claimId);
+            if (claimState != CONFIRMED()) {
+                revert ErrorClaimServiceClaimNotConfirmed(policyNftId, claimId, claimState);
+            }
+
+            // check total payout amount remains within claim limit
+            Amount newPaidAmount = claimInfo.paidAmount + amount;
+            if (newPaidAmount > claimInfo.claimAmount) {
+                revert ErrorClaimServicePayoutExceedsClaimAmount(
+                    policyNftId, claimId, claimInfo.claimAmount, newPaidAmount);
+            }
+        }
+
+        // effects
+        // create payout info with instance
+        uint24 payoutNo = claimInfo.payoutsCount + 1;
+        payoutId = PayoutIdLib.toPayoutId(claimId, payoutNo);
+        if (beneficiary == address(0)) {
+            beneficiary = getRegistry().ownerOf(policyNftId);
+        }
+
+        instanceContracts.instanceStore.createPayout(
+            policyNftId, 
+            payoutId, 
+            IPolicy.PayoutInfo({
+                claimId: payoutId.toClaimId(),
+                amount: amount,
+                beneficiary: beneficiary,
+                data: data,
+                paidAt: TimestampLib.zero()}));
+
+        // update and save claim info with instance
+        claimInfo.payoutsCount += 1;
+        claimInfo.openPayoutsCount += 1;
+        instanceContracts.instanceStore.updateClaim(policyNftId, claimId, claimInfo, KEEP_STATE());
+
+        emit LogClaimServicePayoutCreated(policyNftId, payoutId, amount, beneficiary);
+    }
+
+    /// @dev Verifies the caller is a product and the policy is active. 
+    /// Returns the product nft id, instance, instance contracts and policy info.
+    /// in InstanceContracts only the contracts instanceReader, instanceStore and productStore are set.
+    function _verifyCallerWithPolicy(
+        NftId policyNftId
+    )
+        internal
+        view
+        virtual
+        returns (
+            NftId productNftId,
+            IInstance instance,
+            IInstance.InstanceContracts memory instanceContracts,
+            IPolicy.PolicyInfo memory policyInfo
+        )
+    {
+        (productNftId, instance) = _getAndVerifyActiveProduct();
+        instanceContracts.instanceReader = InstanceReader(instance.getInstanceReader());
+        instanceContracts.instanceStore = InstanceStore(instance.getInstanceStore());
+        instanceContracts.productStore = ProductStore(instance.getProductStore());
+
+        // check caller(product) policy match
+        policyInfo = instanceContracts.instanceReader.getPolicyInfo(policyNftId);
+        if(policyInfo.productNftId != productNftId) {
+            revert ErrorClaimServicePolicyProductMismatch(policyNftId, 
+            policyInfo.productNftId, 
+            productNftId);
+        }
+    }
+
+
+    function _getAndVerifyActiveProduct() 
+        internal 
+        view 
+        returns (
+            NftId productNftId,
+            IInstance instance
+        )
+    {
+        (
+            IRegistry.ObjectInfo memory info,
+            address instanceAddress
+        ) = ContractLib.getAndVerifyComponent(
+            getRegistry(),
+            msg.sender, // caller
+            PRODUCT(),
+            true); // isActive 
+
+        // get component nft id and instance
+        productNftId = info.nftId;
+        instance = IInstance(instanceAddress);
+    }
+
+    function _verifyClaim(
+        InstanceReader instanceReader,
+        NftId policyNftId, 
+        ClaimId claimId, 
+        StateId expectedState
+    )
+        internal
+        view
+        returns (
+            IPolicy.ClaimInfo memory claimInfo
+        )
+    {
+        // check claim is created state
+        StateId claimState = instanceReader.getClaimState(policyNftId, claimId);
+        if(claimState != expectedState) {
+            revert ErrorClaimServiceClaimNotInExpectedState(
+                policyNftId, claimId, expectedState, claimState);
+        }
+
+        // get claim info
+        claimInfo = instanceReader.getClaimInfo(policyNftId, claimId);
+    }
+
+    function _processConfirmedClaimByPool(
+        InstanceReader instanceReader, 
+        NftId productNftId, 
+        NftId policyNftId, 
+        ClaimId claimId, 
+        Amount amount
+    )
+        internal
+    {
+        NftId poolNftId = instanceReader.getProductInfo(productNftId).poolNftId;
+        if (instanceReader.getPoolInfo(poolNftId).isProcessingConfirmedClaims) {
+            address poolAddress = getRegistry().getObjectAddress(poolNftId);
+            IPoolComponent(poolAddress).processConfirmedClaim(policyNftId, claimId, amount);
+        }
+    }
+
+
+    function _policyHolderClaimConfirmed(
+        NftId policyNftId, 
+        ClaimId claimId,
+        Amount confirmedAmount
+    )
+        internal
+    {
+        IPolicyHolder policyHolder = _getPolicyHolder(policyNftId);
+        if(address(policyHolder) != address(0)) {
+            policyHolder.claimConfirmed(policyNftId, claimId, confirmedAmount);
+        }
+    }
+
+    // TODO: move to policy helper lib or something
+    function _getPolicyHolder(NftId policyNftId)
+        internal 
+        view 
+        returns (IPolicyHolder policyHolder)
+    {
+        address policyHolderAddress = getRegistry().ownerOf(policyNftId);
+        policyHolder = IPolicyHolder(policyHolderAddress);
+
+        if (!ContractLib.isPolicyHolder(policyHolderAddress)) {
+            policyHolder = IPolicyHolder(address(0));
+        }
+    }
+
+
+    function _getDomain() internal pure override returns(ObjectType) {
+        return CLAIM();
+    }
+}

package/contracts/product/ClaimServiceManager.sol

@@ -0,0 +1,38 @@
+// SPDX-License-Identifier: Apache-2.0
+pragma solidity ^0.8.20;
+
+import {IVersionable} from "../upgradeability/IVersionable.sol";
+import {ProxyManager} from "../upgradeability/ProxyManager.sol";
+import {ClaimService} from "./ClaimService.sol";
+
+contract ClaimServiceManager is ProxyManager {
+
+    ClaimService private _claimService;
+
+    /// @dev initializes proxy manager with service implementation 
+    constructor(
+        address authority, 
+        address registry,
+        bytes32 salt
+    ) 
+    {
+        ClaimService svc = new ClaimService{salt: salt}();
+        bytes memory data = abi.encode(authority, registry);
+        IVersionable versionable = initialize(
+            registry,
+            address(svc), 
+            data,
+            salt);
+
+        _claimService = ClaimService(address(versionable));
+    }
+
+    //--- view functions ----------------------------------------------------//
+    function getClaimService()
+        external
+        view
+        returns (ClaimService)
+    {
+        return _claimService;
+    }
+}