apskel-pos-backend/internal/processor/wallet_transfer_processor.go

package processor

import (
	"context"
	"errors"
	"fmt"
	"strconv"
	"strings"
	"time"
	"unicode/utf8"

	"github.com/google/uuid"

	"apskel-pos-be/internal/constants"
	"apskel-pos-be/internal/logger"
	"apskel-pos-be/internal/models"
	"apskel-pos-be/internal/repository"
	"apskel-pos-be/internal/util"
)

// ErrWalletRecipientNotFound means no customer of the sender's organization has the
// phone number. A customer of another organization is reported the same way, so the
// check does not reveal who uses the app elsewhere.
var ErrWalletRecipientNotFound = errors.New("no customer of this organization has that phone number")

// customerNotifier pushes a notification to a customer's app through FCM.
// CustomerDeviceProcessor is one.
type customerNotifier interface {
	Notify(ctx context.Context, customerID uuid.UUID, title, body string, data map[string]string) error
}

// NotificationTypeWalletTransferIn is the data type of the push a transfer recipient
// gets, so the app can open the transaction.
const NotificationTypeWalletTransferIn = "WALLET_TRANSFER_IN"

// WalletTransferProcessor sends EnakPoint or EnakCoin from one customer to another in
// the same organization (docs/prd-point-coin.md F5).
type WalletTransferProcessor struct {
	customers repository.WalletMoveRepository
	settings  organizationSettingsReader
	spendable spendableReader
	pins      pinVerifier
	wallet    *WalletProcessor
	tx        TxRunner
	notifier  customerNotifier
	now       func() time.Time
}

func NewWalletTransferProcessor(customers repository.WalletMoveRepository, settings organizationSettingsReader, spendable spendableReader, pins pinVerifier, wallet *WalletProcessor, tx TxRunner, notifier customerNotifier) *WalletTransferProcessor {
	return &WalletTransferProcessor{customers: customers, settings: settings, spendable: spendable, pins: pins, wallet: wallet, tx: tx, notifier: notifier, now: time.Now}
}

// Recipient is GET /customer/wallet/transfer/recipient: the masked name and number
// of the customer a phone number belongs to, if the sender may send to them.
func (p *WalletTransferProcessor) Recipient(ctx context.Context, senderID uuid.UUID, phoneNumber string) (*models.WalletTransferRecipient, error) {
	sender, err := p.customers.GetCustomer(ctx, senderID)
	if err != nil {
		return nil, err
	}
	recipient, err := p.recipient(ctx, sender, phoneNumber)
	if err != nil {
		return nil, err
	}
	return maskedRecipient(recipient), nil
}

// Transfer sends in.Amount of in.Currency to the customer with in.RecipientPhone,
// approved by the sender's PIN (K8), and tells the recipient.
//
// Both wallets are locked in customer_id order, so two transfers in opposite
// directions cannot deadlock. TRANSFER_OUT takes from the sender's lots in K9 order,
// and TRANSFER_IN gives the recipient lots with exactly the same expiries, pointing
// back at the sender's lots, so sending a balance back and forth cannot extend it.
// The two rows share a group and name each other's customer.
//
// idempotencyKey is the client's Idempotency-Key: a retry with the same key returns
// the first transfer without moving anything again or counting against the limits.
func (p *WalletTransferProcessor) Transfer(ctx context.Context, senderID uuid.UUID, in models.WalletTransfer, pin, idempotencyKey string, info models.CustomerPinRequestInfo) (*models.WalletTransferResult, error) {
	reject := func(format string, args ...any) error {
		return fmt.Errorf("%w: %s", ErrWalletMoveRejected, fmt.Sprintf(format, args...))
	}
	key, err := walletMoveKey(idempotencyKey)
	if err != nil {
		return nil, err
	}
	currency := strings.ToUpper(strings.TrimSpace(in.Currency))
	if !constants.IsValidWalletCurrency(currency) {
		return nil, reject("currency must be POINT or COIN")
	}
	if in.Amount <= 0 {
		return nil, reject("the amount must be positive")
	}
	sender, err := p.customers.GetCustomer(ctx, senderID)
	if err != nil {
		return nil, err
	}
	if !sender.IsActive {
		return nil, reject("the customer is not active")
	}
	settings, err := p.settings.Organization(ctx, sender.OrganizationID)
	if err != nil {
		return nil, err
	}
	limits := settings.Transfer
	switch {
	case !limits.Enabled:
		return nil, reject("transfers are turned off")
	case in.Amount < limits.MinAmount:
		return nil, reject("at least %d can be sent at a time", limits.MinAmount)
	case limits.MaxPerTransaction != nil && in.Amount > *limits.MaxPerTransaction:
		return nil, reject("at most %d can be sent at a time", *limits.MaxPerTransaction)
	}
	recipient, err := p.recipient(ctx, sender, in.RecipientPhone)
	if err != nil {
		return nil, err
	}
	// Everything the request alone can get wrong is refused above, before the PIN, so
	// it costs no attempt. The PIN also refuses a transfer held after a PIN reset.
	if err := p.pins.VerifyPin(ctx, senderID, pin, PinActionTransfer, info); err != nil {
		return nil, err
	}

	to, from := maskedRecipient(recipient), maskedRecipient(sender)
	outKey := fmt.Sprintf("transfer:%s:%s:out", senderID, key)
	inKey := fmt.Sprintf("transfer:%s:%s:in", senderID, key)
	result := &models.WalletTransferResult{Currency: currency, Amount: in.Amount, Recipient: *to}
	var receivedID uuid.UUID
	err = p.tx.WithTransaction(ctx, func(ctx context.Context) error {
		if err := p.wallet.LockWallets(ctx, senderID, recipient.ID); err != nil {
			return err
		}
		groupID, outID, inID := uuid.New(), uuid.New(), uuid.New()
		previous, err := p.wallet.FindTransaction(ctx, outKey)
		if err != nil {
			return err
		}
		if previous != nil {
			// A retry: it replays below, so it must not count against the daily limit
			// it is already part of.
			if previous.CounterpartyCustomerID == nil || *previous.CounterpartyCustomerID != recipient.ID || previous.GroupID == nil {
				return ErrWalletIdempotencyConflict
			}
			outID, inID, groupID = previous.ID, previous.ReferenceID, *previous.GroupID
		} else if limits.DailyLimit != nil {
			sent, err := p.customers.TransferredOutSince(ctx, senderID, currency, startOfWalletDay(p.now()))
			if err != nil {
				return err
			}
			if sent+in.Amount > *limits.DailyLimit {
				return reject("at most %d can be sent per day; %d is left today", *limits.DailyLimit, max(*limits.DailyLimit-sent, 0))
			}
		}

		out, err := p.wallet.Debit(ctx, WalletDebitInput{WalletEntry: WalletEntry{
			TransactionID:          outID,
			CustomerID:             senderID,
			Currency:               currency,
			Type:                   constants.WalletTxTypeTransferOut,
			Amount:                 in.Amount,
			ReferenceType:          constants.WalletRefTypeWalletTx,
			ReferenceID:            inID,
			GroupID:                &groupID,
			CounterpartyCustomerID: &recipient.ID,
			Description:            truncateRunes(fmt.Sprintf("Transfer ke %s (%s)", to.Name, to.PhoneNumber), walletDescriptionLimit),
			IdempotencyKey:         outKey,
		}})
		if errors.Is(err, repository.ErrWalletInsufficientBalance) {
			return reject("not enough %s", walletCurrencyName(currency))
		}
		if err != nil {
			return err
		}
		received, err := p.wallet.Credit(ctx, WalletCreditInput{
			WalletEntry: WalletEntry{
				TransactionID:          inID,
				CustomerID:             recipient.ID,
				Currency:               currency,
				Type:                   constants.WalletTxTypeTransferIn,
				Amount:                 in.Amount,
				ReferenceType:          constants.WalletRefTypeWalletTx,
				ReferenceID:            outID,
				GroupID:                &groupID,
				CounterpartyCustomerID: &senderID,
				Description:            truncateRunes(fmt.Sprintf("Transfer dari %s (%s)", from.Name, from.PhoneNumber), walletDescriptionLimit),
				IdempotencyKey:         inKey,
			},
			Lots: out.CarryOver(),
		})
		if err != nil {
			return err
		}
		result.GroupID = groupID
		result.Lots = movedLots(received.Lots)
		result.Replayed = out.Replayed
		receivedID = received.Transaction.ID
		return nil
	})
	if err != nil {
		return nil, err
	}

	if !result.Replayed {
		p.tellRecipient(ctx, recipient.ID, from, currency, in.Amount, receivedID, result.GroupID)
	}
	balances, err := p.spendable.SpendableBalances(ctx, senderID, p.now())
	if err != nil {
		return nil, err
	}
	result.Balance = balances[currency]
	return result, nil
}

// recipient finds who a phone number belongs to and checks the sender may send to
// them: an active customer of the same organization, not the walk-in customer, and
// not the sender.
func (p *WalletTransferProcessor) recipient(ctx context.Context, sender *repository.WalletMoveCustomer, phoneNumber string) (*repository.WalletMoveCustomer, error) {
	if strings.TrimSpace(phoneNumber) == "" {
		return nil, fmt.Errorf("%w: the recipient's phone number is required", ErrWalletMoveRejected)
	}
	phoneNumber, err := util.NormalizePhoneNumber(phoneNumber)
	if err != nil {
		return nil, fmt.Errorf("%w: the recipient's phone number is not valid", ErrWalletMoveRejected)
	}
	recipient, err := p.customers.FindCustomerByPhone(ctx, phoneNumber)
	if errors.Is(err, repository.ErrWalletNotFound) {
		return nil, ErrWalletRecipientNotFound
	}
	if err != nil {
		return nil, err
	}
	switch {
	case recipient.OrganizationID != sender.OrganizationID:
		return nil, ErrWalletRecipientNotFound
	case recipient.ID == sender.ID:
		return nil, fmt.Errorf("%w: you cannot send to yourself", ErrWalletMoveRejected)
	case recipient.IsDefault || !recipient.IsActive:
		return nil, fmt.Errorf("%w: this customer cannot receive transfers", ErrWalletMoveRejected)
	}
	return recipient, nil
}

// tellRecipient pushes the transfer to the recipient's app (F5). It is best effort:
// the transfer has already happened, so a failure to send is only logged.
func (p *WalletTransferProcessor) tellRecipient(ctx context.Context, recipientID uuid.UUID, sender *models.WalletTransferRecipient, currency string, amount int64, transactionID, groupID uuid.UUID) {
	if p.notifier == nil {
		return
	}
	name := walletCurrencyName(currency)
	title := name + " masuk"
	body := fmt.Sprintf("Kamu menerima %d %s dari %s (%s).", amount, name, sender.Name, sender.PhoneNumber)
	data := map[string]string{
		"type":           NotificationTypeWalletTransferIn,
		"transaction_id": transactionID.String(),
		"group_id":       groupID.String(),
		"currency":       currency,
		"amount":         strconv.FormatInt(amount, 10),
	}
	if err := p.notifier.Notify(ctx, recipientID, title, body, data); err != nil {
		logger.NonContext.Error(fmt.Sprintf("Could not tell customer %s about a transfer", recipientID), err)
	}
}

func maskedRecipient(c *repository.WalletMoveCustomer) *models.WalletTransferRecipient {
	phone := ""
	if c.PhoneNumber != nil {
		phone = maskPhoneNumber(*c.PhoneNumber)
	}
	return &models.WalletTransferRecipient{Name: maskName(c.Name), PhoneNumber: phone}
}

// maskName keeps the first two letters of each word, "Budi Santoso" → "Bu*** Sa***",
// and one letter of a word that short, so the sender can recognise the recipient
// without the app revealing their name (F5, §8.1).
func maskName(name string) string {
	words := strings.Fields(name)
	if len(words) == 0 {
		return "***"
	}
	for i, w := range words {
		keep := 2
		if utf8.RuneCountInString(w) <= 2 {
			keep = 1
		}
		words[i] = string([]rune(w)[:keep]) + "***"
	}
	return strings.Join(words, " ")
}

// maskPhoneNumber keeps the first two and the last four digits of the number as
// customers write it, with 0 for 62: "6281234561234" → "08**-****-1234".
func maskPhoneNumber(phone string) string {
	phone = strings.TrimSpace(phone)
	if strings.HasPrefix(phone, "62") {
		phone = "0" + phone[2:]
	}
	runes := []rune(phone)
	if len(runes) < 8 {
		return "****"
	}
	return string(runes[:2]) + "**-****-" + string(runes[len(runes)-4:])
}

func walletCurrencyName(currency string) string {
	if currency == constants.WalletCurrencyCoin {
		return "EnakCoin"
	}
	return "EnakPoint"
}

// startOfWalletDay is midnight of t's day in the customer's time zone, where the
// daily transfer limit starts over.
func startOfWalletDay(t time.Time) time.Time {
	local := t.In(walletDisplayLocation)
	return time.Date(local.Year(), local.Month(), local.Day(), 0, 0, 0, 0, walletDisplayLocation)
}