package banking import ( "reflect" "strings" "testing" "finance-duck/internal/domain" ) func fixtureDataset() domain.Dataset { d := domain.NewDataset() d.Accounts = []domain.Account{{ID: "account_a", DisplayName: "N26", Currency: "EUR", IBAN: "DE02120300000000202051", Active: true}, {ID: "account_b", DisplayName: "Savings", Currency: "EUR", IBAN: "DE89370400440532013000", Active: true}} return d } func fixtureFacts() domain.Facts { return domain.Facts{Source: "n26_csv", AccountID: "account_a", BookingDate: "2026-09-01", Amount: "-12.30", Currency: "EUR", RawDescription: "Lunch", Counterparty: "Cafe", Fingerprint: "fixture"} } func TestN26SupportedExportSchemas(t *testing.T) { cases := []struct{ name, csv, amount, description, party, iban, value string }{ {"English legacy quoted multiline", "Date,Payee,Account number,Payment type,Payment reference,Amount (EUR),Amount (Foreign Currency),Type Foreign Currency,Exchange Rate\r\n2026-09-01,\"Cafe, Berlin\",DE02120300000000202051,MasterCard Payment,\"Lunch, first line\nsecond line\",-12.30,-14.50,USD,0.85\r\n", "-12.30", "Lunch, first line\nsecond line", "Cafe, Berlin", "DE02120300000000202051", ""}, {"German decimal comma semicolon BOM", "\ufeffDatum;Zahlungsempfänger;Kontonummer;Transaktionstyp;Verwendungszweck;Betrag (EUR);Betrag (Fremdwährung);Fremdwährung;Wechselkurs\n01.09.2026;Arbeitgeber;DE89 3704 0044 0532 0130 00;Überweisung;Gehalt;\"1.234,56\";;;\n", "1234.56", "Gehalt", "Arbeitgeber", "DE89370400440532013000", ""}, {"English booking and value dates", "Booking Date,Value Date,Partner Name,Partner IBAN,Type,Payment Reference,Account Name,Amount (EUR),Original Amount,Original Currency,Exchange Rate\n2026-09-01,2026-08-31,Cafe,DE02120300000000202051,Card,Lunch,Main,-12.30,-14.50,USD,0.85\n", "-12.30", "Lunch", "Cafe", "DE02120300000000202051", "2026-08-31"}, } for _, tt := range cases { t.Run(tt.name, func(t *testing.T) { rows, err := ParseCSV(strings.NewReader(tt.csv), fixtureDataset().Accounts[0]) if err != nil { t.Fatal(err) } if len(rows) != 1 { t.Fatalf("records: %d", len(rows)) } f := rows[0] if f.Amount.String() != tt.amount || f.RawDescription != tt.description || f.Counterparty != tt.party || f.CounterpartyIBAN != tt.iban || f.ValueDate != tt.value || f.BookingDate != "2026-09-01" || f.Currency != "EUR" { t.Fatalf("unexpected parsed facts: %+v", f) } }) } } func TestCSVRejectsPartialAndMalformedImports(t *testing.T) { for _, input := range []string{ "Date,Payee,Amount (Foreign Currency)\n2026-09-01,Cafe,-1.00\n", "Date,Amount (EUR)\n2026-09-01,-1.00\n2026-09-02,nope\n", "Date,Amount (EUR)\n2026-02-30,-1.00\n", "Date,Amount (EUR),Currency\n2026-09-01,-1.00,USD\n", "Date,Amount (EUR)\n2026-09-01,\"unterminated\n", } { rows, err := ParseCSV(strings.NewReader(input), fixtureDataset().Accounts[0]) if err == nil || rows != nil { t.Fatalf("accepted malformed/partial import %q", input) } } } func TestFallbackOccurrenceMultiplicityAndRepeatImport(t *testing.T) { d := fixtureDataset() f := fixtureFacts() rows, err := NormalizeAndDedupe(d, []domain.Facts{f, f}) if err != nil { t.Fatal(err) } if len(rows) != 2 || rows[0].Facts.ID == rows[1].Facts.ID { t.Fatalf("legitimate duplicate rows lost: %+v", rows) } d.Transactions = append(d.Transactions, rows...) again, err := NormalizeAndDedupe(d, []domain.Facts{f, f}) if err != nil || len(again) != 0 { t.Fatalf("repeat not idempotent: %v %+v", err, again) } added, err := NormalizeAndDedupe(d, []domain.Facts{f, f, f}) if err != nil || len(added) != 1 { t.Fatalf("new occurrence lost: %v %+v", err, added) } d.Transactions = append(d.Transactions, added...) again, err = NormalizeAndDedupe(d, []domain.Facts{f, f, f}) if err != nil || len(again) != 0 { t.Fatalf("expanded repeat not idempotent: %v %+v", err, again) } if err := domain.Validate(d); err != nil { t.Fatal(err) } } func TestUpstreamIdentityPreferredAndAccountScoped(t *testing.T) { d := fixtureDataset() a := fixtureFacts() a.Source = "enablebanking" a.ExternalID = "bank-entry-1" b := a b.AccountID = "account_b" rows, err := NormalizeAndDedupe(d, []domain.Facts{a, a, b}) if err != nil || len(rows) != 2 { t.Fatalf("account identity lost: %v %+v", err, rows) } d.Transactions = rows a.RawDescription = "Updated upstream display" a.ValueDate = "2026-09-02" again, err := NormalizeAndDedupe(d, []domain.Facts{a}) if err != nil || len(again) != 0 { t.Fatalf("upstream identity not preferred: %v %+v", err, again) } a.Amount = "-99.00" again, err = NormalizeAndDedupe(d, []domain.Facts{a}) if err == nil || again != nil { t.Fatal("changed immutable upstream money accepted") } } func TestDistinctUpstreamIDsPreserveEqualTransactions(t *testing.T) { d := fixtureDataset() a := fixtureFacts() a.Source = "enablebanking" a.ExternalID = "one" b := a b.ExternalID = "two" rows, err := NormalizeAndDedupe(d, []domain.Facts{a, b}) if err != nil || len(rows) != 2 { t.Fatalf("distinct IDs collapsed: %v %+v", err, rows) } reverse, err := NormalizeAndDedupe(d, []domain.Facts{b, a}) if err != nil || !reflect.DeepEqual(rows, reverse) { t.Fatalf("order changed IDs: %v", err) } d.Transactions = rows[:1] added, err := NormalizeAndDedupe(d, []domain.Facts{a, b}) if err != nil || len(added) != 1 { t.Fatalf("new equal upstream record suppressed: %v %+v", err, added) } } func TestCrossSourceExactMatchAndUncertainty(t *testing.T) { d := fixtureDataset() csv := fixtureFacts() rows, err := NormalizeAndDedupe(d, []domain.Facts{csv}) if err != nil { t.Fatal(err) } d.Transactions = rows api := csv api.Source = "enablebanking" api.ExternalID = "upstream" matched, err := NormalizeAndDedupe(d, []domain.Facts{api}) if err != nil || len(matched) != 0 { t.Fatalf("double counted matching cross-source transaction: %v %+v", err, matched) } api.RawDescription = "Different bank text" matched, err = NormalizeAndDedupe(d, []domain.Facts{api}) if err == nil || matched != nil { t.Fatal("uncertain overlap was silently counted") } api.RawDescription = csv.RawDescription b := api b.ExternalID = "second" matched, err = NormalizeAndDedupe(d, []domain.Facts{api, b}) if err == nil || matched != nil { t.Fatal("unequal cross-source multiplicity was guessed") } d.Transactions[0].Facts.RawDescription = "" d.Transactions[0].Facts.Counterparty = "" api.RawDescription = "" api.Counterparty = "" matched, err = NormalizeAndDedupe(d, []domain.Facts{api}) if err == nil || matched != nil { t.Fatal("matched cross-source money without descriptive evidence") } } func transferDataset() domain.Dataset { d := fixtureDataset() a := fixtureFacts() a.ID = "tx_a" a.Amount = "-10.00" a.CounterpartyIBAN = d.Accounts[1].IBAN b := a b.ID = "tx_b" b.AccountID = "account_b" b.Amount = "10.00" b.BookingDate = "2026-09-03" b.CounterpartyIBAN = d.Accounts[0].IBAN d.Transactions = []domain.Transaction{{Facts: a, Enrichment: domain.Fallback(a)}, {Facts: b, Enrichment: domain.Fallback(b)}} return d } func TestTransfersRequireUniqueReciprocalOwnBankEvidence(t *testing.T) { d := transferDataset() MatchTransfers(&d) if d.Transactions[0].Enrichment.TransferPeerID != "tx_b" || d.Transactions[1].Enrichment.TransferPeerID != "tx_a" { t.Fatal("unique own-account transfer not linked") } if err := domain.Validate(d); err != nil { t.Fatal(err) } for _, change := range []func(*domain.Dataset){ func(d *domain.Dataset) { copy := d.Transactions[1] copy.Facts.ID = "tx_c" d.Transactions = append(d.Transactions, copy) }, func(d *domain.Dataset) { d.Transactions[1].Facts.CounterpartyIBAN = "" }, func(d *domain.Dataset) { d.Transactions[1].Facts.Currency = "USD" }, func(d *domain.Dataset) { d.Transactions[1].Facts.Amount = "9.99" }, func(d *domain.Dataset) { d.Transactions[1].Facts.BookingDate = "2026-09-05" }, func(d *domain.Dataset) { d.Accounts = append(d.Accounts, domain.Account{ID: "ambiguous_account", IBAN: d.Accounts[1].IBAN}) }, } { d := transferDataset() change(&d) before := domain.Clone(d) MatchTransfers(&d) if !reflect.DeepEqual(d, before) { t.Fatalf("ambiguous or unsupported transfer evidence linked: %+v", d.Transactions) } } } func TestMixedReferencedAndAnonymousMultiplicity(t *testing.T) { d := fixtureDataset() anonymous := fixtureFacts() anonymous.Source = "enablebanking" referenced := anonymous referenced.ExternalID = "known-reference" original, err := NormalizeAndDedupe(d, []domain.Facts{referenced}) if err != nil { t.Fatal(err) } d.Transactions = original for _, window := range [][]domain.Facts{{referenced, anonymous}, {anonymous, referenced}} { added, err := NormalizeAndDedupe(d, window) if err != nil || len(added) != 1 || added[0].Facts.ExternalID != "" { t.Fatalf("lost additional anonymous booking beside matched reference: %+v %v", added, err) } if added[0].Facts.ID == original[0].Facts.ID { t.Fatal("anonymous booking reused referenced identity") } } added, err := NormalizeAndDedupe(d, []domain.Facts{referenced, anonymous}) if err != nil { t.Fatal(err) } d.Transactions = append(d.Transactions, added...) repeated, err := NormalizeAndDedupe(d, []domain.Facts{anonymous, referenced}) if err != nil || len(repeated) != 0 { t.Fatalf("mixed repeat is not idempotent: %+v %v", repeated, err) } second, err := NormalizeAndDedupe(d, []domain.Facts{anonymous, referenced, anonymous}) if err != nil || len(second) != 1 || second[0].Facts.ID == added[0].Facts.ID { t.Fatalf("second anonymous occurrence lost or ID reused: %+v %v", second, err) } d.Transactions = append(d.Transactions, second...) repeated, err = NormalizeAndDedupe(d, []domain.Facts{referenced, anonymous, anonymous}) if err != nil || len(repeated) != 0 { t.Fatalf("expanded mixed repeat is not idempotent: %+v %v", repeated, err) } if err := domain.Validate(d); err != nil { t.Fatal(err) } } func TestChangingReferenceAvailabilityFailsClosed(t *testing.T) { anonymous := fixtureFacts() anonymous.Source = "enablebanking" referenced := anonymous referenced.ExternalID = "new-reference" for _, pair := range [][2]domain.Facts{{anonymous, referenced}, {referenced, anonymous}} { d := fixtureDataset() original, err := NormalizeAndDedupe(d, []domain.Facts{pair[0]}) if err != nil { t.Fatal(err) } d.Transactions = original added, err := NormalizeAndDedupe(d, []domain.Facts{pair[1]}) if err == nil || added != nil { t.Fatalf("identity availability change silently added/dropped money: %+v %v", added, err) } } // A complete window containing the known anonymous booking separately proves // that an additional referenced booking increases multiplicity. d := fixtureDataset() original, err := NormalizeAndDedupe(d, []domain.Facts{anonymous}) if err != nil { t.Fatal(err) } d.Transactions = original added, err := NormalizeAndDedupe(d, []domain.Facts{anonymous, referenced}) if err != nil || len(added) != 1 || added[0].Facts.ExternalID != "new-reference" { t.Fatalf("proven additional referenced booking was lost: %+v %v", added, err) } }