MoneyMap/MoneyMap.Core/Services/CardResolver.cs

using MoneyMap.Data;
using MoneyMap.Models.Import;
using System.Text.RegularExpressions;

namespace MoneyMap.Services
{
    /// <summary>
    /// Service for resolving payment methods (cards/accounts) for transactions.
    /// </summary>
    public interface ICardResolver
    {
        Task<PaymentResolutionResult> ResolvePaymentAsync(string? memo, ImportContext context);
    }

    public class CardResolver : ICardResolver
    {
        private readonly MoneyMapContext _db;

        public CardResolver(MoneyMapContext db)
        {
            _db = db;
        }

        public async Task<PaymentResolutionResult> ResolvePaymentAsync(string? memo, ImportContext context)
        {
            if (context.PaymentMode == PaymentSelectMode.Card)
                return ResolveCard(context);

            if (context.PaymentMode == PaymentSelectMode.Account)
                return ResolveAccount(context);

            return await ResolveAutomaticallyAsync(memo, context);
        }

        private PaymentResolutionResult ResolveCard(ImportContext context)
        {
            if (context.SelectedCardId is null)
                return PaymentResolutionResult.Failure("Pick a card or switch to Auto.");

            var card = context.AvailableCards.FirstOrDefault(c => c.Id == context.SelectedCardId);
            if (card is null)
                return PaymentResolutionResult.Failure("Selected card not found.");

            // Card must have a linked account
            if (!card.AccountId.HasValue)
                return PaymentResolutionResult.Failure($"Card {card.DisplayLabel} is not linked to an account. Please link it to an account first.");

            return PaymentResolutionResult.SuccessCard(card.Id, card.AccountId.Value, card.Last4);
        }

        private PaymentResolutionResult ResolveAccount(ImportContext context)
        {
            if (context.SelectedAccountId is null)
                return PaymentResolutionResult.Failure("Pick an account or switch to Auto/Card mode.");

            var account = context.AvailableAccounts.FirstOrDefault(a => a.Id == context.SelectedAccountId);
            if (account is null)
                return PaymentResolutionResult.Failure("Selected account not found.");

            return PaymentResolutionResult.SuccessAccount(account.Id, account.Last4);
        }

        private Task<PaymentResolutionResult> ResolveAutomaticallyAsync(string? memo, ImportContext context)
        {
            // Extract last4 from both memo and filename
            var last4FromFile = CardIdentifierExtractor.FromFileName(context.FileName);
            var last4FromMemo = CardIdentifierExtractor.FromMemo(memo);

            // PRIORITY 1: Try memo first (for per-transaction card detection like "usbank.com.2765")
            if (!string.IsNullOrWhiteSpace(last4FromMemo))
            {
                var result = TryResolveByLast4(last4FromMemo, context);
                if (result != null) return Task.FromResult(result);
            }

            // PRIORITY 2: Fall back to filename (for account-level CSVs or when memo has no card)
            if (!string.IsNullOrWhiteSpace(last4FromFile))
            {
                var result = TryResolveByLast4(last4FromFile, context);
                if (result != null) return Task.FromResult(result);
            }

            // Nothing found - error
            var searchedLast4 = last4FromMemo ?? last4FromFile;
            if (string.IsNullOrWhiteSpace(searchedLast4))
            {
                return Task.FromResult(PaymentResolutionResult.Failure(
                    "Couldn't determine card or account from memo or file name. Choose an account manually."));
            }

            return Task.FromResult(PaymentResolutionResult.Failure(
                $"Couldn't find account or card with last4 '{searchedLast4}'. Choose an account manually."));
        }

        private PaymentResolutionResult? TryResolveByLast4(string last4, ImportContext context)
        {
            // Look for both card and account matches
            var matchingCard = context.AvailableCards.FirstOrDefault(c => c.Last4 == last4);
            var matchingAccount = context.AvailableAccounts.FirstOrDefault(a => a.Last4 == last4);

            // Prioritize card matches (for credit card CSVs or memo-based card detection)
            if (matchingCard != null)
            {
                // Card found - it must have an account
                if (!matchingCard.AccountId.HasValue)
                    return PaymentResolutionResult.Failure($"Card {matchingCard.DisplayLabel} is not linked to an account. Please link it first or choose an account manually.");

                return PaymentResolutionResult.SuccessCard(matchingCard.Id, matchingCard.AccountId.Value, matchingCard.Last4);
            }

            // Fall back to account match (for direct account transactions)
            if (matchingAccount != null)
            {
                return PaymentResolutionResult.SuccessAccount(matchingAccount.Id, matchingAccount.Last4);
            }

            return null; // No match found
        }
    }

    /// <summary>
    /// Utility class for extracting card/account identifiers from memos and filenames.
    /// </summary>
    public static class CardIdentifierExtractor
    {
        // Match patterns: "usbank.com.2765" or "usbank.com.0479" or similar formats
        private static readonly Regex MemoLast4Pattern = new(@"\.(\d{4})(?:\D|$)", RegexOptions.Compiled);
        private const int Last4Length = 4;

        public static string? FromMemo(string? memo)
        {
            if (string.IsNullOrWhiteSpace(memo))
                return null;

            // Try to find all matches and return the last one (most likely to be card/account number)
            var matches = MemoLast4Pattern.Matches(memo);
            if (matches.Count == 0)
                return null;

            // Return the last match (typically the card number at the end)
            return matches[^1].Groups[1].Value;
        }

        public static string? FromFileName(string fileName)
        {
            var name = Path.GetFileNameWithoutExtension(fileName);
            var parts = name.Split(new[] { '-', '_', ' ' }, StringSplitOptions.RemoveEmptyEntries);

            foreach (var part in parts.Select(p => p.Trim()))
            {
                if (part.Length == Last4Length && int.TryParse(part, out _))
                    return part;
            }

            return null;
        }
    }
}