support sanctions compliance

dev/ofac-match.js

@@ -0,0 +1,18 @@
+const compliance = require('../lib/compliance')
+const ofac = require('../lib/ofac/index')
+
+const [firstName, lastName, dateOfBirth] = process.argv.slice(2)
+
+const customer = {
+  idCardData: {firstName, lastName, dateOfBirth}
+}
+
+const config = {
+  sanctionsVerificationActive: true
+}
+
+console.log('DEBUG100')
+ofac.load()
+  .then(() => compliance.validateCustomer(config, customer))
+  .then(() => console.log('SUCCESS!'))
+  .catch(err => console.log(err))

lib/app.js

@@ -33,8 +33,9 @@ function run () {
 }
 
 function runOnce () {
+  logger.info('Loading sanctions DB...')
   return ofac.load()
-    .then(settingsLoader.loadLatest())
+    .then(settingsLoader.loadLatest)
     .then(settings => {
       poller.start(settings)
 

lib/compliance.js

@@ -1,23 +1,64 @@
 const _ = require('lodash/fp')
 
+const logger = require('./logger')
 const ofac = require('./ofac/index')
 
 function matchOfac (customer) {
-  const nameParts = _.flatMap(_.split(/\s+/), [customer.firstName, customer.lastName])
-  const birthDate = customer.dateOfBirth
-
-  const result = ofac.match(nameParts, birthDate)
-  console.log('DEBUG200: %s', result)
-
-  if (result > 0.8) throw new Error('Compliance error')
-}
-
-function validateCustomer (config, customer) {
-  if (config.sanctionsVerificationActive) {
-    matchOfac(customer)
+  // Probably because we haven't asked for ID yet
+  if (!_.isPlainObject(customer.idCardData)) {
+    return true
   }
 
-  return customer
+  const nameParts = {
+    firstName: customer.idCardData.firstName,
+    lastName: customer.idCardData.lastName
+  }
+
+  if (_.some(_.isNil, _.values(nameParts))) {
+    logger.error(new Error(`Insufficient idCardData while matching OFAC for: ${customer.id}`))
+    return true
+  }
+
+  const birthDate = customer.idCardData.dateOfBirth
+
+  if (_.isNil(birthDate)) {
+    logger.error(new Error(`No birth date while matching OFAC for: ${customer.id}`))
+    return true
+  }
+
+  const options = {
+    threshold: 0.85,
+    fullNameThreshold: 0.95,
+    debug: false
+  }
+
+  const results = ofac.match(nameParts, birthDate, options)
+  console.log('DEBUG200: %j', results)
+
+  return !_.isEmpty(results)
 }
 
-module.exports = {validateCustomer}
+function validateOfac (customer) {
+  if (customer.sanctionsOverride === 'blocked') return false
+  if (customer.sanctionsOverride === 'verified') return true
+
+  console.log('DEBUG400')
+  return !matchOfac(customer)
+}
+
+function validationPatch (config, customer) {
+  return Promise.resolve()
+    .then(() => {
+      const ofacValidation = validateOfac(customer)
+
+      console.log('DEBUG401: %s, %j', ofacValidation, customer)
+
+      if (_.isNil(customer.sanctions) || customer.sanctions !== ofacValidation) {
+        return {sanctions: ofacValidation}
+      }
+
+      return {}
+    })
+}
+
+module.exports = {validationPatch}

lib/customers.js

@@ -23,6 +23,10 @@ const NUM_RESULTS = 20
 function add (customer) {
   const sql = 'insert into customers (id, phone, phone_at) values ($1, $2, now()) returning *'
   return db.one(sql, [uuid.v4(), customer.phone])
+    .then(populateOverrideUsernames)
+    .then(computeStatus)
+    .then(populateDailyVolume)
+    .then(camelize)
 }
 
 /**

lib/routes.js

@@ -18,6 +18,7 @@ const Tx = require('./tx')
 const E = require('./error')
 const customers = require('./customers')
 const logs = require('./logs')
+const compliance = require('./compliance')
 
 const argv = require('minimist')(process.argv.slice(2))
 
@@ -164,18 +165,34 @@ function verifyTx (req, res, next) {
     .catch(next)
 }
 
+function addOrUpdateCustomer (req) {
+  const customerData = req.body
+  const config = configManager.unscoped(req.settings.config)
+
+  return customers.get(customerData.phone)
+    .then(customer => {
+      if (customer) return customer
+
+      return customers.add(req.body)
+    })
+    .then(customer => {
+      return compliance.validationPatch(config, customer)
+        .then(patch => {
+          if (_.isEmpty(patch)) return customer
+          return customers.update(customer.id, patch)
+        })
+    })
+}
+
 function getCustomerWithPhoneCode (req, res, next) {
   const pi = plugins(req.settings, req.deviceId)
   const phone = req.body.phone
+
   return pi.getPhoneCode(phone)
     .then(code => {
-      return customers.get(phone)
-        .then(customer => {
-          if (customer) return respond(req, res, {code, customer})
-          return customers.add(req.body)
+      return addOrUpdateCustomer(req)
         .then(customer => respond(req, res, {code, customer}))
     })
-    })
     .catch(err => {
       if (err.name === 'BadNumberError') throw httpError('Bad number', 401)
       throw err
@@ -191,9 +208,12 @@ function updateCustomer (req, res, next) {
   customers.getById(id)
     .then(customer => {
       if (!customer) { throw httpError('Not Found', 404) }
-      return customers.update(id, patch)
+
+      const mergedCustomer = _.merge(customer, patch)
+      return compliance.validationPatch(config, mergedCustomer)
+        .then(_.merge(patch))
+        .then(newPatch => customers.update(id, newPatch))
     })
-    .then(customer => customers.validate(config, customer))
     .then(customer => respond(req, res, {customer}))
     .catch(next)
 }
@@ -295,9 +315,8 @@ const skip = (req, res) => _.includes(req.path, ['/poll', '/state', '/logs']) &&
 const configRequiredRoutes = [
   '/poll',
   '/event',
-  '/verify_user',
-  '/verify_transaction',
   '/phone_code',
+  '/customer',
   '/tx'
 ]