Add credit card transaction retrieval (DKKKU)

README.md

@@ -7,6 +7,7 @@ A PHP library implementing the following functions of the FinTS/HBCI protocol:
  * Get accounts
  * Get balance
  * Get transactions
+ * Get credit card transactions (see [below](#credit-card-transactions))
  * Execute direct debit
  * Execute transfer
  * Note that any other functions mentioned in
@@ -43,6 +44,47 @@ Fill out the required configuration in `init.php` (server details can be obtaine
 Then execute `tanModesAndMedia.php` and later `login.php`.
 Once you are able to login without any issues, you can move on to the other examples.
 
+## Credit card transactions
+
+Credit card accounts have no IBAN. They are therefore not returned by `GetSEPAAccounts` (HKSPA) and
+their transactions cannot be retrieved with `GetStatementOfAccount` (HKKAZ) or
+`GetStatementOfAccountXML` (HKCAZ). Instead they use `DKKKU`, a business transaction defined by the
+Deutsche Kreditwirtschaft rather than by the FinTS specification, which not every bank offers.
+
+The accounts are found in the UPD, which the bank sends during login, so listing them costs no
+request:
+
+```php
+$getCards = \Fhp\Action\GetCreditCardAccounts::create();
+$fints->execute($getCards);
+$cards = $getCards->getAccounts();
+
+$getTransactions = \Fhp\Action\GetCreditCardStatement::create($cards[0], $from, $to);
+$fints->execute($getTransactions);
+if ($getTransactions->needsTan()) {
+    handleStrongAuthentication($getTransactions);
+}
+foreach ($getTransactions->getStatement()->getTransactions() as $transaction) {
+    echo $transaction->getBookingDate()->format('Y-m-d') . ' '
+        . $transaction->getAmount() . ' ' . $transaction->getCurrency() . ' '
+        . $transaction->getPurpose() . PHP_EOL;
+}
+```
+
+See [Samples/creditCardStatement.php](/Samples/creditCardStatement.php) for a complete example. Note
+that:
+
+ * A single account can cover several physical cards, possibly of different schemes. The account
+   number looks like a card number but generally is not a valid one. Which card a transaction belongs
+   to is usually indicated in its purpose.
+ * Banks typically retain only a limited period of credit card transactions; the exact number of days
+   is reported as the "Speicherzeitraum" in the `DIKKUS` parameters. Asking for a longer range is not
+   rejected, but the tested bank answered such queries inconsistently — sometimes with the full
+   range, sometimes silently truncated. If you need more history, request it in windows no larger
+   than the advertised one.
+ * Transactions in a foreign currency additionally report the original amount, its currency and the
+   exchange rate that was applied.
+
 ## Banks with special needs
 
 If you are developing an online banking application with this library, please be aware of the following exceptions:

Samples/creditCardStatement.php

@@ -0,0 +1,65 @@
+<?php
+
+/** @noinspection PhpUnhandledExceptionInspection */
+
+/**
+ * SAMPLE - Displays the credit card transactions for a specific time range.
+ *
+ * Credit card accounts have no IBAN, so they are not part of getSEPAAccounts() and their transactions
+ * cannot be retrieved with GetStatementOfAccount. They use the DKKKU business transaction instead,
+ * which is defined by the Deutsche Kreditwirtschaft rather than by the FinTS specification, so not
+ * every bank offers it.
+ */
+
+// See login.php, it returns a FinTs instance that is already logged in.
+/** @var \Fhp\FinTs $fints */
+$fints = require_once 'login.php';
+
+// The credit card accounts are described in the UPD, which arrived during login, so this needs no
+// request to the bank at all.
+$getCreditCardAccounts = \Fhp\Action\GetCreditCardAccounts::create();
+$fints->execute($getCreditCardAccounts);
+$creditCardAccounts = $getCreditCardAccounts->getAccounts();
+
+if (count($creditCardAccounts) === 0) {
+    echo 'No credit card accounts found. Your bank may not support DKKKU.' . PHP_EOL;
+    return;
+}
+
+echo 'Credit card accounts:' . PHP_EOL;
+foreach ($creditCardAccounts as $creditCardAccount) {
+    echo '  ' . $creditCardAccount->getAccountNumber()
+        . ' (' . $creditCardAccount->getProductName() . ')' . PHP_EOL;
+}
+
+// Just pick the first one, for demonstration purposes.
+$oneAccount = $creditCardAccounts[0];
+
+$from = new \DateTime('-30 days');
+$to = new \DateTime();
+$getStatement = \Fhp\Action\GetCreditCardStatement::create($oneAccount, $from, $to);
+$fints->execute($getStatement);
+if ($getStatement->needsTan()) {
+    handleStrongAuthentication($getStatement); // See login.php for the implementation.
+}
+
+$statement = $getStatement->getStatement();
+if ($statement->getBalance() !== null) {
+    echo 'Balance: ' . $statement->getBalance() . ' ' . $statement->getBalanceCurrency() . PHP_EOL;
+}
+echo 'Transactions:' . PHP_EOL;
+echo '=======================================' . PHP_EOL;
+foreach ($statement->getTransactions() as $transaction) {
+    echo 'Booking date: ' . $transaction->getBookingDate()?->format('Y-m-d') . PHP_EOL;
+    echo 'Amount      : ' . $transaction->getAmount() . ' ' . $transaction->getCurrency() . PHP_EOL;
+    // Transactions in a foreign currency also report what the merchant originally charged.
+    if ($transaction->getOriginalAmount() !== null) {
+        echo 'Original    : ' . $transaction->getOriginalAmount() . ' ' . $transaction->getOriginalCurrency()
+            . ' (rate ' . $transaction->getExchangeRate() . ')' . PHP_EOL;
+    }
+    echo 'Purpose     : ' . $transaction->getPurpose() . PHP_EOL;
+    echo 'Reference   : ' . $transaction->getReference() . PHP_EOL;
+    echo 'Category    : ' . ($transaction->getMerchantCategoryCode() ?? '-') . PHP_EOL;
+    echo '=======================================' . PHP_EOL . PHP_EOL;
+}
+echo 'Found ' . count($statement->getTransactions()) . ' transactions.' . PHP_EOL;

Tests/Unit/Action/GetCreditCardAccountsTest.php

@@ -0,0 +1,128 @@
+<?php
+
+namespace Fhp\Tests\Unit\Action;
+
+use Fhp\Action\GetCreditCardAccounts;
+use Fhp\Protocol\BPD;
+use Fhp\Protocol\UPD;
+use Fhp\Segment\BaseSegment;
+
+/**
+ * Tests that credit card accounts are recognized in the UPD.
+ *
+ * The HIUPD segments below mirror the structure of a real BW-Bank/LBBW response, with all account
+ * numbers and names replaced. Note that the credit card account has no IBAN, which is why such
+ * accounts are absent from HKSPA and have to be found here instead.
+ */
+class GetCreditCardAccountsTest extends \PHPUnit\Framework\TestCase
+{
+    /** Account type 50 (credit card), no IBAN, DKKKU among the permitted business transactions. */
+    private const HIUPD_CREDIT_CARD =
+        'HIUPD:12:6:4+5555000011112222::280:60050101++9999999999+50+EUR+Mustermann+Max+Example Goldcard Set++HKSAK:1+DKKKS:1+DKKKU:1+HKTAN:1\'';
+
+    /** An ordinary current account: has an IBAN, permits HKKAZ but not DKKKU. */
+    private const HIUPD_CURRENT_ACCOUNT =
+        'HIUPD:10:6:4+1234567890::280:60050101+DE02600501011234567890+9999999999+1+EUR+Mustermann+Max+Example Giro++HKSAK:1+HKKAZ:1+HKSAL:1\'';
+
+    /** A savings account, likewise without DKKKU. */
+    private const HIUPD_SAVINGS_ACCOUNT =
+        'HIUPD:11:6:4+2000130538::280:60050101+DE33600501012000130538+9999999999+10+EUR+Mustermann+Max+Example Sparkonto++HKSPA:1+HKKAZ:1\'';
+
+    /** @param string[] $rawHiupds */
+    private static function runAction(array $rawHiupds): GetCreditCardAccounts
+    {
+        $upd = new UPD();
+        $upd->hiupd = array_map(function (string $raw) {
+            return BaseSegment::parse($raw);
+        }, $rawHiupds);
+
+        $action = GetCreditCardAccounts::create();
+        $action->getNextRequest(new BPD(), $upd);
+        return $action;
+    }
+
+    public function testFindsOnlyTheCreditCardAccount()
+    {
+        $action = self::runAction([
+            self::HIUPD_CURRENT_ACCOUNT,
+            self::HIUPD_CREDIT_CARD,
+            self::HIUPD_SAVINGS_ACCOUNT,
+        ]);
+
+        $accounts = $action->getAccounts();
+        $this->assertCount(1, $accounts);
+
+        $account = $accounts[0];
+        $this->assertEquals('5555000011112222', $account->getAccountNumber());
+        $this->assertEquals('60050101', $account->getBlz());
+        $this->assertEquals(50, $account->getAccountType());
+        $this->assertEquals('Example Goldcard Set', $account->getProductName());
+        $this->assertEquals('EUR', $account->getCurrency());
+        // Banks split the holder name across two fields.
+        $this->assertEquals('Mustermann Max', $account->getName());
+    }
+
+    /** The data comes from the UPD, so no request to the bank is necessary. */
+    public function testNeedsNoRequest()
+    {
+        $upd = new UPD();
+        $upd->hiupd = [BaseSegment::parse(self::HIUPD_CREDIT_CARD)];
+
+        $action = GetCreditCardAccounts::create();
+        $requestSegments = $action->getNextRequest(new BPD(), $upd);
+
+        $this->assertEmpty($requestSegments);
+        $this->assertTrue($action->isDone());
+        $this->assertCount(1, $action->getAccounts());
+    }
+
+    public function testReturnsNothingWithoutCreditCardAccounts()
+    {
+        $action = self::runAction([self::HIUPD_CURRENT_ACCOUNT, self::HIUPD_SAVINGS_ACCOUNT]);
+        $this->assertCount(0, $action->getAccounts());
+    }
+
+    /**
+     * HIUPD v4 does not report an account type at all, so the list of permitted business transactions
+     * is the only criterion that works across versions.
+     */
+    public function testFindsAccountInOlderSegmentVersion()
+    {
+        $action = self::runAction([
+            'HIUPD:9:4:4+5555000011112244::280:60050101+9999999999+EUR+Mustermann+Erika+Legacy Card++DKKKU:1\'',
+        ]);
+
+        $accounts = $action->getAccounts();
+        $this->assertCount(1, $accounts);
+        $this->assertEquals('5555000011112244', $accounts[0]->getAccountNumber());
+        $this->assertNull($accounts[0]->getAccountType());
+    }
+
+    /** If the bank sends no list of permitted transactions, fall back to the account type. */
+    public function testFallsBackToAccountType()
+    {
+        $action = self::runAction([
+            'HIUPD:12:6:4+5555000011112255::280:60050101++9999999999+55+EUR+Mustermann+Max+Example Card\'',
+        ]);
+
+        $accounts = $action->getAccounts();
+        $this->assertCount(1, $accounts);
+        $this->assertEquals(55, $accounts[0]->getAccountType());
+    }
+
+    /** An explicit list that lacks DKKKU wins over the account type. */
+    public function testAccountTypeDoesNotOverrideAnExplicitList()
+    {
+        $action = self::runAction([
+            'HIUPD:12:6:4+5555000011112266::280:60050101++9999999999+50+EUR+Mustermann+Max+Example Card++HKSAK:1+HKTAN:1\'',
+        ]);
+
+        $this->assertCount(0, $action->getAccounts());
+    }
+
+    public function testRequiresUpd()
+    {
+        $this->expectException(\InvalidArgumentException::class);
+        GetCreditCardAccounts::create()->getNextRequest(new BPD(), null);
+    }
+}