sepa/pain/pain.go

package pain

import (
	"fmt"
	"strings"
)

const (
	PAIN_XMLNS     = "urn:iso:std:iso:20022:tech:xsd:pain.008.002.02"
	PAIN_XMLNS_XSI = "http://www.w3.org/2001/XMLSchema-instance"
)

type Document struct {
	XmlnsXsi  string   `xml:"xmlns:xsi,attr"`
	Namespace string   `xml:"xmlns,attr"`
	Contents  *PainXML `xml:"CstmrDrctDbtInitn"`
}

func (d *Document) Valid() error {
	var err []string
	if d.XmlnsXsi != PAIN_XMLNS_XSI {
		err = append(err, "xmlns:xsi does not match PAIN_XMLNS_XSI")
	}
	if d.Namespace != PAIN_XMLNS {
		err = append(err, "xmlns does not match PAIN_XMLNS")
	}
	if e := d.Contents.Valid(); e != nil {
		err = append(err, fmt.Sprintf("%v", e))
	}

	if len(err) > 0 {
		return fmt.Errorf("document not valid: %v", strings.Join(err, ", "))
	}
	return nil
}

type PainXML struct {
	GroupHeader        *GrpHdr  `xml:"GrpHdr"`
	PaymentInformation []PmtInf `xml:"PmtInf"`
}

func (p *PainXML) Valid() error {
	var err []string
	if e := p.GroupHeader.Valid(); e != nil {
		err = append(err, fmt.Sprintf("%v", e))
	}
	if len(p.PaymentInformation) == 0 {
		err = append(err, "no payment information")
	}
	for i, pi := range p.PaymentInformation {
		if e := pi.Valid(); e != nil {
			err = append(err, fmt.Sprintf("payment information at %d has errors: %v", i, e))
		}
	}

	if len(err) > 0 {
		return fmt.Errorf("pain XML not valid: %v", strings.Join(err, ", "))
	}

	return nil
}

type CdtrAcct struct {
	Id IBAN `xml:"Id"`
}

func (c *CdtrAcct) Valid() error {
	if e := c.Id.Valid(); e != nil {
		return fmt.Errorf("creditor account id not valid: %v", e)
	}
	return nil
}

type IBAN struct {
	IBAN string `xml:"IBAN"`
}

func (i *IBAN) Valid() error {
	if !SEPARegexps["IBAN"].MatchString(i.IBAN) {
		return fmt.Errorf("IBAN does not match format")
	}
	return nil
}

type Code struct {
	Code string `xml:"Cd"`
}

func (meta *PmtTpInf) Valid() error {
	var err []string
	// TODO: check meta.ServiceLevel for nil
	if !SEPARegexps["PmtMetaSvcLvl"].MatchString(meta.ServiceLevel.Code) {
		err = append(err, "incorrect service level present (must be 'SEPA')")
	}
	// TODO: check meta.LocalInstrument for nil
	if !SEPARegexps["PmtMetaLclInstrm"].MatchString(meta.LocalInstrument.Code) {
		err = append(err, "incorrect local instrument present")
	}
	if !SEPARegexps["SeqTp"].MatchString(meta.SequenceType) {
		err = append(err, "sequence type has incorrect format")
	}

	if len(err) > 0 {
		return fmt.Errorf("payment meta not valid: %v", strings.Join(err, ", "))
	}
	return nil
}

type PartySEPA2 struct {
	PrivateId PersonIdSEPA2 `xml:"PrvtId"`
}

func (p *PartySEPA2) Valid() error {
	return p.PrivateId.Valid()
}

type PartyIdSEPA1 struct {
	Name string `xml:"Nm"`
	// We do not implement the "Id" element from "PartyIdentificationSEPA1"
}

type PartyIdSEPA3 struct {
	// Embed PartySEPA2, because we do not need another level of <Id>
	PartySEPA2
}

func NewPartyIdSEPA3(id string) PartyIdSEPA3 {
	return PartyIdSEPA3{
		PartySEPA2{
			PrivateId: PersonIdSEPA2{
				Other: RestrictedPersonIdSEPA{
					Id: id,
					SchemeName: RestrictedPersonIdSchemeNameSEPA{
						Party: "SEPA",
					},
				},
			},
		},
	}
}

func (p *PartyIdSEPA3) Valid() error {
	return p.PartySEPA2.Valid()
}

type PersonIdSEPA2 struct {
	Other RestrictedPersonIdSEPA `xml:"Othr"`
}

func (p *PersonIdSEPA2) Valid() error {
	return p.Other.Valid()
}

type RestrictedPersonIdSEPA struct {
	Id         string                           `xml:"Id"` // RestrictedPersonIdentifierSEPA
	SchemeName RestrictedPersonIdSchemeNameSEPA `xml:"SchmeNm"`
}

func (r *RestrictedPersonIdSEPA) Valid() error {
	var err []string
	if !SEPARegexps["Id"].MatchString(r.Id) {
		err = append(err, "id of RestrictedPersonIdSEPA does not match format")
	}
	if e := r.SchemeName.Valid(); e != nil {
		err = append(err, fmt.Sprintf("SchemeName not valid: %v", e))
	}

	if len(err) > 0 {
		return fmt.Errorf("restricted person id SEPA not valid: %v", strings.Join(err, ", "))
	}
	return nil
}

type RestrictedPersonIdSchemeNameSEPA struct {
	Party string `xml:"Prtry"` // IdentificationSchemeNameSEPA
}

func (r *RestrictedPersonIdSchemeNameSEPA) Valid() error {
	if r.Party != "SEPA" {
		return fmt.Errorf("party should be 'SEPA', got %v", r.Party)
	}
	return nil
}