cbsnexora/src/app/clients/kyc-exception.util.spec.ts

/**
 * Copyright since 2025 Mifos Initiative
 *
 * This Source Code Form is subject to the terms of the Mozilla Public
 * License, v. 2.0. If a copy of the MPL was not distributed with this
 * file, You can obtain one at http://mozilla.org/MPL/2.0/.
 */

import {
  deriveKycExceptionFields,
  KycExceptionInput,
  KYC_EXCEPTION_AADHAAR,
  KYC_EXCEPTION_PAN
} from './kyc-exception.util';

const TODAY = '05 August 2026';

/** Individual client, nothing previously recorded — the client-creation case. */
const newIndividual = (panVerified: boolean, aadhaarVerified: boolean): KycExceptionInput => ({
  panVerified,
  aadhaarVerified,
  aadhaarApplicable: true,
  hadException: false,
  previousReason: null,
  todayFormatted: TODAY
});

/** Individual client that already carries an open exception. */
const existingException = (
  panVerified: boolean,
  aadhaarVerified: boolean,
  previousReason: string
): KycExceptionInput => ({
  panVerified,
  aadhaarVerified,
  aadhaarApplicable: true,
  hadException: true,
  previousReason,
  todayFormatted: TODAY
});

describe('deriveKycExceptionFields', () => {
  describe('at client creation', () => {
    it('marks both PAN and Aadhaar when neither is entered or verified', () => {
      expect(deriveKycExceptionFields(newIndividual(false, false))).toEqual({
        isException: true,
        exceptionReason: `${KYC_EXCEPTION_PAN}, ${KYC_EXCEPTION_AADHAAR}`,
        exceptionResolved: false,
        exceptionResolvedOn: null
      });
    });

    it('marks only PAN when Aadhaar verified but PAN did not', () => {
      expect(deriveKycExceptionFields(newIndividual(false, true))).toEqual({
        isException: true,
        exceptionReason: KYC_EXCEPTION_PAN,
        exceptionResolved: false,
        exceptionResolvedOn: null
      });
    });

    it('marks only Aadhaar when PAN verified but Aadhaar did not', () => {
      expect(deriveKycExceptionFields(newIndividual(true, false))).toEqual({
        isException: true,
        exceptionReason: KYC_EXCEPTION_AADHAAR,
        exceptionResolved: false,
        exceptionResolvedOn: null
      });
    });

    it('raises nothing when both verify, and does not mark the client resolved', () => {
      // A clean client never had an exception, so it must not appear in the Resolved tab either.
      expect(deriveKycExceptionFields(newIndividual(true, true))).toEqual({
        isException: false,
        exceptionReason: null,
        exceptionResolved: false,
        exceptionResolvedOn: null
      });
    });

    it('does not raise an Aadhaar exception for a non-individual client', () => {
      // Companies submit a dummy masked Aadhaar; checking it would mean a permanent exception.
      expect(
        deriveKycExceptionFields({
          panVerified: true,
          aadhaarVerified: false,
          aadhaarApplicable: false,
          hadException: false,
          previousReason: null,
          todayFormatted: TODAY
        }).isException
      ).toBe(false);
    });
  });

  describe('resolving', () => {
    it('closes the exception once both checks pass, keeping the reason for the audit trail', () => {
      const both = `${KYC_EXCEPTION_PAN}, ${KYC_EXCEPTION_AADHAAR}`;
      expect(deriveKycExceptionFields(existingException(true, true, both))).toEqual({
        isException: false,
        exceptionReason: both,
        exceptionResolved: true,
        exceptionResolvedOn: TODAY
      });
    });

    it('narrows to the outstanding item when only one of two verifies', () => {
      const both = `${KYC_EXCEPTION_PAN}, ${KYC_EXCEPTION_AADHAAR}`;
      // PAN verified, Aadhaar still outstanding — stays open, listing Aadhaar alone.
      expect(deriveKycExceptionFields(existingException(true, false, both))).toEqual({
        isException: true,
        exceptionReason: KYC_EXCEPTION_AADHAAR,
        exceptionResolved: false,
        exceptionResolvedOn: null
      });
    });

    it('narrows the other way round too', () => {
      const both = `${KYC_EXCEPTION_PAN}, ${KYC_EXCEPTION_AADHAAR}`;
      expect(deriveKycExceptionFields(existingException(false, true, both)).exceptionReason).toBe(KYC_EXCEPTION_PAN);
    });
  });

  describe('re-opening', () => {
    it('clears a prior resolution so a new exception returns to Pending', () => {
      // Regression: without exceptionResolved=false the record still matched the Resolved query
      // and a brand-new exception appeared as already closed.
      const result = deriveKycExceptionFields({
        panVerified: false,
        aadhaarVerified: true,
        aadhaarApplicable: true,
        hadException: false,
        previousReason: 'PAN Card Verification Failed',
        todayFormatted: TODAY
      });
      expect(result.exceptionResolved).toBe(false);
      expect(result.exceptionResolvedOn).toBeNull();
      expect(result.isException).toBe(true);
    });
  });

  describe('officer-entered reasons', () => {
    it('keeps a manual reason alongside the automatic ones', () => {
      const result = deriveKycExceptionFields({
        ...newIndividual(true, true),
        manualReasons: ['Address proof pending']
      });
      expect(result).toEqual({
        isException: true,
        exceptionReason: 'Address proof pending',
        exceptionResolved: false,
        exceptionResolvedOn: null
      });
    });

    it('drops a stale automatic reason left in the form once the check passes', () => {
      // The form still holds 'PAN Card Verification Failed' from a previous load; PAN has since
      // verified, so it must not survive into the payload.
      const result = deriveKycExceptionFields({
        ...newIndividual(true, true),
        manualReasons: [KYC_EXCEPTION_PAN]
      });
      expect(result.isException).toBe(false);
      expect(result.exceptionReason).toBeNull();
    });

    it('does not duplicate a manual reason that matches an outstanding automatic one', () => {
      const result = deriveKycExceptionFields({
        ...newIndividual(false, true),
        manualReasons: [KYC_EXCEPTION_PAN]
      });
      expect(result.exceptionReason).toBe(KYC_EXCEPTION_PAN);
    });
  });
});