sure/app/models/provider/enable_banking.rb

require "cgi"

class Provider::EnableBanking
  include HTTParty
  extend SslConfigurable

  BASE_URL = "https://api.enablebanking.com".freeze

  headers "User-Agent" => "Sure Finance Enable Banking Client"
  default_options.merge!({ timeout: 120 }.merge(httparty_ssl_options))

  attr_reader :application_id, :private_key

  def initialize(application_id:, client_certificate:)
    @application_id = application_id
    @private_key = extract_private_key(client_certificate)
  end

  # Get list of available ASPSPs (banks) for a country
  # @param country [String] ISO 3166-1 alpha-2 country code (e.g., "GB", "DE", "FR")
  # @return [Array<Hash>] List of ASPSPs
  def get_aspsps(country:)
    response = self.class.get(
      "#{BASE_URL}/aspsps",
      headers: auth_headers,
      query: { country: country }
    )

    handle_response(response)
  rescue SocketError, Net::OpenTimeout, Net::ReadTimeout => e
    raise EnableBankingError.new("Exception during GET request: #{e.message}", :request_failed)
  end

  # Initiate authorization flow - returns a redirect URL for the user
  # @param aspsp_name [String] Name of the ASPSP from get_aspsps
  # @param aspsp_country [String] Country code for the ASPSP
  # @param redirect_url [String] URL to redirect user back to after auth
  # @param state [String] Optional state parameter to pass through
  # @param psu_type [String] "personal" or "business"
  # @return [Hash] Contains :url and :authorization_id
  def start_authorization(aspsp_name:, aspsp_country:, redirect_url:, state: nil, psu_type: "personal")
    body = {
      access: {
        valid_until: (Time.current + 90.days).iso8601
      },
      aspsp: {
        name: aspsp_name,
        country: aspsp_country
      },
      state: state,
      redirect_url: redirect_url,
      psu_type: psu_type
    }.compact

    response = self.class.post(
      "#{BASE_URL}/auth",
      headers: auth_headers.merge("Content-Type" => "application/json"),
      body: body.to_json
    )

    handle_response(response)
  rescue SocketError, Net::OpenTimeout, Net::ReadTimeout => e
    raise EnableBankingError.new("Exception during POST request: #{e.message}", :request_failed)
  end

  # Exchange authorization code for a session
  # @param code [String] The authorization code from the callback
  # @return [Hash] Contains :session_id and :accounts
  def create_session(code:)
    body = {
      code: code
    }

    response = self.class.post(
      "#{BASE_URL}/sessions",
      headers: auth_headers.merge("Content-Type" => "application/json"),
      body: body.to_json
    )

    handle_response(response)
  rescue SocketError, Net::OpenTimeout, Net::ReadTimeout => e
    raise EnableBankingError.new("Exception during POST request: #{e.message}", :request_failed)
  end

  # Get session information
  # @param session_id [String] The session ID
  # @return [Hash] Session info including accounts
  def get_session(session_id:)
    response = self.class.get(
      "#{BASE_URL}/sessions/#{session_id}",
      headers: auth_headers
    )

    handle_response(response)
  rescue SocketError, Net::OpenTimeout, Net::ReadTimeout => e
    raise EnableBankingError.new("Exception during GET request: #{e.message}", :request_failed)
  end

  # Delete a session (revoke consent)
  # @param session_id [String] The session ID
  def delete_session(session_id:)
    response = self.class.delete(
      "#{BASE_URL}/sessions/#{session_id}",
      headers: auth_headers
    )

    handle_response(response)
  rescue SocketError, Net::OpenTimeout, Net::ReadTimeout => e
    raise EnableBankingError.new("Exception during DELETE request: #{e.message}", :request_failed)
  end

  # Get account details
  # @param account_id [String] The account ID (UID from Enable Banking)
  # @return [Hash] Account details
  def get_account_details(account_id:)
    encoded_id = CGI.escape(account_id.to_s)
    response = self.class.get(
      "#{BASE_URL}/accounts/#{encoded_id}/details",
      headers: auth_headers
    )

    handle_response(response)
  rescue SocketError, Net::OpenTimeout, Net::ReadTimeout => e
    raise EnableBankingError.new("Exception during GET request: #{e.message}", :request_failed)
  end

  # Get account balances
  # @param account_id [String] The account ID (UID from Enable Banking)
  # @return [Hash] Balance information
  def get_account_balances(account_id:)
    encoded_id = CGI.escape(account_id.to_s)
    response = self.class.get(
      "#{BASE_URL}/accounts/#{encoded_id}/balances",
      headers: auth_headers
    )

    handle_response(response)
  rescue SocketError, Net::OpenTimeout, Net::ReadTimeout => e
    raise EnableBankingError.new("Exception during GET request: #{e.message}", :request_failed)
  end

  # Get account transactions
  # @param account_id [String] The account ID (UID from Enable Banking)
  # @param date_from [Date, nil] Start date for transactions
  # @param date_to [Date, nil] End date for transactions
  # @param continuation_key [String, nil] For pagination
  # @return [Hash] Transactions and continuation_key for pagination
  def get_account_transactions(account_id:, date_from: nil, date_to: nil, continuation_key: nil)
    encoded_id = CGI.escape(account_id.to_s)
    query_params = {}
    query_params[:transaction_status] = "BOOK" # Only accounted transactions
    query_params[:date_from] = date_from.to_date.iso8601 if date_from
    query_params[:date_to] = date_to.to_date.iso8601 if date_to
    query_params[:continuation_key] = continuation_key if continuation_key

    response = self.class.get(
      "#{BASE_URL}/accounts/#{encoded_id}/transactions",
      headers: auth_headers,
      query: query_params.presence
    )

    handle_response(response)
  rescue SocketError, Net::OpenTimeout, Net::ReadTimeout => e
    raise EnableBankingError.new("Exception during GET request: #{e.message}", :request_failed)
  end

  private

    def extract_private_key(certificate_pem)
      # Extract private key from PEM certificate
      OpenSSL::PKey::RSA.new(certificate_pem)
    rescue OpenSSL::PKey::RSAError => e
      Rails.logger.error "Enable Banking: Failed to parse private key: #{e.message}"
      raise EnableBankingError.new("Invalid private key in certificate: #{e.message}", :invalid_certificate)
    end

    def generate_jwt
      now = Time.current.to_i

      header = {
        typ: "JWT",
        alg: "RS256",
        kid: application_id
      }

      payload = {
        iss: "enablebanking.com",
        aud: "api.enablebanking.com",
        iat: now,
        exp: now + 3600  # 1 hour expiry
      }

      # Encode JWT
      JWT.encode(payload, private_key, "RS256", header)
    end

    def auth_headers
      {
        "Authorization" => "Bearer #{generate_jwt}",
        "Accept" => "application/json"
      }
    end

    def handle_response(response)
      case response.code
      when 200, 201
        parse_response_body(response)
      when 204
        {}
      when 400
        raise EnableBankingError.new("Bad request to Enable Banking API: #{response.body}", :bad_request)
      when 401
        raise EnableBankingError.new("Invalid credentials or expired JWT", :unauthorized)
      when 403
        raise EnableBankingError.new("Access forbidden - check your application permissions", :access_forbidden)
      when 404
        raise EnableBankingError.new("Resource not found", :not_found)
      when 422
        raise EnableBankingError.new("Validation error from Enable Banking API: #{response.body}", :validation_error)
      when 429
        raise EnableBankingError.new("Rate limit exceeded. Please try again later.", :rate_limited)
      else
        raise EnableBankingError.new("Failed to fetch data: #{response.code} #{response.message} - #{response.body}", :fetch_failed)
      end
    end

    def parse_response_body(response)
      return {} if response.body.blank?

      JSON.parse(response.body, symbolize_names: true)
    rescue JSON::ParserError => e
      Rails.logger.error "Enable Banking API: Failed to parse response: #{e.message}"
      raise EnableBankingError.new("Failed to parse API response", :parse_error)
    end

    class EnableBankingError < StandardError
      attr_reader :error_type

      def initialize(message, error_type = :unknown)
        super(message)
        @error_type = error_type
      end
    end
end