IPAY_V3.i

<?php
/**
 * Relocate iPay-specific functions from hcuConnect.prg
 * into independent library to enable unit testing
 * and to clean up some of the sprawl in hcuConnect.prg
 *
 * Note that several other functions could be moved here
 * but start small to limit scope a little at a time
 */

/**
 * Change format of passed parameters to improve test-ability
 *
 * @param array $MIR data packet as returned from GetMemberInfo
 * @param array $IPAYcred array of IPAY_V3 settings
 * @param array $HCUcred array of HomeCU settings
 *
 * @return string  Formatted XML enrollment string to send to iPay
 * returns false status if missing parameters or MIR missing required values
 *
 *
 * These previous params from cutrusteddetail are now in IPAYcred array
 * @param string $ipay_instid
 * @param string $ipay_iv
 * @param string $ipay_key
 * @param null|int $enrollmicr  trusteddetail setting to force enroll w/MICR instead of member account
 *  along with these session-specific ipay items
 * @param string $ipay_token  returned from iPay_getsession call
 * @param string $random gmdate("U") used across multiple iPay calls'
 *
 * These previous params from HCU settings are now in HCUcred array
 * @param string $billpayid  billpayid from hcu banking, or selected member account
 * @param string $ml         email from hcu banking
 * @param string $micr MICR retrieved from first hcuAccount (0th entry from accounts array)
 *
 */
function iPayV3EnrollXML($MIR, $IPAYcred, $HCUcred) {
    # move ipay settings and config into IPAYcred array
    # from cutrusted detail [ipay_instid, ipay_iv, ipay_key, enrollmicr] and connection dependencies [ipay_token, random]
    # move HomeCU settings into HCUcred array
    # from selected user and account settings [ml, billpayid, micr]
    try {
        #$ipay_instid, $ipay_iv, $ipay_key, $ipay_token, $random, $billpayid, $ml, $enrollmicr = null, $micr = 0
        $reqParms =     ['ipay_instid' => 1,
                        'ipay_iv' => 1,
                        'ipay_key' => 1,
                        'ipay_token' => 1,
                        'random' => 1,
                        'billpayid' => 1,
                        'ml' => 1,
                        'enrollmicr' => 1, #(default null)
                        'micr' => 1 #(default 0)
                        ];
                        $missing = array_diff_key($reqParms, $IPAYcred, $HCUcred);
                        if (sizeof($missing)) {
                            throw new Exception("Missing Settings ");
                        }

        # call FormatMIR to make sure data is valid
        # identify the required elements expected in the MIR
        $reqMIR = array(
            "accountnumber" => 1,
            "firstname" => 1,
            "lastname" => 1,
            "email" => 1,
            "address1" => 1,
            "city" => 1,
            "state" => 1,
            "zip" => 1
        );

        $parsedMIR = FormatMIR($MIR['data'], $HCUcred['ml'], $reqMIR, 'Y-m-d', 'flat', false, '');

        if (!$parsedMIR['status']['response']) {
            throw new Exception($parsedMIR['status']['message']);
        }

        # build enrollment XML string

        if (!empty($parsedMIR["data"]["ssn"])) {
            list($EncryptedSSN, $iv) = EncryptCredentials("{$parsedMIR["data"]["ssn"]}", $IPAYcred['ipay_key'], $IPAYcred['ipay_iv']);
        }

        $enroll = "<Message>\n";
        $enroll .= "<InstitutionID>{$IPAYcred['ipay_instid']}</InstitutionID>\n";
        $enroll .= "<Security>\n";
        $enroll .= "<IV>{$IPAYcred['ipay_iv']}</IV>\n";
        $enroll .= "<AuthToken>{$IPAYcred['ipay_token']}</AuthToken>\n";
        $enroll .= "</Security>\n";
        $enroll .= "<MessageRequest>\n";
        $enroll .= "<RequestID>{$IPAYcred['random']}</RequestID>\n";
        $enroll .= "<SubscriberCreate>\n";
        $enroll .= "<Info>\n";
        $enroll .= "<UserID>{$HCUcred['billpayid']}</UserID>\n";
        $enroll .= "<UserType>2</UserType>\n";
        $enroll .= "</Info>\n";
        $enroll .= "<Data>\n";
        $enroll .= "<Subscriber>\n";
        $enroll .= "<FIAdminApproval>0</FIAdminApproval>\n";
        $enroll .= "<LoginID>{$HCUcred['billpayid']}</LoginID>\n";
    # values from the MIR packet
    # note that legacy code sends tags w/o data for empty MiddleName & Address2
    # using HCU_array_key_exists for those to mimic legacy
    # using HCU_array_key_value for others to skip empties
        $enroll .= "<FirstName>{$parsedMIR["data"]["firstname"]}</FirstName>\n";
        if (HCU_array_key_exists('middlename', $parsedMIR['data'])) {
            $enroll .= "<MiddleName>{$parsedMIR["data"]["middlename"]}</MiddleName>\n";
        }
        $enroll .= "<LastName>{$parsedMIR["data"]["lastname"]}</LastName>\n";
        $enroll .= "<Email>{$parsedMIR['data']['email']}</Email>\n";
        if (HCU_array_key_value('homephone', $parsedMIR['data'])) {
            $enroll .= "<HomePhone>" . Format_Phone_Dashes($parsedMIR["data"]["homephone"]) . "</HomePhone>\n";
        }
        if (HCU_array_key_value('workphone', $parsedMIR['data'])) {
            $enroll .= "<WorkPhone>" . Format_Phone_Dashes($parsedMIR["data"]["workphone"]) . "</WorkPhone>\n";
        }
        if (HCU_array_key_value('fax', $parsedMIR['data'])) {
            $enroll .= "<Fax>" . Format_Phone_Dashes($parsedMIR["data"]["fax"]) . "</Fax>\n";
        }
        $enroll .= "<SSN>$EncryptedSSN</SSN>\n";

        if ($IPAYcred['enrollmicr']) {
            $enroll .= "<AccountNumber>{$HCUcred['micr']}</AccountNumber>\n";
        } else {
            $enroll .= "<AccountNumber>{$parsedMIR['data']['accountnumber']}</AccountNumber>\n";
        }


        $enroll .= "<AccountType>1</AccountType>\n";
        $enroll .= "<Address1>{$parsedMIR["data"]["address1"]}</Address1>\n";
        if (HCU_array_key_exists('address2', $parsedMIR['data'])) {
            $enroll .= "<Address2>{$parsedMIR["data"]["address2"]}</Address2>\n";
        }
        $enroll .= "<City>{$parsedMIR["data"]["city"]}</City>\n";
        $enroll .= "<State>{$parsedMIR["data"]["state"]}</State>\n";
        $enroll .= "<Zip>{$parsedMIR["data"]["zip"]}</Zip>\n";
        if (HCU_array_key_value('dob', $parsedMIR['data'])) {
            $enroll .= "<DateOfBirth>{$parsedMIR['data']['dob']}</DateOfBirth>\n";
        }
    # end of MIR values
        $enroll .= "</Subscriber>\n";
        $enroll .= "</Data>\n";
        $enroll .= "</SubscriberCreate>\n";
        $enroll .= "</MessageRequest>\n";
        $enroll .= "</Message>\n";

        $return['status'] = true;
        $return['message'] = 'Success';
        $return['data'] = $enroll;

    } catch (Exception $ex) {
        $return['status'] = false;
        $return['message'] =  $ex->getMessage();
        $return['data'] = [];
    }
    return $return;
}