sAPIAppl.i

<?php

  /** **
   *  ** GLOBAL CONSTANTS
   *  **
   */

  define ("PACKET_FULL", 1);        // ** Packet requests should contain all account information
  define ("PACKET_PER_ACCOUNT", 2); // ** Packet requests are PER Account/suffix .  Except the initial. It is BALANCES ONLY

  define ("PACKET_REQUEST_VERIFY_PIN", "PIN");      // This is the "CLASSIC" version of getting data for NEW member
  define ("PACKET_REQUEST_INQUIRY",    "INQ");         // This is the "CLASSIC" version of getting data for a regular Inquiry
  define ("PACKET_REQUEST_BAL",        "BAL");
  define ("PACKET_REQUEST_HIS",        "HISTORY");
  define ("PACKET_REQUEST_XAC",        "XAC");
  define ("PACKET_REQUEST_TRN",        "TRN");
  define ("PACKET_REQUEST_NEWAPP",     "NEWAPP");
  define ("PACKET_REQUEST_INQAPP",     "INQAPP");
  define ("PACKET_REQUEST_MIR",        "MIR");
  define ("PACKET_REQUEST_MA",         "MA");
  define ("PACKET_REQUEST_ES",         "ES");
  define ("PACKET_REQUEST_ES_TOC",     "TOC");


  define ("PACKET_DEFAULT_CUTOFF_DAYS", 366);
  define ("PACKET_DEFAULT_INQ_CUTOFF", '20000101');
  define ("PACKET_DEFAULT_NEW_CUTOFF", '20060101');
  define ("PACKET_MIN_FETCH_DAYS", 7);
  define ("PACKET_SECONDS_DAY", 86400);

// CORE request connection constants:
// # of times to retry getting data from core if connection timed out
define ("CURL_CONN_TO_CORE_DEFAULT_RETRIES", 2);
// Number of seconds to wait/sleep between each try
define ("CURL_CONN_TO_CORE_RETRY_DELAY", 2);

  // imports
  require_once (dirname(__FILE__) . '/../../shared/library/xml_processing.i');

  /**
   *
   *  Functions for retrieving data from a HomeCU Appliance
   *
   ** ** PUBLIC FUNCTIONS **
   *
   *  GetMemberInfo     -- Gets the MIR request for a member number
   *
   *  GetMemberES      -- Get the member eStatement from the core
   *
   *  FindMemberAccounts -- This will return the member accounts / mir for a given member number
   *
   *  LoadUserData       -- This will get the member INQ packet from the core and populate the database tables
   *
   *  LoadCrossAcctData  -- This will get the XAC packet from the core and populate the database tables
   *
   *  VerifyMemberPin   -- Verify the member pin from the core
   *
   *  PostTransactionRequest -- This handles all types of transactions requests
   *                            TRN / MA / NEWAPP / ES
   *
   ** ** PRIVATE FUNCTIONS **
   *
   *  _ProcessAPIResponse    -- Parses the response from the api and breaks into the components
   *
   *  _SendDataRequest       -- Sends the request to the homecu api server
   *
   *  _CreateAPIUrl          -- This will create the API URL from the connection settings
   *
   *  _ReturnCurlDefaults    -- Return the default CURL parameters for the request
   *
   *  _RetrieveMemberCrossAccount -- Retrieve the Member Cross Account packet
   *                                 from the CORE (XAC)
   *
   *  _RetrieveMemberES      -- Retrieve Membe Estatement from the core
   *
   *  _RetrieveMemberInfo    -- Retrieve the Member Information Packet from
   *                            the core (MIR) and process results.
   *
   *  _RetrieveMemberInquiry -- Retrieve the Member Inquiry packet from
   *                            the CORE (INQ)
   *
   *  _ReturnCUSettings      -- Get the Credit Union settings.  This included the information to connect with the appliance as well as the data settings
   *
   *  _ReturnCutoffDate      -- Return the cutoff based on the request and current data
   *
   ** ** PRIVATE FUNCTIONS  Related to Core Requst Log Table (cucorerequests)**
   *
   * _PopulateCUCoreRequestsTable   -- Insert or Update cucorerequset record
   *
   * _SkipCucorerequestsEntry       -- Return a skip flag for db operations
   *
   * _UpdateRequestStatus           -- Prepare status json object and update
   *                                   AFTER curl request
   *                                   Being called from _RetrieveMemberInquiry,
   *                                   _RetrieveMemberInfo, _RetrieveMemberES,
   *                                   _RetrieveMemberCrossAccount, and
   *                                   PostTransactionRequest
   *
   * _GetAdditionalQueryStr         -- Add additional query string
   *                                   for book-keeping
   *
   * _HideSensitiveContent          -- Hide sensitive information from live
   *                                   url and query string
   *
   * _PopulateApplianceId           -- Extract appliance_ip (ip or dns name)
   *                                   from live url
   *
   * _GetNextCucorerequestsSeqId    -- get next cucorerequests.id value from db
   *
   * _PrepareCucoreInfoBeforeRequest -- Insert cucorerequest record with initial
   *                                    information BEFORE curl request (being
   *                                    called from _SendDataRequest)
   *
   */
/**
 * ****
 * **** ERROR CODES *****
 * 50000 - 55000
 * _ParsePacketData
 * 50010 - _ProcessAPIResponse returned an error
 * 50020 - _GetPacketStatus retruend  an unknown status
 * 50030 - Member Number Out of Sync
 * ****
 * _RetrieveMemberInfo
 * 50050 - Member Number not set
 * 50060 - _ParsePacketData error
 * 50070 - Deprecated Status Codes
 * ****
 * FindMemberAccounts
 * 50101 - Invalid Member Account (MIR)
 * 50102 - Invalid Member Account (INQ)
 * ****
 * LoadUserData
 * 50111 - Too soon to ask again
 * 50115 - Failed getting last packet status
 * 50120 - Failed updating packet status
 * LoadCrossAccountData
 * 50211 - Already requested this session
 * 50220 - Failed updating cross account data
 */
/**
 * *** **
 * *** ** PUBLIC FUNCTIONS **
 * *** **
 */


/**
 *  Request the MIR packet for a member from the core
 *
 *  @param array $pHbEnv   -- The current HB_ENV environment array
 *  @param array $pMbrData -- Array of data for retrieving a packet
 *                                type   - PACKET_REQUEST_MIR
 *                                member - member number of the MIR packet we want to request
 *                                email  - Send email if supplied
 *
 *
 * @return array            -- This will return a status array
 *                    [code]
 *                      {000} -- Good member
 *                         [data] array populated with mir packet information
 *                      {001} -- Invalid Account Number,
 *                        [data] array empty,
 *                        [error] set to 'Invalid Account Number'
 *                      {999} -- Invalid Account Number,
 *                        [data] array empty
 *                        [error] -- Error Message
 *
 */
function GetMemberInfo($pHbEnv, $pMbrData) {

  $retVal = Array("code" => '000', "data" => Array());

  try {

    /**
     *  ** GET CREDIT UNION SETTINGS **
     */
    $cuConnResp = _ReturnCUSettings($pHbEnv);
    if ($cuConnResp['code'] != '000') {
      throw new Exception ("Unable to Load CU Settings");
    }
    $cuConnSet = HCU_array_key_value('data', $cuConnResp);

    // ** Set the Member Number to retrieve
    $mbrRequest = HCU_array_key_value('member', $pMbrData);

    _ApplPrintLogger($pHbEnv, $cuConnSet, "\n** Get Member Info **\n");


    /*
     * MIR PACKET REQUEST
     */
    // $mirMbrData = array_combine($pMbrData, array("type" => PACKET_REQUEST_MIR));
    $mirResp = _RetrieveMemberInfo($pHbEnv, $cuConnSet, HCU_array_key_value('member', $pMbrData));

    if ($mirResp['code'] != '000') {
      throw new Exception ("Unable to retrieve MIR Packet - " . $mirResp['error']);
    }

    $retVal['code'] = '000';
    $retVal['data'] = $mirResp['data'];

  } catch (Exception $e) {
    _ApplPrintLogger($pHbEnv, $cuConnSet, "\n** Mbr Info Error Caught ** \n" . "({$e->getCode()})" . $e->getMessage() );
    $retVal['code'] = '999';
    $retVal['error'] = "Unable to retrieve data";
  }

  return $retVal;

}

/**
 *  Request E-Statement from the core
 *    This includes the Table of Contents and the E-Statement
 *
 *  @param array $pHbEnv   -- The current HB_ENV environment array
 *  @param array $pMbrData -- Array of data for retrieving a packet
 *                                member - member number of the EStatement we are retrieving
 *                                email  - Send email if supplied
 *                                statement-id - If supplied this statement is retrieved (ESTM), otherwise it will retrieve the Table of Contents (ETOC)
 *
 *
 * @return array            -- This will return a status array
 *                    [code]
 *                      {000} -- Good member
 *                         [data] array populated with mir packet information
 *                      {001} -- Invalid Account Number,
 *                        [data] array empty,
 *                        [error] set to 'Invalid Account Number'
 *                      {999} -- Invalid Account Number,
 *                        [data] array empty
 *                        [error] -- Error Message
 *
 */
function GetMemberES($pHbEnv, $pMbrData) {
  $retVal = Array("code" => '000', "data" => Array());

  try {

    /**
     *  ** GET CREDIT UNION SETTINGS **
     */
    $cuConnResp = _ReturnCUSettings($pHbEnv);
    if ($cuConnResp['code'] != '000') {
      throw new Exception ("Unable to Load CU Settings");
    }
    $cuConnSet = HCU_array_key_value('data', $cuConnResp);

    // ** Set the Member Number to retrieve
    $mbrRequest = HCU_array_key_value('member', $pMbrData);

    _ApplPrintLogger($pHbEnv, $cuConnSet, "\n** Get Estatement **\n");


    /*
     * EStatement REQUEST
     */
    if (HCU_array_key_value('statement-id', $pMbrData) != '') {
      $esType = PACKET_REQUEST_ES;
      $eStatementId = HCU_array_key_value('statement-id', $pMbrData);
    } else {
      $esType = PACKET_REQUEST_ES_TOC;
      $eStatementId = '';
    }

    $esResp = _RetrieveMemberES($pHbEnv, $cuConnSet, HCU_array_key_value('member', $pMbrData), HCU_array_key_value('email', $pMbrData), $esType, $eStatementId);

    if ($esResp['code'] != '000') {
      $retVal['code'] = '999';
      $retVal['error'] = $esResp['error'];
    } else {
      $retVal['code'] = '000';
      $retVal['data'] = $esResp['data'];
    }
  } catch (Exception $e) {
    _ApplPrintLogger($pHbEnv, $cuConnSet, "\n** ES Request Error Caught ** \n" . "({$e->getCode()})" . $e->getMessage() );
    $retVal['code'] = '999';
    $retVal['error'] = "Unable to retrieve data";
  }

  return $retVal;

}

/**
 *  Request Cross Account (XAC) packets from the core for all the user's member account
 *    This is a standard api request.  This will retrieve the XAC packet and update the
 *    useraccounts table.  Cross Account information does not get saved to the accountbalance record
 *
 *  @param array $pHbEnv -- Current HB_ENV setting
 *  @param integer $pUserId -- User ID for data that is being requested
 *  @param array $pUserData -- Array of data for the user
 *                                email  - The email to send to core that goes with the member
 *                                lastlogin - The lasttime the user logged in.. This is questionable.. at this time it will be the last time this USER logged in.
 *  @return array
 *              [code]
 *                {000, 900, 999}
 *                  000 - Success   - This can be set if the response from the core was successful and was not one of the known error codes.
 *                  900 - NO ACTION - This can be returned for "too soon to ask again"
 *                  999 - Failure   - This happens when the routine fails for any reason.  From communication to core error.
 *              [error]
 *              [data]
 *                 'requestDate' => packet stamp formatted to 'D M j Y H:i:s T'
 *                 'requestDesc' => Message from Core
*/
function LoadCrossAcctData($pHbEnv, $pUserId, $pUserData) {
  $retVal = Array("code" => "000", "data" => Array());

  $mbrReqType = PACKET_REQUEST_XAC;
  try {

    $pktDateStamp = date("U");

    /**
     * Before calling this function it is the responsibility of the programmer to determine
     *   If the XAC packet should be loaded.  This is an attempt to encapsulate this function and limit
     *   its dependencies
     */
    if (false) {
      throw new Exception("Already requested this session", 50211);
    }


    /*
     * Get CU Connection Settings
     */
    $cuConnResp = _ReturnCUSettings($pHbEnv);
    if ($cuConnResp['code'] != '000') {
      throw new Exception ("Unable to Load CU Settings");
    }
    $cuConnSet = HCU_array_key_value('data', $cuConnResp);

    _ApplPrintLogger($pHbEnv, $cuConnSet, "\n** Load User Data **\n");

    /*
     * 7/30/2018 - MWS
     * Implementing the new flag for creating Access Control entries from XAC
     * I don't want to hit the core for the new "xac" entries, so I am adding a new
     * flag to ONLY get member accounts the use has set to "Auto-Add".  This will
     * limit the number of calls to the core as they wouldn't be adding any of the
     * subsequent entries.
     * Trying to keep the calls to a minimum.
     * -- At this time, ONLY changing when CU3_CREATE_ACCESS_CONTROL_FROM_XAC is set
     */
    $showAutoAddOnly = (($pHbEnv['flagset3'] & GetFlagsetValue("CU3_CREATE_ACCESS_CONTROL_FROM_XAC")) > 0);

    $mbrAcctList = _ReturnMemberAcctList($pHbEnv, $pUserId, $showAutoAddOnly);
    if ($mbrAcctList['code'] != '000') {
      throw new Exception ("No Accounts Found");
    }

    /*
     * Loop through Member List
     */

    /*
     * Retrieve Member Data
     */
    foreach ($mbrAcctList['data'] as $idx => $subAcctItem) {
      /**
       * @var string Account number
       */
      $reqMemberAcctNbr = $subAcctItem['accountnumber'];

      /**
       *  mbrEmail
       */
        // ** Using the email from the user isn't always the right answer
          // ** we may want
      $paramEmail = HCU_array_key_value('email', $pUserData);
      $mbrEmail = (($paramEmail == '' || $paramEmail == 'no@email.com') ? "NULL" : trim($paramEmail));


      /**
       *  ** START THE PROCESS OF REQUESTING DATA FROM THE CORE
       */

      /**
       *  ** Build Data Request
       */

      $dataArray = Array(
                  "member" => $reqMemberAcctNbr,
                  "type"   => 'X',
                  "ref3" => $mbrEmail
                );
      _ApplPrintLogger($pHbEnv, $cuConnSet, print_r($dataArray, true));
      /*
       * Inquiry Packet Request
       */
      $acctResp = _RetrieveMemberCrossAccount($pHbEnv, $cuConnSet, $dataArray);

      if ($acctResp['code'] != '000') {
        if (in_array($acctResp['code'], array('001', '002', '003'))) {
          throw new Exception ($acctResp['error'], 50102);
        }
        throw new Exception ("Unable to retrieve list of accounts - " . $acctResp['error']);
      }
      $xmlPacket = $acctResp['data']['packet-xml'];

      /*
       *  UPDATE DATABASE (useraccounts)
       */

      $mbrData = Array(
        'type' => PACKET_REQUEST_XAC,
        'user_id' => $pUserId,
        'member' => $reqMemberAcctNbr
      );
      $dataResp = _SaveMemberXAData($pHbEnv, $cuConnSet, $mbrData, $xmlPacket);
      if ($dataResp['code'] !== '000') {
        // ** Error Updating the tables
        _ApplPrintLogger($pHbEnv, $cuConnSet, " *** **** ***** ERROR UPDATING TABLES ");
        throw new Exception ("Update Failure", 999);
      } else {
        if (($pHbEnv['flagset3'] & GetFlagsetValue("CU3_CREATE_ACCESS_CONTROL_FROM_XAC")) != 0 && intval(HCU_array_key_value('memberacct-added', $dataResp['data'])) > 0) {
          // ** SUCCESS -- IF ANY MemberAcct was added then just call LoadUserData to force packet fetch
          $userData = Array (
              'email'     => '',
              'lastlogin' => ''
          );

          /*
           * FOR Live CU Load all the member account related to the current user
           */
          $localDataResp = LoadUserData($pHbEnv, $pUserId, $userData);
          // ** Not sure if we care about a packet failure here -- If data is not loaded they simply will not see the newly added cross accounts
        }
      }

    }
    $retVal = Array('code' => '000', 'data' => array('requestDate' => $pktDateStamp, 'requestDesc' => 'Success'));
  } catch (Exception $e) {
    _ApplPrintLogger($pHbEnv, $cuConnSet, "\n Load Cross Account Data -- Catch Error :: ({$e->getCode()}) {$e->getMessage()}");
    // ** Not sure how to handle here
    if ($e->getCode() == 50211) {
      // ** Already requested this session
        // ** The last packet date is passed as the message in the thrown error
      $retVal = Array('code' => '900', 'data' => array('requestDate' => $e->getMessage(), 'requestDesc' => 'Too soon to ask again'));
    } else {
      // ** Unknown Error
      $retVal = Array('code' => '999', 'data' => array('requestDate' => 1, 'requestDesc' => 'Unable to retrieve data'));
    }
  }

  return $retVal;
}


/**
 *  Post transaction request to the core
 *    This function should handle all types of transactions requests
 *    TRN / MA / NEWAPP / ES
 *
 *  @param array $pHbEnv -- The current HB_ENV array
 *  @param array $pData  -- Array of data for retrieving a packet
 *                                pkt-type - one of the PACKET_REQUEST_{CONSTANTS} -- Used for parsing the data packet
 *                                ** Refer to specific transaction type below for additional parameters
 *  @param boolean $pSendAsPost -- (false default), (true - send the transaction request as a post to the core)
 *
 *  * Different transaction types have different values for the transaction *
 *  * TRN: (Normal Transaction {AT, LP, etc})
 *  *     member     - From Member Number
 *  *     type       - T (always)
 *  *     tran_code  - {AT, LP, etc}
 *  *     ref1       - the "FROM" Suffix (sub-account)
 *  *     ref2       - the "TO"   Suffix (sub-account)
 *  *     ref3       - email associated with the transaction 'member'
 *  *     ref4       - misc1 value (used for LP)
 *  *     ref5       - the "TO" member number
 *  *     amount     - amount of transaction
 *  *     tauth      - The "AUTHORIZING" member number (used for core defined joint transfers)
 *  *     tmemo      - The custom description to send to the core for this transfer
 *  *
 *  * MA: (Member Activation)
 *  *     member     - Member Number being activated
 *  *     type       - T
 *  *     tran_code  - MA
 *  *     ref1       - Last 4 digits of SSN
 *  *     ref2       - DOB MM/DD/YYYY
 *  *     ref3       - Email Address
 *  *     ref4       - Custom Field 1 (Number portion of street address)
 *  *     ref5       - E-Statement activiation answer {Y/N}
 *  *
 *  * ES: (E-Statement Signup Enroll/Decline)
 *  *     member     - Member Number associated with E-Statement change
 *  *     type       - T (always)
 *  *     tran_code  - ES
 *  *     ref3       - email for the member to be updated on the core (if core allows)
 *  *     ref5       - {Y/N} - determines enroll or decline
 *  *
 *  * NEWAPP: (Submit a new Loan application to the core)
 *  *     member     - Member Number associated with E-Statement change
 *  *     type       - NEWAPP (always)
 *  *     ref1       - Loan data to POST to the core
 *  *     ref3       - email for the member to be updated on the core (if core allows)
 *  *
 *  * INQAPP: (Inquire status of a previously submitted loan application)
 *  *     member     - Member Number associated with E-Statement change
 *  *     type       - INQAPP (always)
 *  *     ref1       - Loan App Id that is being queried
 *  *     ref3       - email for the member to be updated on the core (if core allows)
 *  *
 *
 *

 *
 *  @return array
 *              [code]  - {000 -- Success

 *                         999 -- General error returned}
 *              [error] - ** ONLY code != 000
 *              [data]
 */
function PostTransactionRequest($pHbEnv, $pData, $pSendAsPost=false) {
  $retVal = array("code" => "000", "data" => array());

  $packetsize = 0;
  $origPktStatCode = "";
  $origPktStatDesc = "";
  $origPktStatExtra = "";

  $transTempl = Array(
    "member"    => "NULL",
    "type"      => "NULL",
    "tran_code" => "NULL",
    "ref1"      => "NULL",
    "ref2"      => "NULL",
    "ref3"      => "NULL",
    "ref4"      => "NULL",
    "ref5"      => "NULL",
    "amount"    => "NA",
    "tauth"     => "NULL",
    "tmemo"     => "NULL"
  );

  try {

    /**
     *  ** GET CREDIT UNION SETTINGS **
     */
    $cuConnResp = _ReturnCUSettings($pHbEnv);
    if ($cuConnResp['code'] != '000') {
      throw new Exception ("Unable to Load CU Settings");
    }
    $cuConnSet = HCU_array_key_value('data', $cuConnResp);

    _ApplPrintLogger($pHbEnv, $cuConnSet, "\n** Make Transaction Request **\n");


    if (!is_array($pData)) {
      throw new Exception ("Invalid data");
    }

    /**
     * Determine the transaction values from the KNOWN transaction options
     */
    $setTransValues = array_intersect_key($pData, $transTempl);
    // ** Now append the values that did were NOT referenced
    $setTransValues = array_merge($setTransValues, array_diff_key($transTempl, $setTransValues));

    // ** setTransValues should be all known values to be posted to the core
    // _ApplPrintLogger($pHbEnv, $cuConnSet,  print_r($setTransValues, true));

    // ** Make the request **
    //    * build the request string
    $packetQuery = http_build_query($setTransValues);

    // ** send the request as a GET or POST??
    if ($pSendAsPost) {
      $sendPost = $packetQuery;
      $sendGet = '';
    } else {
      $sendGet = $packetQuery;
      $sendPost = '';
    }


    $sendDataResp = _SendDataRequest($pHbEnv, $cuConnSet, $sendGet, $sendPost);
    $cucorereqAfter = HCU_array_key_value("cucorereq_after", $sendDataResp);

    // ** ONLY bail out for 999, preserve the transaction posting error
      // ** this identifies an error in the 'process' of getting the packet
    if ($sendDataResp['code'] == '999') {
      // ** Error -- Getting data from core... Does the detailed error matter??
          // ** Or can I just respond 999 -- Errors here will be communication or incomplete packet
      throw new Exception ('Data Request Error');
    }
    /*
     * Each transaction request type has potential different response options
     */
    $mbrData = Array(
              "type" => HCU_array_key_value("pkt-type", $pData),
              "member" => (HCU_array_key_exists("tauth", $pData) ? HCU_array_key_value("tauth", $pData) : HCU_array_key_value("member", $pData))
    );
    //_ApplPrintLogger($pHbEnv, $cuConnSet, print_r($mbrData, true));
    $packetContent = HCU_array_key_value('packet', $sendDataResp);
    $packetsize = strlen($packetContent);
    $xmlParse = _ParsePacketData($pHbEnv, $cuConnSet, $mbrData, $packetContent);
    //_ApplPrintLogger($pHbEnv, $cuConnSet, print_r($xmlParse, true));
    if ($xmlParse['code'] != '000') {
      // ** General Error
      throw new Exception ("General Error");
    }

    // ** Check for actual error being returned
    /**
     * THE REQUEST WAS SUCCESSFUL -- RETURN THE RESPONSE TO THE CALLER
     *  This function will still return 000 for the code...
     *
    if (HCU_array_key_value("pktStatCode", $xmlParse['data']['packet-status']) == '999') {
      // ** Error Parsing -- throw error
      throw new Exception (HCU_array_key_value("pktStatDesc", $xmlParse['data']['packet-status']));
    }
    *
    *
    **/

    $origPktStatCode = HCU_array_key_value("pktStatCode", $xmlParse['data']['packet-status']);
    $origPktStatDesc = HCU_array_key_value("pktStatDesc", $xmlParse['data']['packet-status']);
    $origPktStatExtra = HCU_array_key_value("pktStatExtra", $xmlParse['data']['packet-status']);

    $retVal['data']['seg1'] = HCU_array_key_value("pktStatMember", $xmlParse['data']['packet-status']);
    $retVal['data']['code'] = $origPktStatCode;
    $retVal['data']['desc'] = $origPktStatDesc;

    _ApplPrintLogger($pHbEnv, $cuConnSet, "\n* Packet Resp Status *\n" . print_r($xmlParse['data']['packet-status'], true) . "\n");


  } catch (Exception $e) {
    /// * reset data array - prevent data from being returned
    $retVal['data'] = Array();
    $retVal['code'] = '999';
    $retVal['error'] = ($e->getMessage() != '' ? $e->getMessage() : "General Error");
    $cucorereqAfter["errors"][] = $e->getMessage();
  }
  _UpdateRequestStatus($pHbEnv, $cuConnSet, $cucorereqAfter, $packetsize, $origPktStatCode, $origPktStatDesc, $origPktStatExtra);
  return $retVal;
}


/**
 *  This function is used to return a member info packet (MIR) and the
 *  sub accounts associated with the account number (member) requested
 *
 *  @param array $pHbEnv -- The current HB_ENV array
 *  @param array $pMbrData -- Array of data for retrieving a packet
 *                                member - member number for request
 *                                email  - Send email if supplied
 *
 *  @return array
 *              [code]  - {000 -- Success
 *                         001 -- Invalid Account number
 *                         999 -- General error returned}
 *              [error] - ** ONLY code != 000
 *              [data]
 *                [mir]
 *                [accounts]
 *                  [deposit]
 *                  [loan]
 */
function FindMemberAccounts($pHbEnv, $pMbrData) {
  $retVal = array("code" => "000", "data" => array());

  /**
   * array of Sub Accounts
   */
  $subAcctListAry = Array("deposit" => Array(), "loan" => Array());
  $balTemplates = GetBalanceTemplates();

  try {


    /**
     *  ** GET CREDIT UNION SETTINGS **
     */
    $cuConnResp = _ReturnCUSettings($pHbEnv);
    if ($cuConnResp['code'] != '000') {
      throw new Exception ("Unable to Load CU Settings");
    }
    $cuConnSet = HCU_array_key_value('data', $cuConnResp);

    _ApplPrintLogger($pHbEnv, $cuConnSet, "\n** Find Member Accounts **\n");

    if (($pHbEnv["flagset3"] & GetFlagsetValue("CU3_MIR_PACKET_NOT_SUPPORTED")) === 0) {
      /*
       * MIR PACKET REQUEST
       */
      // $mirMbrData = array_combine($pMbrData, array("type" => PACKET_REQUEST_MIR));
      $mirResp = _RetrieveMemberInfo($pHbEnv, $cuConnSet, HCU_array_key_value('member', $pMbrData));

      if ($mirResp['code'] != '000') {
        if ($mirResp['code'] == '001') {
          throw new Exception ($mirResp['error'], 50101);
        }
        throw new Exception ("Unable to retrieve MIR Packet - " . $mirResp['error']);
      }
      // ** CONTINUE
      // ** Add Mir Data to data to be returned
      $retVal['data']['mir'] = $mirResp['data'];
    }

    /*
     * MEMBER SUB ACCOUNT REQUEST
     */
    /**
     *  mbrEmail -- I don't want to risk the core email being overwritten by passing an email here --
     */
    // $mbrEmail = (in_array(HCU_array_key_value('email', $pMbrData), array('', 'no@email.com')) ? "NULL" : HCU_array_key_value('email', $pMbrData));
    $mbrEmail = 'NULL';
    /**
     * Last Login
     */
    $mbrLastLogin = 'NULL';

    /**
     *  ** GET CUTOFF DATE **
     *  ** USE TOMORROW AS THE CUTOFF -- THIS WILL LIMIT HISTORY THAT IS RETURNED
     */
    $packetCutoff = date('Ymd', time() + 86400);

    $lastPktStamp = 'NULL';
    /**
     *  ** Build Data Request
     */
    $dataArray = Array(
          "member" => HCU_array_key_value('member', $pMbrData),
          "if_mod_since" => $lastPktStamp,
          "ref3" => $mbrEmail,
          "cutoff" => $packetCutoff
        );

    /*
     * Inquiry Packet Request
     */
    $acctResp = _RetrieveMemberInquiry($pHbEnv, $cuConnSet, $dataArray);

    if ($acctResp['code'] != '000') {
      if (in_array($acctResp['code'], array('001', '002', '003'))) {
        throw new Exception ($acctResp['error'], 50102);
      }
      throw new Exception ("Unable to retrieve list of accounts - " . $acctResp['error']);
    }

    /**
     * Loop through the returned accounts and format into the desired structure
     */
    foreach ($balTemplates as $tmplKey => $tmplValue) {
      // ** Loop through each type of expected table and modify to only return the expected columns
      if (HCU_array_key_exists($tmplValue['inquiry-key'], $acctResp['data']['packet-data'])) {
        // ** Their IS data for this type -- Loop through array and get the information we want
        $inqAcctList = $acctResp['data']['packet-data'][$tmplValue['inquiry-key']];
        if (is_array($inqAcctList)) {
          foreach ($inqAcctList as $listIdx => $listArray) {
            $subAcctListAry[$tmplKey][] = array_intersect_key($listArray, array_flip($tmplValue['field-list']));
          }
        }

      }

    }

    /*
     * Cross Account Transfer List
     */

    if (($pHbEnv['flagset3'] & GetFlagsetValue('CU3_API_XAC'))) {
      // * Retrieve Packet
      $dataArray = Array(
                  "member" => HCU_array_key_value('member', $pMbrData),
                  "type"   => 'X',
                  "ref3" => $mbrEmail
                );

      /*
       * Inquiry Packet Request
       */
      $acctResp = _RetrieveMemberCrossAccount($pHbEnv, $cuConnSet, $dataArray);
      // * Parse Packet
      if ($acctResp['code'] != '000') {
        if (in_array($acctResp['code'], array('001', '002', '003'))) {
          throw new Exception ($acctResp['error'], 50102);
        }
        throw new Exception ("Unable to retrieve list of accounts - " . $acctResp['error']);
      }


      $crossAcctFieldList = Array(
                  "accountnumber",
                  "tomember",
                  "accounttype",
                  "deposittype",
                  "description",
                  "may_deposit",
                  "may_withdraw"
                );

      // ** Loop through the crossaccounts list
      if (HCU_array_key_exists("crossaccounts", $acctResp['data']['packet-data'])) {
        // ** Their IS data for this type -- Loop through array and get the information we want
        $inqAcctList = $acctResp['data']['packet-data']['crossaccounts'];
        if (is_array($inqAcctList)) {
          foreach ($inqAcctList as $listIdx => $listArray) {
            $subAcctListAry['xa'][] = array_intersect_key($listArray, array_flip($crossAcctFieldList));
          }
        }

      }


    }


    $retVal['data']['accounts'] = $subAcctListAry;

  } catch (Exception $e) {
    /// * reset data array - prevent data from being returned
    $retVal['data'] = Array();
    switch ($e->getCode()) {
      case 50101:
      case 50102:
        $retVal['code'] = '001';
        // ** always return 'Invalid Account Number' with 001
        $retVal['error'] = "Invalid Account Number";
        break;
      default:
        $retVal['code'] = '999';
        $retVal['error'] = "Unable to retrieve data";
    }
  }
  return $retVal;
}

/**
 *  Verify a member PIN with the core for a member number.
 *  This process will make an INQ request to the core but includes the PIN
 *    for validation.
 *   On error this will return the status code from the core to identify the
 *     failed reason.
 *   On success this will return the list of accounts this user has access to
 *     so they can be added to their useraccounts list.
 *
 *  This is used for authenticating a member for the first time.
 *  For normal balance / history queries we do NOT request data with the PIN
 *
 *  @param array $pHbEnv -- The current HB_ENV array
 *                          [dbh] - database handle
 *
 *  @param array $pMbrData -- Array of data for retrieving a packet
 *                                member - member number for request
 *                                pin    - pin code to verify on the core
 *                                email  - (optional) future use
 *
 *  @return array
 *              [code]  - {000 -- Success
 *                         001 -- Invalid Account number
 *                         002 -- Invalid PIN
 *                         003 -- Closed Account
 *                         004 -- Member already in system?
 *                         999 -- General error returned}
 *              [error] - ** ONLY code != 000
 *              [data]
 *                [accounts]
 *                  [deposit]
 *                  [loan]
 *                  [xa]
 *
 */
function VerifyMemberPin($pHbEnv, $pMbrData) {
  $retVal = array("code" => "000", "data" => array());

  $subAcctListAry = Array("deposit" => Array(), "loan" => Array());
  $balTemplates = GetBalanceTemplates();

  try {

    /**
     *  ** GET CREDIT UNION SETTINGS **
     */
    $cuConnResp = _ReturnCUSettings($pHbEnv);
    if ($cuConnResp['code'] != '000') {
      throw new Exception ("Unable to Load CU Settings");
    }
    $cuConnSet = HCU_array_key_value('data', $cuConnResp);

    _ApplPrintLogger($pHbEnv, $cuConnSet, "\n** Verify Member PIN **\n");


    /*
     * MEMBER SUB ACCOUNT REQUEST WITH PIN
     */
    /**
     *  mbrEmail -- do NOT pass the email to the core when verifying the email.. This could possibly have the side effect of modifying the member email unintentionally
     *
     */
    $mbrEmail = "NULL";
    //    $mbrEmail = (in_array(HCU_array_key_value('email', $pMbrData), array('', 'no@email.com')) ? "NULL" : HCU_array_key_value('email', $pMbrData));

    /**
     * Last Login
     */
    $mbrLastLogin = 'NULL';

    /**
     *  ** GET CUTOFF DATE **
     *  ** USE TOMORROW AS THE CUTOFF -- THIS WILL LIMIT HISTORY THAT IS RETURNED
     */
    $packetCutoff = date('Ymd', time() + 86400);

    $lastPktStamp = '1';
    /**
     *  ** Build Data Request
     */
    $dataArray = Array(
          "member"       => HCU_array_key_value('member', $pMbrData),
          "if_mod_since" => $lastPktStamp,
          "ref3"         => $mbrEmail,
          "cutoff"       => $packetCutoff,
          "pass"         => HCU_array_key_value('pin', $pMbrData)
        );

    /*
     * Inquiry Packet Request
     */
    $acctResp = _RetrieveMemberInquiry($pHbEnv, $cuConnSet, $dataArray);

    if ($acctResp['code'] != '000') {
      /**
       * Member Inquiry failed -- need to return the message to the calling function
       */
      if (in_array($acctResp['code'], array('001', '002', '003'))) {
        throw new Exception ($acctResp['code'], 50102);
      }
      throw new Exception ("Unable to retrieve list of accounts - " . $acctResp['error']);
    }

    /**
     * Loop through the returned accounts and format into the desired structure
     */
    foreach ($balTemplates as $tmplKey => $tmplValue) {
      // ** Loop through each type of expected table and modify to only return the expected columns
      if (HCU_array_key_exists($tmplValue['inquiry-key'], $acctResp['data']['packet-data'])) {
        // ** Their IS data for this type -- Loop through array and get the information we want
        $inqAcctList = $acctResp['data']['packet-data'][$tmplValue['inquiry-key']];
        if (is_array($inqAcctList)) {
          foreach ($inqAcctList as $listIdx => $listArray) {
            $subAcctListAry[$tmplKey][] = array_intersect_key($listArray, array_flip($tmplValue['field-list']));
          }
        }

      }

    }


    /*
     * Cross Account Transfer List
     */

    if (($pHbEnv['flagset3'] & GetFlagsetValue('CU3_API_XAC'))) {
      // * Retrieve Packet
      $dataArray = Array(
                  "member" => HCU_array_key_value('member', $pMbrData),
                  "type"   => 'X',
                  "ref3" => $mbrEmail
                );

      /*
       * Inquiry Packet Request
       */
      $acctResp = _RetrieveMemberCrossAccount($pHbEnv, $cuConnSet, $dataArray);
      // * Parse Packet
      if ($acctResp['code'] != '000') {
        if (in_array($acctResp['code'], array('001', '002', '003'))) {
          throw new Exception ($acctResp['error'], 50102);
        }
        throw new Exception ("Unable to retrieve list of accounts - " . $acctResp['error']);
      }


      $crossAcctFieldList = Array(
                  "accountnumber",
                  "tomember",
                  "accounttype",
                  "deposittype",
                  "description",
                  "may_deposit",
                  "may_withdraw"
                );

      // ** Loop through the crossaccounts list
      if (HCU_array_key_exists("crossaccounts", $acctResp['data']['packet-data'])) {
        // ** Their IS data for this type -- Loop through array and get the information we want
        $inqAcctList = $acctResp['data']['packet-data']['crossaccounts'];
        if (is_array($inqAcctList)) {
          foreach ($inqAcctList as $listIdx => $listArray) {
            $subAcctListAry['xa'][] = array_intersect_key($listArray, array_flip($crossAcctFieldList));
          }
        }

      }


    }


    $retVal['data']['accounts'] = $subAcctListAry;



  } catch (Exception $e) {

    switch ($e->getCode()) {
      case 50101:
      case 50102:
        $retVal['code'] = $e->getMessage();
        switch ($e->getMessage()) {
          case '001':
            $retVal['error'] = "Invalid Account Number";
            break;
          case '002':
            $retVal['error'] = "Invalid Password";
            break;
          case '003':
            $retVal['error'] = "Closed Account";
            break;
        }
        break;
      default:
        $retVal['code'] = '999';
        $retVal['error'] = "Unable to retrieve data";
    }


  }

  return $retVal;
}

/**
 * This function is used by the background process to look at data
 *   for scheduled transactions and alerts. Obtain the balances and
 *   data back to the given cutoff date. Put the resultant information into
 *   the cutronXX so it doesn't affect regular banking information.
 *
 * TRON means "Temporary Resource Over Network".
 *
 * This function ignores cutoff times and last login and gaps in the history
 *   because it isreally testing for background processing.
 *
 * This function is still member account-based.
 *
 * Tables affected:
 *    cu_alertab (account balances), cu_alertah (account history),
 *    cu_alertlb (loan balances), cu_alertlh (loan history),
 *
 *
 *  @param array $pEnv -- The current Environment array (not complete)
 *  @param array $pMbrData -- Array of data for retrieving a packet
 *                                account - member account number for request
 *                                cutoff - date to which history is desired (could be future date if just want balances)
 *                                packetstamp  - timestamp for packets???
 *                                email - email for member account (can be "NULL" )
 *
 *  @return array
 *              [code]
 *                {000, 900, 999}
 *                  000 - Success   - This can be set if the response from the core was successful and was not one of the known error codes.
 *                  900 - NO ACTION - This can be returned for "too soon to ask again"
 *                  999 - Failure   - This happens when the routine fails for any reason.  From communication to core error.
 *              [error]
 *              [data]
 *                 'requestDate' => packet stamp formatted to 'D M j Y H:i:s T'
 *                 'requestDesc' => Message from Core
 */
function FetchMemberDataTRON( $pHbEnv, $pMbrData ) {
  $packetStatus = -1;

  $mbrReqType = PACKET_REQUEST_INQUIRY;
  try {
    /*
     * Get CU Connection Settings
     */
    $cuConnResp = _ReturnCUSettings( $pHbEnv );
    if ( $cuConnResp['code'] != '000' ) {
      throw new Exception ("Unable to Load CU Settings");
    }
    $cuConnSet = HCU_array_key_value( 'data', $cuConnResp );

    $Cu = $pHbEnv["Cu"];

    _ApplPrintLogger( $pHbEnv, $cuConnSet, "\n** Load User Data **\n" );

    $reqMemberAcctNbr = HCU_array_key_value( 'account', $pMbrData );

    // cutoff date
    $paramStamp = HCU_array_key_value( 'packetstamp', $pMbrData );
    $dataStamp = (($paramStamp == '') ? date( "Ymd" ) : trim($paramStamp));

    // cutoff date
    $paramCutoff = HCU_array_key_value( 'cutoff', $pMbrData );
    $dataCutoff = (($paramCutoff == '') ? date( "Ymd" ) : trim($paramCutoff));

    // email
    // ** NOTE: Using the email from the user isn't always the right answer as the user might not be the member.
    $paramEmail = HCU_array_key_value( 'email', $pMbrData );
    $dataEmail = (($paramEmail == '') ? "NULL" : trim($paramEmail));

      /**
       *  ** START THE PROCESS OF REQUESTING DATA FROM THE CORE
       */
      $dataArray = Array(
                  "member" => $reqMemberAcctNbr,
                  "type"   => 'I',
                  "if_mod_since" => $dataStamp,
                  "ref3" => $dataEmail,
                  "cutoff" => $dataCutoff
                );
      _ApplPrintLogger($pHbEnv, $cuConnSet, print_r($dataArray, true));
      /*
       * Inquiry Packet Request
       */
      $acctResp = _RetrieveMemberInquiry( $pHbEnv, $cuConnSet, $dataArray );

      // get the packet status from the core
      $packetStatus = HCU_array_key_value("packet-status", $acctResp['data']);
      $statusCode = HCU_array_key_value('pktStatCode', $packetStatus);

      if ($acctResp['code'] != '000') {
        if (in_array($acctResp['code'], array('001', '002', '003'))) {
          throw new Exception ( $acctResp['error'], $acctResp['code'] );
        }
        throw new Exception ("Unable to retrieve list of accounts - " . $acctResp['error']);
      }

      // get the packet data
      $xmlPacket = $acctResp['data']['packet-xml'];

      // Validate DataPacket is valid xml
      if ( !is_a($xmlPacket, "SimpleXMLElement") ) {
        // *NOT VALID XML OBJECT
        throw new Exception ("Data Packet Error");
      }

    /* FINISHED */
    $retVal = array('code' => '000', "status" => $statusCode, 'data' => array('requestData' => $xmlPacket, 'requestDesc' => 'Success'));
  } catch (Exception $e) {
    _ApplPrintLogger($pHbEnv, $cuConnSet, "\n Load User Data -- Catch Error :: ({$e->getCode()}) {$e->getMessage()}");
    // return the error code we are given as a three character string or a default error code
    $errorCodeTest = $e->getCode();
    $errorMessage = $e->getMessage();

    if ( $errorCodeTest > 0 ) {
      $errorCode = ( strlen( $errorCodeTest ) > 3 ) ? $errorCodeTest : substr( "000" . $errorCodeTest, -3 );
    } else {
      $errorCode = "999";
    }

    $retVal = array( 'code' => $errorCode, "status" => $statusCode, 'data' => array( 'requestData' => "", 'requestDesc' => $errorMessage ) );
  }

  return $retVal;
} // FetchMemberDataTRON

/**
 *  Load the plugin that will be used for this connection
 *  For the Standard HomeCU API load sAPIAppl.std.i
 *  For the new PLUS API load sAPIAppl.plus.i
 *
 *  @param array $pHbEnv -- The current HB_ENV array
 *
 *  @return NULL
 */
function IncludeApplPlugin($pHbEnv) {

  /**
   *  ** LOAD PLUGIN **
   */

  if (true) {
    /** STANDARD API **/
    require_once (dirname(__FILE__) . '/../../shared/library/sAPIAppl.std.i');
  } else {
    /** HOMECU API PLUS **/
    require_once (dirname(__FILE__) . '/../../shared/library/sAPIAppl.plus.i');
  }

}
/**
 * *** **
 * *** ** PRIVATE FUNCTIONS **
 * *** **
 */

/**
  *  Process the XML Packet
  *
  *  This will take the packet received and parse into the different pieces.
  *  This function does NOT care about what the data means.  It's only job is to
  *    ensure the data is a well formed xml and can be parsed.
  *  Returns an error if a problem arises from decoding the data
  *
  *  @param string $pDataPacket   -- the data packet to parse
  *
  *  @return array
  *                 This should return the parsed data
  *          code - {000, 999}
  *          data - N/A
  *          homecu-packet - simple xml object of the data returned
  *
  */
function _ProcessAPIResponse($pDataPacket) {

  $retVal = array("code"=>"000", "data"=>Array());
  $isXmlParseError = False;
  try {

    if ($pDataPacket != '') {

      // ** This will SUPPRESS libxml errors from being sent to STDERR
        // ** instead the errors will be added to the libxml_get_errors function
      libxml_use_internal_errors(true);

      // ** Let's try and parse
      $xml = simplexml_load_string($pDataPacket);


      if ($xml === false) {
        $libXmlErrors = libxml_get_errors();
        list($libXmlErrors,
             $isXmlParseError) = modifyXmlErrorsForLogging($libXmlErrors, $pDataPacket);

        $xmlErrors = HCU_JsonEncode($libXmlErrors);
        throw new Exception ($xmlErrors, -712);
      }

      $retVal['homecu-packet'] = $xml;
    } else {
      // ** EMPTY -- WRONG
      throw new Exception('Empty Data Packet', -710);
    }

  } catch (Exception $e ) {
    /*
     * SHOULD I RECORD THE ERROR
     */
    $retVal['code'] = '999';
    $retVal['error'] = "Unable to retrieve data " . $e->getMessage();
  }

  return array($retVal, $isXmlParseError);
}

/**
 *  Parse a homecu xml packet from the core.  This function will ensure the packet is well formed
 *    and perform additional test.
 *  It will return an array with the xml object and status
 *
 *  @param array $pHbEnv - The current HB_ENV environment settings
 *  @param array $pConnSet - The current connection settings
 *                     [debugMode] - Is debug mode enabled
 *  @param array $pMbrData - The member information for the request
 *                    [type]   - one of the PACKET_REQUEST_{CONSTANTS}
 *                    [member] - member number for request
 *  @param string $pPktData - The packet data that was returned from the core
 *
 *  @return array
 *            [code]
 *              {000, 999}
 *            [data]
 *              [packet-status]
 *              [packet-xml]
 */
function _ParsePacketData($pHbEnv, $pConnSet, $pMbrData, $pPktData) {
  $retVal = array("code" => "000", "data" => array());

  try {

    /*
     * Process API Response
     */
    list($xmlParse, $isXmlParseError) = _ProcessAPIResponse($pPktData);
    if ($xmlParse['code'] != '000') {
        if ($isXmlParseError) {
            _ApplPrintLogger($pHbEnv,
                             $pConnSet,
                             "_ParsePacketData Error (" . __FILE__ . ":" . __LINE__ . ") :: ". $xmlParse["error"],
                             True);
      }
      // ** Error Parsing -- throw error
      throw new Exception ("XML Parse " . $xmlParse['error'], 50010);
    }

    /**
     * ****  Set the XML Packet ****
     */
    $xmlPacket = $xmlParse['homecu-packet'];
    /*
     * Get Packet Status
     */
    $statResp = _GetPacketStatus(HCU_array_key_value('type', $pMbrData), $xmlPacket);
    if ($statResp['code'] != '000') {
      throw new Exception ("Unknown Status Returned", 50020);
    }
    _ApplPrintLogger($pHbEnv, $pConnSet, "\n* Packet Resp Status *\n" . print_r($statResp, true) . "\n");

    /*
     * Check Sync Member
     */
    if (_CheckSyncMember(HCU_array_key_value("type", $pMbrData), HCU_array_key_value('pktStatCode', $statResp['data']))) {
      // Explode MIR - RETURN DATA
      // ** Location is different based on the Packet type
      // * Default the value to the pktMember value returned from _GetPacketStatus
        // * BUT if that did not return a value for pktMember, then fallback to the original method
        // for finding the node
      if (HCU_array_key_exists("pktMember", $statResp['data'])) {
        $syncMember = HCU_array_key_value("pktMember", $statResp['data']);
      } else {
        $syncMember = trim($xmlPacket->{_GetRequestNodeName(HCU_array_key_value("type", $pMbrData))}->Member);
      }

      // ** Use the Member value from <Member if it was set.. Otherwise use the value in the <status
      if ($syncMember != $pMbrData['member']) {
        _ApplPrintLogger($pHbEnv, $pConnSet, "\n ** out of sync * requested ({$pMbrData['member']}) received ($syncMember)");

        // ** OUT OF SYNC
        throw new Exception ('Data Request Out of Sync', 50030);
      }
    }
    /**
     *  **** SUCCESS ****
     */
    $retVal['data']['packet-status'] = $statResp['data'];
    $retVal['data']['packet-xml']    = $xmlPacket;


  } catch (Exception $e) {
    $retVal['code'] = '999';
    switch ($e->getCode()) {
      case 50010:
      case 50020:
      case 50030:
        $retVal['error'] = $e->getMessage();
        break;
      default:
        $retVal['error'] = "Unable to retrieve data";
    }
  }

  return $retVal;
}
/**
 *  Get the status from the XML Packet
 *    The problem is the status can be organized in different sections depending on the type of request.
 *
 *  @param const $pReqType - This is one of the PACKET_REQUEST contants
 *  @param object $pXMLPacket - This is the XML Object
 *
 *  @return array
 *            [code] = {000, 999}
 *            [data]
 *                [pktStatMember] -- Member number from the status section
 *                [pktStatCode]   -- The status code that was returned from the request
 *                [pktStatDesc]   -- The associated Status description
 *                [pktStatExtra]  -- Any Extra meta data on end of the response
 *                [pktMember]     -- Member Number from the <Member> section
 *                [pktTime]       -- Packet Time Returned by the request
 *                [pktDate]       -- Packet Date (formatted date of packet time)
 *
 */
function _GetPacketStatus($pReqType, $pXMLPacket) {
  $retVal = Array('code' => '000', 'data' => array());
  $xpathLoc = '';

  $statKeyAry = Array('pktStatMember', 'pktStatCode', 'pktStatDesc', 'pktStatExtra');
  try {


    if (!($pXMLPacket instanceof SimpleXMLElement)) {
      // ** Not a simple xml object
      throw new Exception ('XML Packet Not an xml object');
    }
    /*
     * SWITCH statement to specify the xpath query for finding the status
     *  The status may not always be in the same location for all types
     *  // allows for a wildcard search
     */
    switch ($pReqType) {
      case PACKET_REQUEST_INQUIRY:
      case PACKET_REQUEST_VERIFY_PIN:
      case PACKET_REQUEST_TRN:
      case PACKET_REQUEST_MIR:
      case PACKET_REQUEST_MA:
      case PACKET_REQUEST_XAC:
      case PACKET_REQUEST_ES:
      case PACKET_REQUEST_ES_TOC:
        $xpathLoc = '//status';
        break;
      case PACKET_REQUEST_NEWAPP:
      case PACKET_REQUEST_INQAPP:
        $xpathLoc = '//Status';
        break;
      default:
        throw new Exception ('Packet Response Type Not Found');
    }

    $nodeSearch = $pXMLPacket->xpath($xpathLoc);
    if (count($nodeSearch)) {
      // At least one value found -- use the first
        // Use trim to remove the beginning/end new line
      $statValAry = explode ("\t", trim($nodeSearch[0][0], "\n"));

      // * If there aren't enough items returned, then add empty strings for each that is missing
      if (count($statValAry) < count($statKeyAry)) {
        $newItemCount = (count($statKeyAry) - count($statValAry));
        for ($idx = 0; $idx < $newItemCount; $idx++) {
          $statValAry[] = '';
        }
      }
      $retVal['data'] = array_combine($statKeyAry, $statValAry);
    }

    // ** MEMBER SECTION
    $xpathLoc = '//Member';

    $nodeSearch = $pXMLPacket->xpath($xpathLoc);
    if (count($nodeSearch) > 0) {

      // ** The Member tag section may include the PIN in the returned response
        // In this instance the Member number will not match correctly. Remove PIN
      $tmpMember = trim($nodeSearch[0][0]);

      if (strpos($tmpMember, "\t")) {
        // * Split on Tab and take first section
        $tmpMember = trim(substr($tmpMember, 0, strpos($tmpMember, "\t")));
      }

      // * Some information was found --- Add to the response
      $retVal['data']['pktMember'] = $tmpMember;
    }

    // ** TIME SECTION ** USE STANDARD XML Packet Lookup
    $xpathLoc = '//time';
    if ($pXMLPacket->time) {
      $timeNode = trim($pXMLPacket->time->__toString());
      if ($timeNode != '') {
        // ** Time Node was found -- Save the values to retVal
        list ($retVal['data']['pktTime'], $retVal['data']['pktDate']) = explode ("\t", $timeNode);
      }
    }


  } catch (Exception $e) {
    $retVal['code'] = '999';
    $retVal['error'] = 'Packet Status Not Found';
  }

  return $retVal;
}

/**
 *
 *  Inserts (before_request) OR Updates (after_request) the cucorerequests
 *  record associated with respect to $cucoreRequestRec["id"] value.
 *
 *  @param array $pHbEnv   -- The current HB_ENV array.  Used mostly for the
 *                            logger if need be.
 *  @param array $pConnSet -- This is the Connection information
 *                            from _ReturnCUSettings
 *  @param str $when           -- before_request or after_request
 *  @param array $cucoreRequestRec -- Associative array of cucorequests
 *                                record values
 *
 */
function _PopulateCUCoreRequestsTable($pHbEnv, $pConnSet, $when, $cucoreRequestRec) {
    try {
        if (array_key_exists('id', $cucoreRequestRec)) {
            if($cucoreRequestRec["id"] == NULL) {
                throw new Exception("cucorerequests.id value not set -- possibly preceding next_val('cucorerequests_id_seq') call failed!.");
            } else {
                $dbh = HCU_array_key_value('dbh', $pHbEnv);
                $lMc = HCU_array_key_value('MC', $pHbEnv);
                $pTableName = "cucorerequests";

                if ($when == "before_request") {
                    $cucoreRequestRec["appliance_ip"] = array_key_exists('appliance_ip', $cucoreRequestRec) ? $cucoreRequestRec["appliance_ip"] : "NULL";
                    $cucoreRequestRec["request_url"] = array_key_exists('request_url', $cucoreRequestRec) ? $cucoreRequestRec["request_url"] : "NULL";
                    $cucoreRequestRec["request_type"] = array_key_exists('request_type', $cucoreRequestRec) ? $cucoreRequestRec["request_type"] : "NULL";
                    $cucoreRequestRec["remote_ip"] = array_key_exists('remote_ip', $cucoreRequestRec) ? $cucoreRequestRec["remote_ip"] : "NULL";
                    $cucoreRequestRec["cu"] = array_key_exists('cu', $cucoreRequestRec) ? $cucoreRequestRec["cu"] : "NULL";
                    $cucoreRequestRec["accountnumber"] = array_key_exists('accountnumber', $cucoreRequestRec) ? $cucoreRequestRec["accountnumber"] : "NULL";
                    $cucoreRequestRec["request_start"] = DBTIMESTAMP_USETS;

                    # Insert record to cucorerequests table
                    $cucoreRequestRec['_action'] = "insert";
                    $insTableResp = SetDataTableUpdate($dbh, $pHbEnv, $lMc, $pTableName, $cucoreRequestRec, false);

                    if ($insTableResp['code'] != '000') {
                      throw new exception ('Data Insert Error', '901');
                    }
                }
                # $when = after_request
                else {
                    $updateArr = Array();
                    $updateArr["request_status"] = $cucoreRequestRec["request_status"];
                    $updateArr["id"] = $cucoreRequestRec["id"];
                    $updateArr["request_end"] = DBTIMESTAMP_USETS;
                    # custom expression
                    $updateArr["request_elapsed"] = "EXTRACT(EPOCH FROM (CURRENT_TIMESTAMP - request_start))::int";

                    # Update record to cucorerequests table for a specific id with
                    # additional information after the completion of request
                    # to the appliance
                    $updateArr['_action'] = "update";
                    $updTableResp = SetDataTableUpdate($dbh, $pHbEnv, $lMc, $pTableName, $updateArr, false);

                    if ($updTableResp['code'] != '000') {
                      throw new exception ('Data Update Error', '902');
                    }

                }
            }
        }
    }
    catch (Exception $e) {
        _ApplPrintLogger($pHbEnv, $pConnSet, "\n Error :: {$e->getMessage()} ({$e->getCode()})");
    }
}


/**
 * Utility function where extra logic can be implemented to return a flag
 * that will enable/disable inserting entries in the cucorerequests table
 *
 *  @param str $activeCu -- CU code of active CU
 *
 *  @return boolean $skip
 *             $skip --
 *                 true: skip db operation,
 *                 false: ok, populate request information to database
 *
 */
function _SkipCucorerequestsEntry($activeCu) {
    $skip = False;

    // Add a logic here to set $skip True or False
    // Example:
    // if (strtolower(trim($activeCu)) != "unofcu" &&  strtolower(trim($activeCu)) != "brown" ) {
    //      $skip = True;
    // }
    return $skip;
}


/**
 *
 *  Inserts (before_request) OR Updates (after_request) the cucorerequests
 *  record associated with respect to $cucoreRequestRec["id"] value.
 *
 *  @param array $pHbEnv   -- The current HB_ENV array.  Used mostly for the
 *                            logger if need be.
 *  @param array $pConnSet -- This is the Connection information
 *                            from _ReturnCUSettings
 *  @param array $cucorereqAfter -- includes:
 *         - record    - cucorerequests record values
 *         - curl_http - includes curl errno and http response code
 *         - errors    - any preceding error(s) being catched in
 *                       try/catch blocks
 *  @param int $packetsize -- size (strlen) of the packet response from
 *                            curl request
 *  @param str $origStatCode  --  status code
 *  @param str $origStatDesc  -- status description
 *  @param str $origStatExtra -- status extra value
 *
 *
 */
function _UpdateRequestStatus($pHbEnv, $pConnSet, $cucorereqAfter, $packetsize, $origStatCode, $origStatDesc, $origStatExtra) {

    $activeCu = HCU_array_key_value("cu", $pHbEnv);
    if  (!_SkipCucorerequestsEntry($activeCu)) {

        $recordAssoc = $cucorereqAfter["record"];
        $curlHttpMsgs = $cucorereqAfter["curl_http"];
        $errorMsgs = $cucorereqAfter["errors"];

        $requestStatus = Array();

        # populate status code and description returned by appliance
        $status = Array();
        $status["packetsize"] = $packetsize;
        if (is_null($origStatCode)) {$origStatCode = "";}
        if (is_null($origStatDesc)) {$origStatDesc = "";}
        if (is_null($origStatExtra)) {$origStatExtra = "";}
        $status["code"] = $origStatCode;
        $status["desc"] = $origStatDesc;
        $status["extra"] = $origStatExtra;
        # add curl_errno and http_code to status array
        $status["curl_errno"] = HCU_array_key_value("curl_errno", $curlHttpMsgs);
        $status["http_code"] = HCU_array_key_value("http_code", $curlHttpMsgs);
        $status["attempted_core_conns"] = $cucorereqAfter["attempted_core_conns"];

        $requestStatus["status"] = $status;

        # populate error messages
        $error = Array();
        $error["messages"] = join(" -> ", $errorMsgs);
        $requestStatus["error"] = $error;

        # populate note: db_error
        $note = Array();
        $note["dberror"] = db_last_error();
        if (is_null($note["dberror"])) {$note["dberror"] = "";}
        $requestStatus["note"] = $note;

        # prepare a final json object to be stored in `cucorerequests.request_status`
        $recordAssoc["request_status"] = json_encode($requestStatus);
        _PopulateCUCoreRequestsTable($pHbEnv, $pConnSet, "after_request", $recordAssoc);

    }
}

/**
 *
 * Retrieves $_SERVER['REMOTE_ADDR'], if exists
 *
 * @return $remoteAddr: $_SERVER['REMOTE_ADDR'], if exists, otherwise ''
 *
 */
function _GetRemoteIp() {
    if (array_key_exists('REMOTE_ADDR', $_SERVER)) {
        $remoteAddr = trim($_SERVER['REMOTE_ADDR']);
    } else {
        $remoteAddr = '';
    }
    return $remoteAddr;
}

 /**
 *  Prepare additional query string to append to curl url for book-keeping
 *  purposes
 *
 *  @param int $cucorerequestsSeqId -- associated cucorerequests.id
 *
 *  @return str $extraQueryStr
 *             $extraQueryStr -- extra query string. eg. corerespid=12my
 *
 */
function _GetAdditionalQueryStr($cucorerequestsSeqId) {
    if (array_key_exists('HTTP_HOST', $_SERVER)) {
        # eg. www4.homecu.net
        $serverHost = trim(explode(".", trim($_SERVER['HTTP_HOST']))[0]);
    } else {
        $serverHost = 'localhost';
    }
    return "corerespid=$cucorerequestsSeqId$serverHost";
}

/**
 *  Hide/mask sensitive information like password, form data, etc from
 *  query string (get or post data)
 *
 *  @param str $urlPortion      -- live server url
 *  @param array $queryStrArray -- post or get data (in query string format)
 *  @param str $extraQueryStr   -- extra query str eg. coreresp=xxSERVERHOST
 *
 *  @return str $returnUrl
                    -- full safe url to be stored in cucorerequests table
 *
 */
function _HideSensitiveContent($urlPortion, $queryStrArray, $extraQueryStr) {
    $replace_str = "HIDDEN";
    $type = trim($queryStrArray["type"]);

    switch ($type) {
        case "I":
            if (array_key_exists("pass", $queryStrArray)) {
                $queryStrArray["pass"] = $replace_str;
            }
            break;
        case "T":
            break;
        case "X":
            break;
        case "NEWAPP":
            if (array_key_exists("ref1", $queryStrArray)) {
                $queryStrArray["ref1"] = $replace_str;
            }
            if (array_key_exists("ref3", $queryStrArray)) {
                $queryStrArray["ref3"] = $replace_str;
            }
            break;
        case "ESTMT":
            break;
        case "ETOC":
            break;
    }

    $querySep = (strstr($urlPortion, '?') ? '&' : '?');
    $returnUrl = $urlPortion . $querySep . http_build_query($queryStrArray);

    $querySep = (strstr($returnUrl, '?') ? '&' : '?');
    $returnUrl .= $querySep . $extraQueryStr;

    return $returnUrl;
}

 /**
 *  Populate appliance_ip information in for cucorerequests table record
 *
 *  @param array $pHbEnv   -- The current HB_ENV array.  Used mostly for the
 *                            logger if need be.
 *  @param array $pConnSet -- This is the Connection information
 *                            from _ReturnCUSettings
 *  @param str $hculiveURL -- HCU Live server url
 *  @param array $cucorerequestsRec -- Associative array of cucorequests
 *                                record values
 *
 *  @return array $cucorerequestsRec
 *              -- Associative array of cucorequests
 *                 record values with appliance_ip=value
 *
 */
function _PopulateApplianceId($pHbEnv, $cuConnSet, $hculiveURL, $cucorerequestsRec) {
    $appliance_id = NULL;
    try{
        $split_res = parse_url($hculiveURL, PHP_URL_HOST);
        if(!$split_res) {
            throw new Exception("Something went wrong while extracting appliance ip/dns for fetcher: $hculiveURL");
        }
        $appliance_id = $split_res;
    } catch (Exception $e) {
        _ApplPrintLogger($pHbEnv, $cuConnSet, "\n Error :: {$e->getMessage()}");
    }

    if ($appliance_id == NULL) {
        $cucorerequestsRec["appliance_ip"] = "Couldn't be extracted";
    } else {
        $cucorerequestsRec["appliance_ip"] = $appliance_id;
    }
    return $cucorerequestsRec;
}

 /**
 *  Obtains the nextval from cucorerequests_id_seq object
 *
 *  @param array $pHbEnv   -- The current HB_ENV array.  Used mostly for the
 *                            logger if need be.
 *  @param array $pConnSet -- This is the Connection information
 *                            from _ReturnCUSettings
 *
 *  @return int $nextSeqId or NULL
                        -- next integer value of cucorerequests.id
 *                         serial in normal case, otherwise, returns NULL
 *
 */
function _GetNextCucorerequestsSeqId($pHbEnv, $cuConnSet){
    $nextSeqId = NULL;
    try {
        $dbh = HCU_array_key_value('dbh', $pHbEnv);

        $cucorerequestsSql = "select nextval('cucorerequests_id_seq'::regclass);";
        $cucorerequestsSth = db_query($cucorerequestsSql, $dbh);

        if (!$cucorerequestsSth) {
            throw new Exception("cucorerequests_id_seq query failed ($cucorerequestsSql). DB error: " . db_last_error());
        }
        # get the next sequence number from `cucorerequests_id_seq` object
        $nextSeqId = intval(db_fetch_row($cucorerequestsSth,0)[0]);
    } catch (Exception $e) {
        _ApplPrintLogger($pHbEnv, $cuConnSet, "\n Error :: {$e->getMessage()}");
    }
    return $nextSeqId;
}

 /**
 *  Prepare cucorerequests record before making a curl request
 *
 *  @param array $pHbEnv   -- The current HB_ENV array.  Used mostly for the
 *                            logger if need be.
 *  @param array $pConnSet -- This is the Connection information
 *                            from _ReturnCUSettings
 *
 *  @return array {$cucorerequestsRecord, $extraQueryStr}
 *             $cucorerequestsRecord -- Associative array of cucorerequest
 *                                    record values
 *             $extraQueryStr -- extra query string. eg. corerespid=12my
 *
 */
function _PrepareCucoreInfoBeforeRequest($pHbEnv, $pConnSet, $hculiveURL, $queryStr) {
    $cucorerequestsRecord = Array();
    $extraQueryStr = "";
    $activeCu = HCU_array_key_value("cu", $pHbEnv);

    try {
        if (!_SkipCucorerequestsEntry($activeCu)){
            $cucorerequestsId = _GetNextCucorerequestsSeqId($pHbEnv, $pConnSet);
            $cucorerequestsRecord["id"] = $cucorerequestsId;

            if($cucorerequestsRecord["id"] != NULL) {

                $extraQueryStr = _GetAdditionalQueryStr($cucorerequestsRecord["id"]);

                parse_str($queryStr, $queryStrArray);
                $cucorerequestsRecord["request_url"] = _HideSensitiveContent($hculiveURL, $queryStrArray, $extraQueryStr);

                $cucorerequestsRecord["accountnumber"] = HCU_array_key_value("member", $queryStrArray);
                $cucorerequestsRecord["request_type"] = HCU_array_key_value("type", $queryStrArray);
                $cucorerequestsRecord["remote_ip"] = _GetRemoteIp();
                $cucorerequestsRecord["cu"] = $activeCu;
                $cucorerequestsRecord = _PopulateApplianceId($pHbEnv, $pConnSet, $hculiveURL, $cucorerequestsRecord);

                # populate request information to cucorerequests table before getting the packets
                _PopulateCUCoreRequestsTable($pHbEnv, $pConnSet, "before_request", $cucorerequestsRecord);
            }
        }

    } catch (Exception $e) {
        _ApplPrintLogger($pHbEnv, $pConnSet, "\n** Send Data Error Caught ** \n" . "({$e->getCode()})" . $e->getMessage() );
    }
    return Array($cucorerequestsRecord, $extraQueryStr);
}

/**
 *
 *  Send the Packet Request
 *
 *  This will send the packet to the core
 *
 *  @param array $pHbEnv   -- The current HB_ENV array.  Used mostly for the logger if need be.
 *  @param array $pConnSet -- This is the Connection information from _ReturnCUSettings
 *  @param string $pGetData --- URL Encoded string of key/value pairs
 *                                field1=val1&field2=val2field3=val%203
 *  @param string $pPostData -- URL Encodeed string of key/value pairs to be
 *                                sent as POST data
 *
 *  @return array {code, packet}
 *
 *
 *  mws tested 3/31/17
 *            * fail if no url
 *            * fail if curl handle empty
 *            * fail if request times out
 *            * fail if script not found (404)
 *
 *
 */
function _SendDataRequest($pHbEnv, $pConnSet, $pGetData, $pPostData=null) {

  $cucorerequestsErrors = Array();
  $reqStatCurlHttpInfo = Array("curl_errno" => "", "http_code" => "");
  $queryDataStr = "";

  $retVal = array("code" => "000", "packet" => "");

  try {

    $startTime = time();    // * Start time of request

    $envLogger = HCU_array_key_value('logger', $pHbEnv['SYSENV']);
    /*
     * Get the hculive API URL
     */
    $hculiveURL = _CreateAPIUrl($pConnSet);
    if ($hculiveURL == '') {
      throw new exception ('Unable to retrieve data', -700);
    }
    /*
     * OPEN CURL HANDLE
     */
    $curlHndl = curl_init($hculiveURL);

    if (!$curlHndl) {
      throw new Exception ('Unable to retrieve data', -701);
    }
    /* *** CONFIGURE *** */
      /* Configure the stream for transport */
    $curlOptions = _ReturnCurlDefaults();

    /* *** ASSIGN URL W/ GET QUERY *** */
    $querySep = (strstr($hculiveURL, '?') ? '&' : '?');
    $curlOptions[CURLOPT_URL] = $hculiveURL . $querySep . $pGetData;
    $queryDataStr = $pGetData;

    if (HCU_array_key_exists('platform', $pHbEnv)) {
      // ** Append the 'src=ABC' to the end of the URL
      $querySep = (strstr($curlOptions[CURLOPT_URL], '?') ? '&' : '?');
      $curlOptions[CURLOPT_URL] .= $querySep . 'src=' . $pHbEnv['platform'];
    }

    /* *** ASSIGN POST DATA *** */
    if ($pPostData !== null && $pPostData !== '') {
      $curlOptions[CURLOPT_POST] = 1;
      $curlOptions[CURLOPT_POSTFIELDS] = $pPostData;
      $queryDataStr = $pPostData;
    }

    # php passes arguments with pass by value, no need to worry about
    # accidental changes in hculiveURL and $queryDataStr
    list($cucorerequestsRecord, $extraQueryStr) = _PrepareCucoreInfoBeforeRequest($pHbEnv, $pConnSet, $hculiveURL, $queryDataStr);
    # if applicable, append extra query string to the actual url for book-keeping
    if ($extraQueryStr != "") {
        if ($pPostData !== null && $pPostData !== '') {
            $curlOptions[CURLOPT_POSTFIELDS] .= "&$extraQueryStr";
        } else {
            $querySep = (strstr($curlOptions[CURLOPT_URL], '?') ? '&' : '?');
            $curlOptions[CURLOPT_URL] .= $querySep . $extraQueryStr;
        }
    }

    _ApplPrintLogger($pHbEnv, $pConnSet, "\n** CURL OPTIONS **\n" . print_r($curlOptions, true));
    /*
     * CONNECTION TIMEOUT
     */
    curl_setopt_array ($curlHndl, $curlOptions);

    /* *** EXEC THE REQUEST *** */
    $coreConnAttempts = 0;
    $curlErrs = array();

    // Retry curl_exec for CURL_CONN_TO_CORE_DEFAULT_RETRIES number of
    // times when the curl error code for the request is 28
    // (CURLE_OPERATION_TIMEDOUT) More on curl error codes:
    // https://www.php.net/manual/en/function.curl-errno.php
    do {

        // pause before a retry
        if ($coreConnAttempts > 0 && CURL_CONN_TO_CORE_RETRY_DELAY > 0) {
            sleep(CURL_CONN_TO_CORE_RETRY_DELAY);
        }

        // execute curl request
        $applResponse = Array(
            'content' => curl_exec($curlHndl),
            'errno'   => curl_errno($curlHndl),
            'errmsg'  => curl_error($curlHndl),
            'header'  => curl_getinfo($curlHndl)
        );
        $curlErrNo = HCU_array_key_value("errno", $applResponse);
        ++$coreConnAttempts;

        // accumulate curl error codes for all attempts for
        // cucorerequests report
        $curlErrs[] = "Attempt#" . $coreConnAttempts . " : " . $curlErrNo;

    } while ($curlErrNo == CURLE_OPERATION_TIMEDOUT &&
             $coreConnAttempts < CURL_CONN_TO_CORE_DEFAULT_RETRIES);

    if ($coreConnAttempts == 1) {
        $reqStatCurlHttpInfo["curl_errno"] = $curlErrNo;
    } else {
        $reqStatCurlHttpInfo["curl_errno"] = implode(', ', $curlErrs);
    }

    _ApplPrintLogger($pHbEnv, $pConnSet, "\n* Appliance Response *\n" . print_r($curlOptions, true));

    /* ** CLOSE CONNECTION ** */
    curl_close($curlHndl);

    /* ** WAS THERE A CURL ERROR ** */
    if ($applResponse['errno'] != 0) {
      throw new Exception ($applResponse['errmsg'], -703);
    }

    /* ** WAS THERE AN HTML ERROR ** */
    // this html code is for the last core curl request connection (if
    // there were retries)
    if (HCU_array_key_exists('http_code', $applResponse['header'])) {
      $httpCode = HCU_array_key_value('http_code', $applResponse['header']);
      $reqStatCurlHttpInfo["http_code"] = $httpCode;
      // ** Validate http_code is 200
      if ($httpCode != '200') {
        // A script error was returned.  It could be a range of things.
        /**  common are
         * ** 400  Bad Request
         * ** 403  Forbidden
         * ** 404  Not Found
         * ** 500  Internal Server Error
         * ** 503  Service Unavailable
         */
        throw new Exception ("HTTP Request Failure", -704);
      }
    }

    /* *** RESPONSE META *** */
      /* Evaluate the response meta data and determine if all data is there */
    $retVal['packet'] = $applResponse['content'];
//print_r($applResponse['content']);
  } catch (Exception $e) {
    _ApplPrintLogger($pHbEnv, $pConnSet, "\n** Send Data Error Caught ** \n" . "({$e->getCode()})" . $e->getMessage() );

    // ** Error out
    $retVal['code'] = '999';
    // ** $e->getCode();
    $retVal['error'] = Array($e->getMessage());
    /* ** Create default packet for parsing **/
    $retVal['packet'] = '<?xml version="1.0" encoding="UTF-8"?><homecu-packet></homecu-packet>';
    // capture caught error to be updated to a record corresponding to
    // $cucorerequestsId
    $cucorerequestsErrors[] = $e->getMessage() . " ({$e->getCode()})";
  }

  $retVal["cucorereq_after"] = Array();
  $retVal["cucorereq_after"]["attempted_core_conns"] = $coreConnAttempts;
  $retVal["cucorereq_after"]["curl_http"] = $reqStatCurlHttpInfo;
  $retVal["cucorereq_after"]["record"] = $cucorerequestsRecord;
  $retVal["cucorereq_after"]["errors"] = $cucorerequestsErrors;

  $endTime = time();      // End of request function

  _ApplPrintLogger($pHbEnv, $pConnSet, "\n* Return From _SendDataRequest ** time :: " . ($endTime - $startTime) . " *\n" . print_r($retVal, true));

  return $retVal;
}

/**
 *
 *  Return the Live API Url for this credit union
 *
 *  @param array $pConnSet -- The connection settings for the hculive API server
 *
 *  @return string         -- "" empty string on failure
 *
 *  tested mws 3/31/17
 *              ** return empty string '' if liveserver is blank or #
 */
function _CreateAPIUrl ($pConnSet) {
  $retVal = '';

  try {
    $liveserver = trim(HCU_array_key_value('liveserver', $pConnSet));
    if ($liveserver == '' || $liveserver == '#') {
      throw new exception ('Server Configuration Empty');
    } else {
      $retVal = $liveserver;
    }


  } catch (Exception $e) {
    $retVal = '';
  }

  return $retVal;
}

/**
 *  Retrieve the Member Information Packet from the core (MIR)
 *  and process results.
 *  If successful, this will return the mir information in the data element
 *  If failed, an error will be returned
 *
 *  @param array $pHbEnv      -- The current HB_ENV setting
 *  @param array $pConnSet    -- The connection settings for the hculive API server
 *  @param array $pMbrRequest -- The member number being sent to core for MIR packet
 *
 *  @return array
 *                [code]
 *                     {000, 999}
 *                [data]
 */
function _RetrieveMemberInfo($pHbEnv, $pConnSet, $pMbrRequest) {

  $retVal = Array("code" => '000', "data" => Array());

  $mirFields = Array(
    "accountnumber",
    "firstname",
    "middlename",
    "lastname",
    "email",
    "homephone",
    "workphone",
    "cellphone",
    "fax",
    "ssn",
    "address1",
    "address2",
    "city",
    "state",
    "zip",
    "cc",
    "dob",
    "class"
  );

  $origPktStatCode = "";
  $origPktStatDesc = "";
  $origPktStatExtra = "";
  $packetsize = 0;

  // ** cc - country code
  /**
   * EXAMPLE Packet Response
  <MemberInfo>
  <Member>
  1234567
  </Member>
  <Info> Member[TAB]FirstName[TAB]MiddleName[TAB]LastName[TAB]Email[TAB]HomePhone[TAB]WorkPhone[TAB]CellPhone[TAB]Fax[TAB]SSN [TAB]Address1[TAB]Address2[TAB]City[TAB]State[TAB]Zip[TAB]CC[TAB]DateOfBirth\n
  </Info> </MemberInfo>
  **/
  try {
    _ApplPrintLogger($pHbEnv, $pConnSet, "\n** Get Member Info **\n");

    /* ** VALIDATION ** */
    if ($pMbrRequest == '') {
      throw new Exception ("Unknown Account Number", 50050);
    }

    $dataArray = Array(
              "member" => $pMbrRequest,
              "type"   => 'MIR'
            );
    $packetQuery = http_build_query($dataArray);

    _ApplPrintLogger($pHbEnv, $pConnSet, "\n* Packet Query *\n$packetQuery\n");
    $sendDataResp = _SendDataRequest($pHbEnv, $pConnSet, $packetQuery);
    $cucorereqAfter = HCU_array_key_value("cucorereq_after", $sendDataResp);

    if ($sendDataResp['code'] != '000') {
      // ** Error -- Getting data from core... Does the detailed error matter??
          // ** Or can I just respond 999 -- Errors here will be communication or incomplete packet
      throw new Exception ('Data Request Error');
    }
    /*
     * EXAMPLE Return Value
        $sendDataResp = Array(
          'code' => '000',
          'packet' => '<?xml version="1.0" encoding="UTF-8"?><homecu-packet>
        <status>958777  101 New Data</status>

        <MemberInfo>
        <Member>
        958777
        </Member>
        <Info>
        958777  Erna        Rollins erna.rollins@gmail.com  303-979-7550    303-597-5241    303-895-9429        ***-**-1275 PO BOX 1456     LITTLETON   CO  80127       19620530
        </Info>
        </MemberInfo></homecu-packet>
        '
      );
    */
    $mbrData = Array(
              "type" => PACKET_REQUEST_MIR,
              "member" => $pMbrRequest
    );

    $packetContent = HCU_array_key_value('packet', $sendDataResp);
    $packetsize = strlen($packetContent);
    $xmlParse = _ParsePacketData($pHbEnv, $pConnSet, $mbrData, $packetContent);
    if ($xmlParse['code'] != '000') {
      // ** Error Parsing -- throw error
      throw new Exception ("XML Parse " . $xmlParse['error'], 50060);
    }

    _ApplPrintLogger($pHbEnv, $pConnSet, "\n* Packet Resp Status *\n" . print_r($xmlParse['data']['packet-status'], true) . "\n");
    /* ******* *
     *
     * ** PROCESS PACKET RESPONSE **
     *
     * 101 New Data                        -- process packet
     *
     * 001 Invalid Account Number          -- return immediately -- invalid account number
     * 002 Invalid Password                -- change to 001 Invalid Account and return
     * 003 Closed Account                  -- change to 001 Invalid Account and return
     *
     * 002 Invalid Password                -- Password not used -- general error
     * 100 No New Data                     -- return immediately -- general error
     *
     * DEPRECATED -- 2XX codes imply we can communicate with appliance but NOT the core
     *            -- Returning any type of success is a false positive -- RETURN ERROR
     * 200 System Unavailable, No New Data -- return immediately
     * 201 System Unavailable, New Data    -- can't use stale for MIR
     * 202 System Unavailable, No Data     -- return immediately
     *
     * 999 Calling error or Invalid Parms  -- return immediately
     *
     *
     * ******* */

    $origPktStatCode = HCU_array_key_value("pktStatCode", $xmlParse['data']['packet-status']);
    $origPktStatDesc = HCU_array_key_value("pktStatDesc", $xmlParse['data']['packet-status']);
    $origPktStatExtra = HCU_array_key_value("pktStatExtra", $xmlParse['data']['packet-status']);

    switch ($xmlParse['data']['packet-status']['pktStatCode']) {
      case '101':

        // Explode MIR - RETURN DATA
        _ApplPrintLogger($pHbEnv, $pConnSet, "\n* Parse API Response *\n$packetQuery\n" . print_r($xmlParse, true));

        $xmlPacket = $xmlParse['data']['packet-xml'];

        $mirInfo = trim($xmlPacket->MemberInfo->Info, "\n");

        $recordValues = explode("\t", $mirInfo);

        _ApplPrintLogger($pHbEnv, $pConnSet, "\n* Response Values *\n" . print_r($recordValues, true));
        //        /* Combine column / values */
        // ** Validate the number of columns match before doing this.. Throw an error if they are mismatched
        _ApplPrintLogger($pHbEnv, $pConnSet, "\n* Column Count : tblCol " . count($mirFields) . " :: pktRec " . count($recordValues) . " *\n");

        // make sure there is a "class" value; use default if not there
        if ( count($mirFields) != count($recordValues) ) {
          $recordValues[count( $mirFields ) - 1] = "";
        }

        if (count($mirFields) != count($recordValues)) {
          throw new Exception ("Column Count Mismatch");
        }
        $mirInfoData = array_combine($mirFields, $recordValues);

        if ( isset( $pHbEnv['SYSENV']['devmode'] ) && $pHbEnv['SYSENV']['devmode']) {
          // ** We are in development mode -- It's possible the core is masking ssn -- Replace all * with 0
          $mirInfoData['ssn'] = str_replace('*', '0', $mirInfoData['ssn']);
        }

        // * Standardize the date of birth to MM/DD/YYYY
        // * Different cores are sending different format
        if (trim($mirInfoData['dob']) != '') {
          /**
           * Preferred format is MM/DD/YYYY
           * Others are YYYY-MM-DD MM-DD-YYYY YYYYMMDD
           *   * PRODIGY - YYYYMMDD
           * Use php strtotime to evaluate string and create a new date value
           *   it will recognize the primary format first
           */
          $mirInfoData['dob'] = date('m/d/Y', strtotime($mirInfoData['dob']));

        }

        $retVal['code'] = '000';
        $retVal['data'] = $mirInfoData;
        break;

      case '002':
      case '003':
        $retVal['code'] = '001';
        $retVal['error'] = 'INVALID ACCOUNT NUMBER';
        break;

      case '001':
      case '999':
        $retVal['code'] = $xmlParse['data']['packet-status']['pktStatCode'];
        $retVal['error'] = $xmlParse['data']['packet-status']['pktStatDesc'];
        break;

      case '100':
      case '200':
      case '201':
      case '202':
      default:
        throw new Exception("Packet Request Failed" . $xmlParse['data']['packet-status']['pktStatCode'], 50070);
    }
  } catch (Exception $e) {
    _ApplPrintLogger($pHbEnv, $pConnSet, "\n** Mbr Info Error Caught ** \n" . "({$e->getCode()})" . $e->getMessage() );
    $retVal['code'] = '999';
    $retVal['error'] = "Unable to retrieve data";
    $cucorereqAfter["errors"][] = $e->getMessage();
  }

  _UpdateRequestStatus($pHbEnv, $pConnSet, $cucorereqAfter, $packetsize, $origPktStatCode, $origPktStatDesc, $origPktStatExtra);
  return $retVal;

}

/**
 *  Retrieve the Member Information Packet from the core (MIR)
 *  and process results.
 *  If successful, this will return the mir information in the data element
 *  If failed, an error will be returned
 *
 *  @param array $pHbEnv      -- The current HB_ENV setting
 *  @param array $pConnSet    -- The connection settings for the hculive API server
 *  @param string $pMbrRequest -- Member number requesting e-statments
 *  @param string $pMbrEmail  -- Email of the member we are requesting
 *  @param string $pMbrCmd    -- This is one of the constants {PACKET_REQUEST_ES, PACKET_REQUEST_ES_TOC}
 *  @param string $pMbrStmtId -- ESTM ONLY -- STATEMENT ID we are requesting
 *
 *  @return array
 *                [code]
 *                     {000, 999, 001}
 *                [error]
 *                [data]
 *                     [TOC]
 *                     [statement]
 */
function _RetrieveMemberES($pHbEnv, $pConnSet, $pMbrRequest, $pMbrEmail, $pMbrCmd, $pMbrStmtId='') {

  $retVal = Array("code" => '000', "data" => Array());

  $tocFields = Array(
    "Member",
    "ID",
    "Type",
    "PeriodEnd",
    "Description",
    "Format"
  );

  $dataToc = Array();

  $origPktStatCode = "";
  $origPktStatDesc = "";
  $origPktStatExtra = "";
  $packetsize = 0;

  try {
    _ApplPrintLogger($pHbEnv, $pConnSet, "\n** Get E-Statement [$pMbrCmd] **\n");

    /* ** VALIDATION ** */
    if ($pMbrRequest == '') {
      throw new Exception ("Unknown Account Number", 50150);
    }

    /* STATEMENT ID MUST BE ENTERED FOR ESTM */
    if ($pMbrCmd == PACKET_REQUEST_ES && $pMbrStmtId == '') {
      throw new Exception ("Unknown Statement ID" , 50170);
    }

    $dataArray = Array(
              "member" => $pMbrRequest,
              "type"   => ($pMbrCmd == PACKET_REQUEST_ES ? "ESTM" : "ETOC")
            );
    if ($pMbrEmail != '') {
      $dataArray['ref3'] = $pMbrEmail;
    }
    if ($pMbrCmd == PACKET_REQUEST_ES) {
      $dataArray['ref1'] = $pMbrStmtId;
    }
    $packetQuery = http_build_query($dataArray);

    _ApplPrintLogger($pHbEnv, $pConnSet, "\n* Packet Query *\n$packetQuery\n");
    $sendDataResp = _SendDataRequest($pHbEnv, $pConnSet, $packetQuery);
    $cucorereqAfter = HCU_array_key_value("cucorereq_after", $sendDataResp);

    if ($sendDataResp['code'] != '000') {
      // ** Error -- Getting data from core... Does the detailed error matter??
          // ** Or can I just respond 999 -- Errors here will be communication or incomplete packet
      throw new Exception ('Data Request Error');
    }
    /*
     * EXAMPLE Return Value
    */

    /*
      *ETOC REQUEST
<?xml version="1.0" encoding="UTF-8"?><homecu-packet>
<status>85902   101 New Data</status>
<EStatementTOC>
<Member>
85902
</Member>
<TOC>
85902   2017-10 M   2017-10-31  2017-10-Statement (may not actually exist)  PDF
85902   2017-09 M   2017-09-30  2017-09-Statement (may not actually exist)  PDF
85902   2017-08 M   2017-08-31  2017-08-Statement (may not actually exist)  PDF
85902   2017-07 M   2017-07-31  2017-07-Statement (may not actually exist)  PDF
85902   2017-06 M   2017-06-30  2017-06-Statement (may not actually exist)  PDF
85902   2017-05 M   2017-05-31  2017-05-Statement (may not actually exist)  PDF
85902   2017-04 M   2017-04-30  2017-04-Statement (may not actually exist)  PDF
</TOC>
</EStatementTOC></homecu-packet>

    */

    /*
     * ESTM REQUEST for STATEMENT
<?xml version="1.0" encoding="UTF-8"?><homecu-packet>
<status>85920   101 New Data</status>
<EStatement>
<Member>
85920   2017-11 M   2017-11-30  2017-11-Statement   PDF
</Member>
<Data>
JVBERi0x...data...g==
</Data>
</EStatement></homecu-packet>
    */


    $mbrData = Array(
              "type" => $pMbrCmd,
              "member" => $pMbrRequest
    );
    $packetContent = HCU_array_key_value('packet', $sendDataResp);
    $packetsize = strlen($packetContent);
    $xmlParse = _ParsePacketData($pHbEnv, $pConnSet, $mbrData, $packetContent);
    if ($xmlParse['code'] != '000') {
      // ** Error Parsing -- throw error
      throw new Exception ("XML Parse " . $xmlParse['error'], 50160);
    }

    _ApplPrintLogger($pHbEnv, $pConnSet, "\n* Packet Resp Status *\n" . print_r($xmlParse['data']['packet-status'], true) . "\n");
    /* ******* *
     *
     * ** PROCESS PACKET RESPONSE **
     *
     * 101 New Data                        -- process packet
     *
     * 001 Invalid Account Number          -- return immediately -- invalid account number
     * 002 Invalid Password                -- change to 001 Invalid Account and return
     * 003 Closed Account                  -- change to 001 Invalid Account and return
     *
     * 002 Invalid Password                -- Password not used -- general error
     * 100 No New Data                     -- return immediately -- general error
     *
     * DEPRECATED -- 2XX codes imply we can communicate with appliance but NOT the core
     *            -- Returning any type of success is a false positive -- RETURN ERROR
     * 200 System Unavailable, No New Data -- return immediately
     * 201 System Unavailable, New Data    -- can't use stale for MIR
     * 202 System Unavailable, No Data     -- return immediately
     *
     * 999 Calling error or Invalid Parms  -- return immediately
     *
     *
     * ******* */
    $origPktStatCode = HCU_array_key_value("pktStatCode", $xmlParse['data']['packet-status']);
    $origPktStatDesc = HCU_array_key_value("pktStatDesc", $xmlParse['data']['packet-status']);
    $origPktStatExtra = HCU_array_key_value("pktStatExtra", $xmlParse['data']['packet-status']);

    switch ($xmlParse['data']['packet-status']['pktStatCode']) {
      case '101':
        // Explode MIR - RETURN DATA
        _ApplPrintLogger($pHbEnv, $pConnSet, "\n* Parse API Response *\n$packetQuery\n" . print_r($xmlParse, true));

        $xmlPacket = $xmlParse['data']['packet-xml'];

        if ($pMbrCmd == PACKET_REQUEST_ES_TOC) {
          // ** Get Table of Contents -- Returned for both types, but different xml tags
          $mbrToc = trim($xmlPacket->EStatementTOC->TOC);
        } else {
          $mbrToc = trim($xmlPacket->EStatement->Member);
        }

        $dataRow = strtok($mbrToc, "\n");
        while ($dataRow !== false) {
          //** Validate we have a line
          if ($dataRow != '') {
            // Parse each line -- Combine the 'columns' list with data line exploded on \t
            // ** Current interface (2017/11/22) is adding an extra <tab> at the end.
              // ** Perform a strip on the right side. This will leave the type column as the last field
            $dataRow = rtrim($dataRow);
            $recordValues = explode("\t", $dataRow);
            _ApplPrintLogger($pHbEnv, $pConnSet, "\n* TOC Response Values *\n" . print_r($recordValues, true));

            /* Combine column / values */
            // ** Validate the number of columns match before doing this.. Throw an error if they are mismatched
            // ** If the tab count doesn't match then ignore this entry

            if (count($tocFields) == count($recordValues)) {
              $updateRow = array_combine($tocFields, $recordValues);
              // ** Add row to information being returned
              if (count($updateRow) > 0) {
                $dataToc[] = $updateRow;
              }
            }
          }
          $dataRow = strtok("\n");
        }

        /* GET ACTUAL ESTATEMENT DATA */
        $esData = '';
        if ($pMbrCmd == PACKET_REQUEST_ES) {
          $esData = trim($xmlPacket->EStatement->Data);
        }

        $retVal['code'] = '000';
        $retVal['data']['TOC'] = $dataToc;
        $retVal['data']['statement'] = $esData;
        break;

      case '002':
      case '003':
        $retVal['code'] = '001';
        $retVal['error'] = 'INVALID ACCOUNT NUMBER';
        break;

      case '001':
      case '012':
      case '999':
        $retVal['code'] = $xmlParse['data']['packet-status']['pktStatCode'];
        $retVal['error'] = $xmlParse['data']['packet-status']['pktStatDesc'];
        break;

      case '100':
      case '200':
      case '201':
      case '202':
      default:
        throw new Exception("Packet Request Failed" . $xmlParse['data']['packet-status']['pktStatCode'], 50170);
    }
  } catch (Exception $e) {
    _ApplPrintLogger($pHbEnv, $pConnSet, "\n** ES Request Error Caught ** \n" . "({$e->getCode()})" . $e->getMessage() );
    $retVal['code'] = '999';
    $retVal['error'] = "Unable to retrieve data";
    $cucorereqAfter["errors"][] = $e->getMessage();
  }

  _UpdateRequestStatus($pHbEnv, $pConnSet, $cucorereqAfter, $packetsize, $origPktStatCode, $origPktStatDesc, $origPktStatExtra);
  return $retVal;
}


/**
 *  Retrieve the Member Cross Account packet from the CORE (XAC)
 *    This is the classic Cross Account request.
 *
 *  @param array $pHbEnv   -- The current HB_ENV setting
 *  @param array $pConnSet -- The connection settings for the hculive API server
 *  @param array $pReqData -- The request data to be sent to the core --
 *                  member -- Member number for
 *                  if_mod_since -- last packet stamp
 *                  ref3   -- email for inquiry request
 *                  cutoff -- cutoff date for request
 *                  pass   -- **optional password
 *
 *  @return array
 *                [code]
 *                     {000, 999}
 *                [data]
 *                  [packet-status]
 *                  [packet-xml]
 *                  [packet-data]
*/
function _RetrieveMemberCrossAccount ($pHbEnv, $pConnSet, $pReqData) {

  $retVal = Array("code" => '000', "data" => Array());
  $packetData = Array();

  $origPktStatCode = "";
  $origPktStatDesc = "";
  $origPktStatExtra = "";
  $packetsize = 0;

  try {
    $dataArray = array_merge ($pReqData, array("type" => "X"));
    $packetQuery = http_build_query($dataArray);

    _ApplPrintLogger($pHbEnv, $pConnSet, "\n** Packet XAC Query ** \n$packetQuery\n");

    // * * XAC member=99999&type=X&ref3=email@email.com

    $sendDataResp = _SendDataRequest($pHbEnv, $pConnSet, $packetQuery);
    $cucorereqAfter = HCU_array_key_value("cucorereq_after", $sendDataResp);

    if ($sendDataResp['code'] != '000') {
      // ** Error -- Getting data from core... Does the detailed error matter??
          // ** Or can I just respond 999 -- Errors here will be communication or incomplete packet
      throw new Exception ('Data Request Error');
    }

    $mbrData = Array(
              "type" => PACKET_REQUEST_XAC,
              "member" => $pReqData['member']
    );
    $packetContent = HCU_array_key_value('packet', $sendDataResp);
    $packetsize = strlen($packetContent);
    $xmlParse = _ParsePacketData($pHbEnv, $pConnSet, $mbrData, HCU_array_key_value('packet', $sendDataResp));
    if ($xmlParse['code'] != '000') {
      // ** Error Parsing -- throw error
      throw new Exception ("XML Parse " . $xmlParse['error'], 50060);
    }
    $dataPacket = $xmlParse['data']['packet-xml'];

    $origPktStatCode = HCU_array_key_value("pktStatCode", $xmlParse['data']['packet-status']);
    $origPktStatDesc = HCU_array_key_value("pktStatDesc", $xmlParse['data']['packet-status']);
    $origPktStatExtra = HCU_array_key_value("pktStatExtra", $xmlParse['data']['packet-status']);

    switch ($xmlParse['data']['packet-status']['pktStatCode']) {
      case '101':
        _ApplPrintLogger($pHbEnv, $pConnSet, "\n* STATCODE 101 *\n");
        /* ** NEW DATA ** */



        // ** Traverse to the Inquiry Node
        $tableName = 'crossaccounts';
        $tableDef = _GetPacketColumnList($pHbEnv, $tableName);
        $pktInquiryNode = $dataPacket->CrossAccount;
        // ** set the expected node string

        // ** Search for the expected <node> in the packet
        $tblPktData = $pktInquiryNode->{HCU_array_key_value('node', $tableDef)};
        $convResp = _ConvertPacketLineToArray($pHbEnv, $pConnSet, $tableName, $tblPktData);

        if ($convResp['code'] == '000') {
          if (count($convResp['data']) > 0) {
            $packetData[$tableName] = $convResp['data'];
          }
        }
        $retVal['data'] = $xmlParse['data'];
        $retVal['data']['packet-data'] = $packetData;

        break;
      case '100':
        _ApplPrintLogger($pHbEnv, $pConnSet, "\n* STATCODE 100 *\n");
        $retVal['data'] = $xmlParse['data'];
        break;

      /**
       * ERROR CASES
       *
       **/
      case '003':
        /* ** CLOSED ACCOUNT ** */
        _ApplPrintLogger($pHbEnv, $pConnSet, "\n* STATCODE 003 *\n");
        $retVal['code'] = '003';
        $retVal['error'] = 'Closed Account';
        break;
      case '001':
        /* ** INVALID ACCOUNT NUMBER ** */
        _ApplPrintLogger($pHbEnv, $pConnSet, "\n* STATCODE 001 *\n");
        $retVal['code'] = '001';
        $retVal['error'] = 'Invalid Account Number';
        break;
      case '999':
        /* ** CORE RETURN ERROR ** */
        _ApplPrintLogger($pHbEnv, $pConnSet, "\n* STATCODE 999 *\n");

        $retVal['code'] = '999';
        $retVal['error'] = $xmlParse['data']['packet-status']['pktStatDesc'];
        break;
      case '200':
      case '201':
      case '202':
      default:
        _ApplPrintLogger($pHbEnv, $pConnSet, "\n* DEPRECATED STATCODE *\n");
        /* ** DEPRECATED ** */
        /* ** UNKNOWN STATUS CODE ** */
        throw new Exception ('Unexpected Result');
        break;
   }
  } catch (Exception $e) {
    _ApplPrintLogger($pHbEnv, $pConnSet, "\n_RetrieveMemberInquiry Catch Error ({$e->getCode()}) :: {$e->getMessage()}");
    $retVal['code'] = '999';
    $retVal['error'] = "Unable to retrieve data";
    $cucorereqAfter["errors"][] = $e->getMessage();
  }

  _UpdateRequestStatus($pHbEnv, $pConnSet, $cucorereqAfter, $packetsize, $origPktStatCode, $origPktStatDesc, $origPktStatExtra);
  return $retVal;
}

/**
 *  Retrieve the Member Inquiry packet from the CORE (INQ)
 *    This is the classic standard request.  I am thinking this will NOT be called by
 *    the PLUS interface.  If it is, then it should be moved to sAPIAppl.i
 *
 *  @param array $pHbEnv   -- The current HB_ENV setting
 *  @param array $pConnSet -- The connection settings for the hculive API server
 *  @param array $pReqData -- The request data to be sent to the core --
 *                  member -- Member number for
 *                  if_mod_since -- last packet stamp
 *                  ref3   -- email for inquiry request
 *                  cutoff -- cutoff date for request
 *                  pass   -- **optional password
 *
 *  @return array
 *                [code]
 *                     {000, 001, 002, 003, 999}
 *                [data]
 *                  [packet-status]
 *                  [packet-xml]
 *                  [packet-data]
*/
function _RetrieveMemberInquiry ($pHbEnv, $pConnSet, $pReqData) {

  $retVal = Array("code" => '000', "data" => Array());
  $packetData = Array();

  $origPktStatCode = "";
  $origPktStatDesc = "";
  $origPktStatExtra = "";
  $packetsize = 0;

  try {

    $dataArray = array_merge ($pReqData, array("type" => "I"));
    $packetQuery = http_build_query($dataArray);

    _ApplPrintLogger($pHbEnv, $pConnSet, "\n** Packet Query ** \n$packetQuery\n");

    // ** packetQuery should look something like
    // * * INQUIRY member=$Cn&type=I&if_mod_since=$pktstamp&cutoff=$cutoff&ref3=$R3&lastlogin=$lastlogin
    // * * NEW MBR member=$Cn&type=I&if_mod_since=1&cutoff=20060101&pass=" . urlencode($pwd) . "&ref3=$R3";
/*
 *REMOVE FOR TESTING
 */

    $sendDataResp = _SendDataRequest($pHbEnv, $pConnSet, $packetQuery);
    $cucorereqAfter = HCU_array_key_value("cucorereq_after", $sendDataResp);


    if ($sendDataResp['code'] != '000') {
      // ** Error -- Getting data from core... Does the detailed error matter??
          // ** Or can I just respond 999 -- Errors here will be communication or incomplete packet
      throw new Exception ('Data Request Error');
    }

/*
 * end
*/
/* TEST ONLY */
/*
require_once ('../../banking/scripts/hcuSamplePacket.INQ.958777.sm.txt');
$sendDataResp = $testResp;
print "Data test";
*/
/* END TEST ONLY */


    $mbrData = Array(
              "type" => PACKET_REQUEST_INQUIRY,
              "member" => $pReqData['member']
    );

    $packetContent = HCU_array_key_value('packet', $sendDataResp);
    $packetsize = strlen($packetContent);
    $xmlParse = _ParsePacketData($pHbEnv, $pConnSet, $mbrData, $packetContent);
    if ($xmlParse['code'] != '000') {
      // ** Error Parsing -- throw error
      throw new Exception ("XML Parse " . $xmlParse['error'], 50060);
    }
    $dataPacket = $xmlParse['data']['packet-xml'];

    $origPktStatCode = HCU_array_key_value("pktStatCode", $xmlParse['data']['packet-status']);
    $origPktStatDesc = HCU_array_key_value("pktStatDesc", $xmlParse['data']['packet-status']);
    $origPktStatExtra = HCU_array_key_value("pktStatExtra", $xmlParse['data']['packet-status']);


   switch ($xmlParse['data']['packet-status']['pktStatCode']) {
      case '101':
        _ApplPrintLogger($pHbEnv, $pConnSet, "\n* STATCODE 101 *\n");
        /* ** NEW DATA ** */

        // ** Traverse to the Inquiry Node
        $pktInquiryNode = $dataPacket->Inquiry;
        $tableList = Array("accountbalance", "loanbalance");

        foreach ($tableList as $tableName) {
          $tableDef = _GetPacketColumnList($pHbEnv, $tableName);
          // ** Search for the expected <node> in the packet
          $tblPktData = $pktInquiryNode->{HCU_array_key_value('node', $tableDef)};

          $convResp = _ConvertPacketLineToArray($pHbEnv, $pConnSet, $tableName, $tblPktData);

          if ($convResp['code'] == '000') {
            if (count($convResp['data']) > 0) {
              $packetData[$tableName] = $convResp['data'];
            }
          }
        }
        $retVal['data'] = $xmlParse['data'];
        $retVal['data']['packet-data'] = $packetData;

        break;
      case '100':
        _ApplPrintLogger($pHbEnv, $pConnSet, "\n* STATCODE 100 *\n");
        $retVal['data'] = $xmlParse['data'];
        break;

      /**
       * ERROR CASES
       *
       **/
      case '002':
        /* ** INVALID PASSWORD ** */
        _ApplPrintLogger($pHbEnv, $pConnSet, "\n* STATCODE 002 *\n");
        $retVal['data'] = $xmlParse['data'];
        $retVal['code'] = '002';
        $retVal['error'] = 'Invalid Password';
        break;
      case '003':
        /* ** CLOSED ACCOUNT ** */
        _ApplPrintLogger($pHbEnv, $pConnSet, "\n* STATCODE 003 *\n");
        $retVal['data'] = $xmlParse['data'];
        $retVal['code'] = '003';
        $retVal['error'] = 'Closed Account';
        break;
      case '001':
        /* ** INVALID ACCOUNT NUMBER ** */
        _ApplPrintLogger($pHbEnv, $pConnSet, "\n* STATCODE 001 *\n");
        $retVal['data'] = $xmlParse['data'];
        $retVal['code'] = '001';
        $retVal['error'] = 'Invalid Account Number';
        break;
      case '999':
        /* ** CORE RETURN ERROR ** */
        _ApplPrintLogger($pHbEnv, $pConnSet, "\n* STATCODE 999 *\n");

        $retVal['code'] = '999';
        $retVal['error'] = $xmlParse['data']['packet-status']['pktStatDesc'];
        break;
      case '200':
      case '201':
      case '202':
      default:
        _ApplPrintLogger($pHbEnv, $pConnSet, "\n* DEPRECATED STATCODE *\n");
        /* ** DEPRECATED ** */
        /* ** UNKNOWN STATUS CODE ** */
        throw new Exception ('Unexpected Result');
        break;
   }
  } catch (Exception $e) {
    _ApplPrintLogger($pHbEnv, $pConnSet, "\n_RetrieveMemberInquiry Catch Error ({$e->getCode()}) :: {$e->getMessage()}");
    $retVal['code'] = '999';
    $retVal['error'] = "Unable to retrieve data";
    $cucorereqAfter["errors"][] = $e->getMessage();
  }

  _UpdateRequestStatus($pHbEnv, $pConnSet, $cucorereqAfter, $packetsize, $origPktStatCode, $origPktStatDesc, $origPktStatExtra);
  return $retVal;
}

/**
 *
 *  Return the CURL default options
 *
 *  tested mws 3/31/17
 *
 */
function _ReturnCurlDefaults() {
  $retVal = Array("code" => '000', "data" => Array());

  try {


  /*  Some possible options are
   *
   *  CURLOPT_SSLVERSION
   *        CURL_SSLVERSION_DEFAULT (0),
   *        CURL_SSLVERSION_TLSv1 (1),
   *        CURL_SSLVERSION_SSLv2 (2),
   *        CURL_SSLVERSION_SSLv3 (3),
   *        CURL_SSLVERSION_TLSv1_0 (4),
   *        CURL_SSLVERSION_TLSv1_1 (5) or
   *        CURL_SSLVERSION_TLSv1_2 (6).
   *
   *
   */

  $retVal = Array(
                  CURLOPT_RETURNTRANSFER => 1,        // The returned content will be returned by curl_exec, otherwise it goes to STDOUT
                  CURLOPT_SSL_VERIFYHOST => 0,        // Do NOT verify the Hostname..  Appliance ssl certs hostname will not match
                  CURLOPT_SSL_VERIFYPEER => false,    // This will allow self signed certficates
                  CURLOPT_CONNECTTIMEOUT => 5,        // Connection Timeout set to 5
                  CURLOPT_TIMEOUT        => 180       // Max number of seconds to allow curl func to execute
                  );

  } catch (Exception $e) {
    // * ON ERROR -- RETURN EMPTY ARRAY
    $retVal = Array();
  }

  return $retVal;
}



/**
 *  Get the HomeCU Appliance Settings
 *
 *  This will return the settings needed to create a packet and to parse the data
 *
 */

/**
 *  Get the connection settings for the credit union specified
 *
 *  @param array  $pHbEnv -- This is the current HB_ENV array.  values needed are
 *                          dbh - database handle
 *                          Cu  - Credit union code
 *
 *  @return array   {code, data}
 *                    data => array (
 *                                    'liveserver'
 *                                    'liveport'
 *                                    'livewait'
 *                                    'retrylimit'
 *                                    'gracelimit'
 *                                    'flagset'
 *                                    'flagset2'
 *                                    'flagset3'
 *                                    'offlinestat'
 *                                    'offlineblurb'
 *
 *  mws tested 3/31/2017
 *            ** Fail if no dbh
 *            ** Fail if no record
 *            ** Fail if no cu passed
 */
function _ReturnCUSettings ($pHbEnv) {

  $retVal = array("code"=>"000", "data"=>Array());

  $lDbh = HCU_array_key_value('dbh', $pHbEnv);
  try {

    /* Verify CU Set */
    $lCu = HCU_array_key_value('Cu', $pHbEnv);
    if ($lCu == '') {
      throw new Exception ('Credit Union Not Set');
    }
    if (db_connection_status($lDbh) === PGSQL_CONNECTION_OK) {
      $sql = "SELECT liveserver, liveport, livewait, retrylimit,
                gracelimit, flagset, flagset2, flagset3, histdays,
                offlinestat, offlineblurb, ahdropdays, lhdropdays
              FROM cuadmin
              WHERE cu = '" . prep_save($lCu, 10) . "'; ";
      $settingsRs = db_query($sql, $lDbh);
      if ($settingsRs && db_num_rows($settingsRs) > 0) {
        $settingsRow = db_fetch_assoc($settingsRs);

        /*
         * * SET MINIMUMS *
         */
        $settingsRow['retrylimit'] = (intval($settingsRow['retrylimit']) <= 0 ? 5 : $settingsRow['retrylimit']);
        $settingsRow['gracelimit'] = (intval($settingsRow['gracelimit']) <= 0 ? 5 : $settingsRow['gracelimit']);
        $settingsRow['livewait']   = (intval($settingsRow['livewait']) <= 0   ? 300 : $settingsRow['livewait']);
        $settingsRow['histdays']   = (intval($settingsRow['histdays']) <= 0   ? 33 : $settingsRow['histdays']);

        $debugMode = false;

        if (HCU_array_key_exists("SYSENV", $pHbEnv)) {
          $debugMode = HCU_array_key_value("devmode", $pHbEnv['SYSENV']);
        }
        $settingsRow['debugMode']  = $debugMode;


        $retVal['data'] = $settingsRow;


      } else {
        throw new Exception ('Database Request Error');
      }

    } else {
      throw new Exception ('Database Not Connected');
    }
  } catch (Exception $e ) {
    $retVal['code'] = '999';
    $retVal['error'] = Array($e->getMessage());
  }

  return $retVal;

}

/**
 *  Get the cutoff date for the packet
 *  As of 4/6/17  this will return
 *                  20060101 for fetching data for a new member
 *                  20000101 for fetching data normally
 *  @param array $pCuSet - Credit Union Settings
 *                      uses:
 *                      ahdropdays - Account History Drop days
 *                      lhdropdays - Loan History drop days
 *                      livewait   - The wait time for fetching a packet from the core
 *                      histdays - settings for history days to fetch for a packet
 *  @param array $pPktStamps - This is an array for the packet stamp information
 *                    {laststamp} - This is the last packet stamp for the data
 *                    {lastattempt} - this is the last attempt we tried to make to the core
 *  @param string - $pPktType - This is the packet type One of "PACKET_REQUEST" Constants
 *
 *  @return string
 *
 */
function _ReturnCutoffDate($pCuSet, $pPktStamps, $pPktType) {
  $cuAcctDropDays = HCU_array_key_value('ahdropdays', $pCuSet);
  $cuLoanDropDays = HCU_array_key_value('lhdropdays', $pCuSet);
  $cuPktHistDays  = intval(HCU_array_key_value('histdays', $pCuSet));
  $cuWaitSeconds  = intval(HCU_array_key_value('livewait', $pCuSet));

  /*
   *  Determine the DEFAULT MAX number of days for retrieving data -- 4/7/17 -- used later when we get granular requests
   *  Odyssey -- use the Max of accounthistory / loanhistory drop days.
   *          -- If both are 0 then use 366 -- going back too far can take an exceptional amount of time
   *          -- These fields can also accept the value 'HOLD' as of this coding 4/4/17.  No Cu's make use
   *          -- of this option
   */
  $cutoffHistDays = max(($cuAcctDropDays == 'HOLD' ? 0 : $cuAcctDropDays), ($cuLoanDropDays == 'HOLD' ? 0 : $cuLoanDropDays), PACKET_DEFAULT_CUTOFF_DAYS);
  // Epoch in seconds - (days * seconds in day)
  $cutoffHist = date('Ymd', date('U') - ($cutoffHistDays * PACKET_SECONDS_DAY));
  /*
   * SET THE RETURN DEFAULT PACKET DAYS -- DEPENDS on pPktType
   *
   * For PACKET_REQUEST_INQUIRY - This will be 20000101
   * For PACKET_REQUEST_VERIFY_PIN - This will be 20060101
   * For Others -- ONLY go back the max number of days for History Drop Off
   *
   */
  $retCutoffDate = ($pPktType == PACKET_REQUEST_VERIFY_PIN ? PACKET_DEFAULT_NEW_CUTOFF : ($pPktType == PACKET_REQUEST_INQUIRY ? PACKET_DEFAULT_INQ_CUTOFF : $cutoffHist));
  $lastPacketStamp = intval(HCU_array_key_value('laststamp', $pPktStamps));
  $lastPacketAttempt = intval(HCU_array_key_value('lastattempt', $pPktStamps));
    /*
     * if the last packet is newer than Default Cutoff data and history days is set
     * calculate a newer cutoff to reduce the packet size
     */
    if ($lastPacketStamp > date('U', strtotime($retCutoffDate)) && $cuPktHistDays > 0 ) {

       /*
      * If the last packet was fairly recent, only fetch 7 days (PACKET_SECONDS_DAY)
        * "recent" defined as 3 times the packet "livewait" setting
        */

       $calcMinTime = time() - (3 * $cuWaitSeconds);
       if ($lastPacketStamp > $calcMinTime) {
          $retCutoffDate = date("Ymd", time() - (PACKET_SECONDS_DAY * PACKET_MIN_FETCH_DAYS));
       } else {
          $retCutoffDate = date("Ymd",$lastPacketStamp - (PACKET_SECONDS_DAY * $cuPktHistDays));
       }
    }

  return $retCutoffDate;
}

/**
 *  Function to print information to the logger if debugMode is enabled
 *
 *  @param array $pHbEnv -- This is the current HB_ENV settings
 *                        [SYSENV][logger]
 *  @param array $pConnSet -- This is the current connection settings
 *                        [debugMode]
 *  @param string $pText -- The value to print to the logger screen
 *
 *  @return null
 */
function _ApplPrintLogger($pHbEnv, $pConnSet, $pText, $error=False) {

    // error messages that needs to be logged to Kibana
    if ($error) {
        if (HCU_array_key_value('logger', $pHbEnv['SYSENV'])) {
            $logger = HCU_array_key_value('logger', $pHbEnv['SYSENV']);
            $logger->error($pText);
        }
    } else { // only debugging messages
        //Remove any new lines from the text
        $pText = "<appl-logger><line>" . str_replace("\n" , " </line><line> ", $pText) . "</line></appl-logger>";
        if (HCU_array_key_value('debugMode', $pConnSet)) {
            if (HCU_array_key_value('logger', $pHbEnv['SYSENV'])) {
                // ** Print information to the logger -- info
                $logger = HCU_array_key_value('logger', $pHbEnv['SYSENV']);
                $logger->debug($pText);
            }
        }
    }
}

/**
 *  Function to determine if we should check out-of-sync for packet
 *     This will check the status code for the particular request type
 *     sync member will only be done for successful status codes
 *  It's possible some types may not do this
 *
 *  @param integer $pPacketType -- One of the PACKET_REQUEST_{CONSTANTS}
 *  @param string  $pPacketStatusCode -- The status code returned from the core
 *
 *  @return boolean {true, false}
 *
 */
function _CheckSyncMember($pPacketType, $pPacketStatusCode) {
  $retVal = false;

  switch ($pPacketType) {
    case PACKET_REQUEST_VERIFY_PIN:
    case PACKET_REQUEST_INQUIRY:
    case PACKET_REQUEST_BAL:
    case PACKET_REQUEST_HIS:
    case PACKET_REQUEST_XAC:
    case PACKET_REQUEST_TRN:
    case PACKET_REQUEST_MIR:
      if (in_array($pPacketStatusCode, array('101'))) {
        $retVal = true;
      }
      break;
  }

  return $retVal;
}

/**
 *  Function to return the name of the primary node that is determined by the request
 *
 *  @param integer $pPacketType -- One of the PACKET_REQUEST_{CONSTANTS}
 *
 *  @return boolean {true, false}
 */
function _GetRequestNodeName($pPacketType) {
  $retVal = '';

  switch ($pPacketType) {
    case PACKET_REQUEST_VERIFY_PIN:
    case PACKET_REQUEST_INQUIRY:
      $retVal = "Inquiry";
      break;
    case PACKET_REQUEST_BAL:
    case PACKET_REQUEST_HIS:
      break;
    case PACKET_REQUEST_XAC:
      $retVal = "CrossAccount";
      break;
    case PACKET_REQUEST_TRN:
    case PACKET_REQUEST_MIR:
      $retVal = "MemberInfo";
      break;
    case PACKET_REQUEST_ES:
      $retVal = "EStatement";
      break;
    case PACKET_REQUEST_ES_TOC:
      $retVal = "EStatementTOC";
      break;
  }

  return $retVal;
}


/**
 *  Return the deposit / loan balance array templates.
 *    These templates are used for returning columns for VerifyMemberPin and FindMemberAccounts
 *
 *  @return array
 *
 */
function GetBalanceTemplates() {
  return Array(
              "deposit" => Array(
                "inquiry-key" => "accountbalance",
                "field-list" => Array(
                  "accountnumber",
                  "accounttype",
                  "certnumber",
                  "deposittype",
                  "description",
                  "may_deposit",
                  "may_withdraw",
                  "available"
                )
              ),
              "loan" => Array(
                "inquiry-key" => "loanbalance",
                "field-list" => Array(
                  "accountnumber",
                  "loannumber",
                  "description",
                  "may_payment",
                  "may_addon"
                )
              )
  );
}