mercury-web/src/features/accounting/suggestCategory.test.ts

import { describe, it, expect } from "vitest";
import { suggestCategory, extractMerchant, looksLikeCardNumber } from "./suggestCategory";
import type { Category } from "@/api/schemas";

function cat(name: string, kind: "income" | "expense" = "expense", depth = 1): Category {
  return { name, kind, depth };
}

const CATEGORIES: Category[] = [
  cat("Food & Drink"),
  cat("Coffee"),
  cat("Transport"),
  cat("Shopping"),
  cat("Bills & Services"),
  cat("Entertainment"),
  cat("Groceries"),
  cat("Insurance"),
  cat("Electronics"),
];

describe("extractMerchant", () => {
  it("pulls the real merchant out of a card string's :MCI: segment", () => {
    expect(extractMerchant("554835******6886:30-07-2026 11:02:10:MCI:ANTHROPIC 1")).toBe("ANTHROPIC");
    expect(extractMerchant("554835******6886:13-08-2026 12:13:52:MCI:WWW HOSTI 5")).toBe("WWW HOSTI");
    expect(extractMerchant("554835******6886:11-08-2026 10:07:35:MCI:TAOBAO CO 4")).toBe("TAOBAO CO");
  });

  it("falls back to the head before the first colon when there's no :MCI: segment", () => {
    expect(extractMerchant("ЛИЗИНГ ХХК")).toBe("ЛИЗИНГ ХХК");
    expect(extractMerchant("1234******5678")).toBe("1234******5678");
  });
});

describe("suggestCategory — real card charges (:MCI: merchant extraction)", () => {
  it("suggests Bills & Services for ANTHROPIC (no Software/Subscriptions category present)", () => {
    expect(suggestCategory("554835******6886:30-07-2026 11:02:10:MCI:ANTHROPIC 1", CATEGORIES)).toBe(
      "Bills & Services",
    );
  });

  it("prefers Software over Bills & Services when the category exists", () => {
    const withSoftware = [...CATEGORIES, cat("Software")];
    expect(suggestCategory("554835******6886:30-07-2026 11:02:10:MCI:ANTHROPIC 1", withSoftware)).toBe("Software");
  });

  it("suggests Bills & Services for a hosting merchant (WWW HOSTI)", () => {
    expect(suggestCategory("554835******6886:13-08-2026 12:13:52:MCI:WWW HOSTI 5", CATEGORIES)).toBe(
      "Bills & Services",
    );
  });

  it("suggests Shopping for TAOBAO", () => {
    expect(suggestCategory("554835******6886:11-08-2026 10:07:35:MCI:TAOBAO CO 4", CATEGORIES)).toBe("Shopping");
  });
});

describe("suggestCategory — local merchants", () => {
  it("matches ТОКИ (non-bank lender) to Loan", () => {
    const withLoan = [...CATEGORIES, cat("Loan")];
    expect(suggestCategory("ТОКИ ББСБ ХХК", withLoan)).toBe("Loan");
  });

  it("falls back to Bills & Services when Loan doesn't exist", () => {
    expect(suggestCategory("ЛИЗИНГ ХХК", CATEGORIES)).toBe("Bills & Services");
  });

  it("matches the Cyrillic ЗЭЭЛ keyword (word-boundary-free, Cyrillic-safe)", () => {
    const withLoan = [...CATEGORIES, cat("Loan")];
    expect(suggestCategory("ХААН ЗЭЭЛ ТӨЛБӨР", withLoan)).toBe("Loan");
  });

  it("matches TUSHIG to Groceries", () => {
    expect(suggestCategory("TUSHIG SUPERMARKET", CATEGORIES)).toBe("Groceries");
  });

  it("matches other grocery keywords", () => {
    expect(suggestCategory("NOMIN SUPERMARKET", CATEGORIES)).toBe("Groceries");
    expect(suggestCategory("CU-24 CONVENIENCE", CATEGORIES)).toBe("Groceries");
    expect(suggestCategory("ХҮНСНИЙ ДЭЛГҮҮР", CATEGORIES)).toBe("Groceries");
  });

  it("matches insurance keywords", () => {
    expect(suggestCategory("MONGOL ДААТГАЛ LLC", CATEGORIES)).toBe("Insurance");
    expect(suggestCategory("SOME INSURANCE CO", CATEGORIES)).toBe("Insurance");
  });

  it("matches electronics retailers", () => {
    expect(suggestCategory("MAGIC TECH STORE", CATEGORIES)).toBe("Electronics");
    expect(suggestCategory("ITOPIA MALL", CATEGORIES)).toBe("Electronics");
  });

  it("matches mobile carriers to Bills & Services", () => {
    expect(suggestCategory("MOBICOM PAYMENT", CATEGORIES)).toBe("Bills & Services");
    expect(suggestCategory("UNITEL TOP UP", CATEGORIES)).toBe("Bills & Services");
  });

  it("matches apparel/shopping brands", () => {
    expect(suggestCategory("CONVERSE STORE", CATEGORIES)).toBe("Shopping");
    expect(suggestCategory("SANT ASAR TRADE", CATEGORIES)).toBe("Shopping");
  });

  it("matches gaming merchants to Entertainment", () => {
    expect(suggestCategory("STEAM GAMES", CATEGORIES)).toBe("Entertainment");
    expect(suggestCategory("PGAMING WALLET", CATEGORIES)).toBe("Entertainment");
  });

  it("matches CAFE/КАФЕ to Coffee, not Food & Drink", () => {
    expect(suggestCategory("КАФЕ МОДЕРН", CATEGORIES)).toBe("Coffee");
    expect(suggestCategory("TOM CAFE LLC", CATEGORIES)).toBe("Coffee");
    expect(suggestCategory("КОФЕ ЦЭГ", CATEGORIES)).toBe("Coffee");
    expect(suggestCategory("STARBUCKS COFFEE", CATEGORIES)).toBe("Coffee");
  });

  it("matches restaurant/food keywords (no CAFE overlap) to Food & Drink", () => {
    expect(suggestCategory("KFC ULAANBAATAR", CATEGORIES)).toBe("Food & Drink");
    expect(suggestCategory("ХООЛНЫ ГАЗАР", CATEGORIES)).toBe("Food & Drink");
    expect(suggestCategory("BURGER KING", CATEGORIES)).toBe("Food & Drink");
  });

  it("matches transport/fuel keywords", () => {
    expect(suggestCategory("UBCAB TRIP", CATEGORIES)).toBe("Transport");
    expect(suggestCategory("ШАТАХУУНЫ СТАНЦ", CATEGORIES)).toBe("Transport");
  });
});

describe("suggestCategory — no signal", () => {
  it("returns null for a masked card number with no :MCI: merchant segment", () => {
    expect(suggestCategory("554835******6886:13-08-2026 09:41:22", CATEGORIES)).toBeNull();
    expect(suggestCategory("1234******5678", CATEGORIES)).toBeNull();
  });

  it("returns null when nothing matches", () => {
    expect(suggestCategory("TLJ CENTR", CATEGORIES)).toBeNull();
    expect(suggestCategory("TSENGELDE", CATEGORIES)).toBeNull();
  });

  it("returns null when every matching rule's candidates are all absent", () => {
    // The phone-carrier rule has a single candidate ("Bills & Services") with
    // no fallback, unlike Loan/Insurance/Groceries/Electronics which fall
    // back to a broader category — removing it leaves nothing to suggest.
    const noBills = CATEGORIES.filter((c) => c.name !== "Bills & Services");
    expect(suggestCategory("MOBICOM PAYMENT", noBills)).toBeNull();
  });

  it("returns null for empty input", () => {
    expect(suggestCategory("", CATEGORIES)).toBeNull();
  });
});

describe("looksLikeCardNumber", () => {
  it("recognizes a masked card head as a card number", () => {
    expect(looksLikeCardNumber("554835******6886")).toBe(true);
  });

  it("does not flag a normal merchant name", () => {
    expect(looksLikeCardNumber("ANTHROPIC")).toBe(false);
    expect(looksLikeCardNumber("ТОКИ ББСБ ХХК")).toBe(false);
  });
});