[ANCHOR-353] SEP-6: Verify SEP-12 status before deposit/withdraw proceeds

api-schema/src/main/java/org/stellar/anchor/api/callback/SendEventRequestPayload.java

@@ -4,6 +4,7 @@
 import lombok.Data;
 import lombok.NoArgsConstructor;
 import org.stellar.anchor.api.event.AnchorEvent;
+import org.stellar.anchor.api.platform.CustomerUpdatedResponse;
 import org.stellar.anchor.api.platform.GetQuoteResponse;
 import org.stellar.anchor.api.platform.GetTransactionResponse;
 
@@ -13,6 +14,7 @@
 public class SendEventRequestPayload {
   GetTransactionResponse transaction;
   GetQuoteResponse quote;
+  CustomerUpdatedResponse customer;
 
   /**
    * Creates a SendEventRequestPayload from an AnchorEvent.
@@ -23,6 +25,8 @@ public class SendEventRequestPayload {
   public static SendEventRequestPayload from(AnchorEvent event) {
     SendEventRequestPayload payload = new SendEventRequestPayload();
     switch (event.getType()) {
+      case CUSTOMER_UPDATED:
+        payload.setCustomer(event.getCustomer());
       case QUOTE_CREATED:
         payload.setQuote(event.getQuote());
       case TRANSACTION_CREATED:

api-schema/src/main/java/org/stellar/anchor/api/exception/SepCustomerInfoNeededException.java

@@ -0,0 +1,12 @@
+package org.stellar.anchor.api.exception;
+
+import java.util.List;
+import lombok.Getter;
+import lombok.RequiredArgsConstructor;
+
+/** Thrown when a customer's info is needed to complete a request. */
+@RequiredArgsConstructor
+@Getter
+public class SepCustomerInfoNeededException extends AnchorException {
+  private final List<String> fields;
+}

api-schema/src/main/java/org/stellar/anchor/api/sep/CustomerInfoNeededResponse.java

@@ -0,0 +1,12 @@
+package org.stellar.anchor.api.sep;
+
+import java.util.List;
+import lombok.Data;
+import lombok.RequiredArgsConstructor;
+
+@RequiredArgsConstructor
+@Data
+public class CustomerInfoNeededResponse {
+  private final String type = "non_interactive_customer_info_needed";
+  private final List<String> fields;
+}

api-schema/src/main/java/org/stellar/anchor/api/sep/sep12/Sep12Status.java

@@ -13,10 +13,7 @@ public enum Sep12Status {
   PROCESSING("PROCESSING"),
 
   @SerializedName("REJECTED")
-  REJECTED("REJECTED"),
-
-  @SerializedName("VERIFICATION_REQUIRED")
-  VERIFICATION_REQUIRED("VERIFICATION_REQUIRED");
+  REJECTED("REJECTED");
 
   private final String name;
 

api-schema/src/main/java/org/stellar/anchor/api/sep/sep6/StartWithdrawExchangeRequest.java

@@ -33,6 +33,9 @@ public class StartWithdrawExchangeRequest {
   @SerializedName("quote_id")
   String quoteId;
 
+  /** The account to withdraw from. */
+  String account;
+
   /** The amount of the source asset the user would like to withdraw. */
   @NonNull String amount;
 

api-schema/src/main/java/org/stellar/anchor/api/sep/sep6/StartWithdrawRequest.java

@@ -23,6 +23,9 @@ public class StartWithdrawRequest {
   /** Type of withdrawal. */
   String type;
 
+  /** The account to withdraw from. */
+  String account;
+
   /** The amount to withdraw. */
   String amount;
 

core/src/main/java/org/stellar/anchor/sep6/RequestValidator.java

@@ -1,10 +1,14 @@
 package org.stellar.anchor.sep6;
 
 import java.math.BigDecimal;
+import java.util.ArrayList;
 import java.util.List;
 import lombok.NonNull;
 import lombok.RequiredArgsConstructor;
-import org.stellar.anchor.api.exception.SepValidationException;
+import org.stellar.anchor.api.callback.CustomerIntegration;
+import org.stellar.anchor.api.callback.GetCustomerRequest;
+import org.stellar.anchor.api.callback.GetCustomerResponse;
+import org.stellar.anchor.api.exception.*;
 import org.stellar.anchor.api.sep.AssetInfo;
 import org.stellar.anchor.asset.AssetService;
 import org.stellar.sdk.KeyPair;
@@ -13,6 +17,7 @@
 @RequiredArgsConstructor
 public class RequestValidator {
   @NonNull private final AssetService assetService;
+  @NonNull private final CustomerIntegration customerIntegration;
 
   /**
    * Validates that the requested asset is valid and enabled for deposit.
@@ -102,11 +107,33 @@ public void validateTypes(String requestType, String assetCode, List<String> val
    * @param account the account
    * @throws SepValidationException if the account is invalid
    */
-  public void validateAccount(String account) throws SepValidationException {
+  public void validateAccount(String account) throws AnchorException {
     try {
       KeyPair.fromAccountId(account);
     } catch (RuntimeException ex) {
       throw new SepValidationException(String.format("invalid account %s", account));
     }
+
+    GetCustomerRequest request = GetCustomerRequest.builder().account(account).build();
+    GetCustomerResponse response = customerIntegration.getCustomer(request);
+
+    if (response == null || response.getStatus() == null) {
+      throw new ServerErrorException("unable to get required fields for customer") {};
+    }
+
+    switch (response.getStatus()) {
+      case "NEEDS_INFO":
+        throw new SepCustomerInfoNeededException(new ArrayList<>(response.getFields().keySet()));
+      case "PROCESSING":
+        throw new SepNotAuthorizedException("customer is being reviewed by anchor");
+      case "REJECTED":
+        throw new SepNotAuthorizedException("customer rejected by anchor");
+      case "ACCEPTED":
+        // do nothing
+        break;
+      default:
+        throw new ServerErrorException(
+            String.format("unknown customer status: %s", response.getStatus()));
+    }
   }
 }

core/src/main/java/org/stellar/anchor/sep6/Sep6Service.java

@@ -227,6 +227,8 @@ public StartWithdrawResponse withdraw(Sep10Jwt token, StartWithdrawRequest reque
           asset.getWithdraw().getMinAmount(),
           asset.getWithdraw().getMaxAmount());
     }
+    String sourceAccount = request.getAccount() != null ? request.getAccount() : token.getAccount();
+    requestValidator.validateAccount(sourceAccount);
 
     String id = SepHelper.generateSepTransactionId();
 
@@ -245,7 +247,7 @@ public StartWithdrawResponse withdraw(Sep10Jwt token, StartWithdrawRequest reque
             .sep10AccountMemo(token.getAccountMemo())
             .memo(generateMemo(id))
             .memoType(memoTypeAsString(MEMO_HASH))
-            .fromAccount(token.getAccount())
+            .fromAccount(sourceAccount)
             .withdrawAnchorAccount(asset.getDistributionAccount())
             .toAccount(asset.getDistributionAccount())
             .refundMemo(request.getRefundMemo())
@@ -295,6 +297,8 @@ public StartWithdrawResponse withdrawExchange(
         sellAsset.getSignificantDecimals(),
         sellAsset.getWithdraw().getMinAmount(),
         sellAsset.getWithdraw().getMaxAmount());
+    String sourceAccount = request.getAccount() != null ? request.getAccount() : token.getAccount();
+    requestValidator.validateAccount(sourceAccount);
 
     String id = SepHelper.generateSepTransactionId();
 
@@ -330,7 +334,7 @@ public StartWithdrawResponse withdrawExchange(
             .sep10AccountMemo(token.getAccountMemo())
             .memo(generateMemo(id))
             .memoType(memoTypeAsString(MEMO_HASH))
-            .fromAccount(token.getAccount())
+            .fromAccount(sourceAccount)
             .withdrawAnchorAccount(sellAsset.getDistributionAccount())
             .refundMemo(request.getRefundMemo())
             .refundMemoType(request.getRefundMemoType())

core/src/test/kotlin/org/stellar/anchor/sep6/RequestValidatorTest.kt

@@ -1,29 +1,37 @@
 package org.stellar.anchor.sep6
 
-import io.mockk.MockKAnnotations
-import io.mockk.every
+import io.mockk.*
 import io.mockk.impl.annotations.MockK
-import io.mockk.mockk
+import kotlin.test.assertEquals
 import org.junit.jupiter.api.BeforeEach
 import org.junit.jupiter.api.Test
 import org.junit.jupiter.api.assertThrows
 import org.junit.jupiter.params.ParameterizedTest
 import org.junit.jupiter.params.provider.ValueSource
 import org.stellar.anchor.TestConstants.Companion.TEST_ACCOUNT
 import org.stellar.anchor.TestConstants.Companion.TEST_ASSET
+import org.stellar.anchor.api.callback.CustomerIntegration
+import org.stellar.anchor.api.callback.GetCustomerRequest
+import org.stellar.anchor.api.callback.GetCustomerResponse
+import org.stellar.anchor.api.exception.SepCustomerInfoNeededException
+import org.stellar.anchor.api.exception.SepNotAuthorizedException
 import org.stellar.anchor.api.exception.SepValidationException
+import org.stellar.anchor.api.exception.ServerErrorException
 import org.stellar.anchor.api.sep.AssetInfo
+import org.stellar.anchor.api.sep.sep12.Sep12Status
+import org.stellar.anchor.api.shared.CustomerField
 import org.stellar.anchor.asset.AssetService
 
 class RequestValidatorTest {
   @MockK(relaxed = true) lateinit var assetService: AssetService
+  @MockK(relaxed = true) lateinit var customerIntegration: CustomerIntegration
 
   private lateinit var requestValidator: RequestValidator
 
   @BeforeEach
   fun setup() {
     MockKAnnotations.init(this, relaxUnitFun = true)
-    requestValidator = RequestValidator(assetService)
+    requestValidator = RequestValidator(assetService, customerIntegration)
   }
 
   @Test
@@ -140,11 +148,63 @@ class RequestValidatorTest {
 
   @Test
   fun `test validateAccount`() {
+    every {
+      customerIntegration.getCustomer(GetCustomerRequest.builder().account(TEST_ACCOUNT).build())
+    } returns GetCustomerResponse.builder().status(Sep12Status.ACCEPTED.name).build()
     requestValidator.validateAccount(TEST_ACCOUNT)
   }
 
   @Test
   fun `test validateAccount with invalid account`() {
     assertThrows<SepValidationException> { requestValidator.validateAccount("??") }
+
+    verify { customerIntegration wasNot called }
+  }
+
+  @Test
+  fun `test validateAccount customerIntegration failure`() {
+    every {
+      customerIntegration.getCustomer(GetCustomerRequest.builder().account(TEST_ACCOUNT).build())
+    } throws RuntimeException("test")
+    assertThrows<RuntimeException> { requestValidator.validateAccount(TEST_ACCOUNT) }
+  }
+
+  @Test
+  fun `test validateAccount with needs info customer`() {
+    every {
+      customerIntegration.getCustomer(GetCustomerRequest.builder().account(TEST_ACCOUNT).build())
+    } returns
+      GetCustomerResponse.builder()
+        .status(Sep12Status.NEEDS_INFO.name)
+        .fields(mapOf("first_name" to CustomerField.builder().build()))
+        .build()
+    val ex =
+      assertThrows<SepCustomerInfoNeededException> {
+        requestValidator.validateAccount(TEST_ACCOUNT)
+      }
+    assertEquals(listOf("first_name"), ex.fields)
+  }
+
+  @Test
+  fun `test validateAccount with processing customer`() {
+    every {
+      customerIntegration.getCustomer(GetCustomerRequest.builder().account(TEST_ACCOUNT).build())
+    } returns GetCustomerResponse.builder().status(Sep12Status.PROCESSING.name).build()
+    assertThrows<SepNotAuthorizedException> { requestValidator.validateAccount(TEST_ACCOUNT) }
+  }
+
+  @Test
+  fun `test validateAccount with rejected customer`() {
+    every {
+      customerIntegration.getCustomer(GetCustomerRequest.builder().account(TEST_ACCOUNT).build())
+    } returns GetCustomerResponse.builder().status(Sep12Status.REJECTED.name).build()
+    assertThrows<SepNotAuthorizedException> { requestValidator.validateAccount(TEST_ACCOUNT) }
+  }
+
+  @Test
+  fun `test validateAccount with unknown status customer`() {
+    every { customerIntegration.getCustomer(any()) } returns
+      GetCustomerResponse.builder().status("??").build()
+    assertThrows<ServerErrorException> { requestValidator.validateAccount(TEST_ACCOUNT) }
   }
 }