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| 1 | +# bankaccount.py - functions for handling New Zealand bank account numbers |
| 2 | +# coding: utf-8 |
| 3 | +# |
| 4 | +# Copyright (C) 2019 Arthur de Jong |
| 5 | +# |
| 6 | +# This library is free software; you can redistribute it and/or |
| 7 | +# modify it under the terms of the GNU Lesser General Public |
| 8 | +# License as published by the Free Software Foundation; either |
| 9 | +# version 2.1 of the License, or (at your option) any later version. |
| 10 | +# |
| 11 | +# This library is distributed in the hope that it will be useful, |
| 12 | +# but WITHOUT ANY WARRANTY; without even the implied warranty of |
| 13 | +# MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE. See the GNU |
| 14 | +# Lesser General Public License for more details. |
| 15 | +# |
| 16 | +# You should have received a copy of the GNU Lesser General Public |
| 17 | +# License along with this library; if not, write to the Free Software |
| 18 | +# Foundation, Inc., 51 Franklin Street, Fifth Floor, Boston, MA |
| 19 | +# 02110-1301 USA |
| 20 | + |
| 21 | +"""New Zealand bank account number |
| 22 | +
|
| 23 | +The New Zealand bank account numbers consist of 16 digits. The first two |
| 24 | +represent the bank, followed by four for the branch, seven digits for the |
| 25 | +account base number and three for the account type. |
| 26 | +
|
| 27 | +More information: |
| 28 | +
|
| 29 | +* https://en.wikipedia.org/wiki/New_Zealand_bank_account_number |
| 30 | +
|
| 31 | +>>> validate('01-0242-0100194-00') |
| 32 | +'0102420100194000' |
| 33 | +>>> validate('01-0242-0100195-00') # invalid check digits |
| 34 | +Traceback (most recent call last): |
| 35 | + ... |
| 36 | +InvalidChecksum: ... |
| 37 | +>>> validate('01-9999-0100197-00') # invalid branch |
| 38 | +Traceback (most recent call last): |
| 39 | + ... |
| 40 | +InvalidComponent: ... |
| 41 | +>>> format('0102420100194000') |
| 42 | +'01-0242-0100194-000' |
| 43 | +""" |
| 44 | + |
| 45 | +from stdnum.exceptions import * |
| 46 | +from stdnum.util import clean |
| 47 | + |
| 48 | + |
| 49 | +# The following algorithms and weights were taken from: |
| 50 | +# https://www.ird.govt.nz/software-providers/explore-products-contents/reporting/withholding-taxes/rwt-and-nrwt-certificate-filing-options.html#02 |
| 51 | +# with the modification to use max 7 digits for the account base |
| 52 | +# instead of 8 (and leaving out algorithm C). |
| 53 | + |
| 54 | +# The algorithm to choose based on the bank |
| 55 | +_algorithms = { |
| 56 | + '01': 'A', '02': 'A', '03': 'A', '04': 'A', '06': 'A', '08': 'D', |
| 57 | + '09': 'E', '10': 'A', '11': 'A', '12': 'A', '13': 'A', '14': 'A', |
| 58 | + '15': 'A', '16': 'A', '17': 'A', '18': 'A', '19': 'A', '20': 'A', |
| 59 | + '21': 'A', '22': 'A', '23': 'A', '24': 'A', '25': 'F', '26': 'G', |
| 60 | + '27': 'A', '28': 'G', '29': 'G', '30': 'A', '31': 'X', '33': 'F', |
| 61 | + '35': 'A', '38': 'A', |
| 62 | +} |
| 63 | + |
| 64 | +# The different weights for the different checksum algorithms |
| 65 | +_weights = { |
| 66 | + 'A': (0, 0, 6, 3, 7, 9, 0, 10, 5, 8, 4, 2, 1, 0, 0, 0), |
| 67 | + 'B': (0, 0, 0, 0, 0, 0, 0, 10, 5, 8, 4, 2, 1, 0, 0, 0), |
| 68 | + 'D': (0, 0, 0, 0, 0, 0, 7, 6, 5, 4, 3, 2, 1, 0, 0, 0), |
| 69 | + 'E': (0, 0, 0, 0, 0, 0, 0, 0, 0, 5, 4, 3, 2, 0, 0, 1), |
| 70 | + 'F': (0, 0, 0, 0, 0, 0, 1, 7, 3, 1, 7, 3, 1, 0, 0, 0), |
| 71 | + 'G': (0, 0, 0, 0, 0, 0, 1, 3, 7, 1, 3, 7, 1, 3, 7, 1), |
| 72 | + 'X': (0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0), |
| 73 | +} |
| 74 | + |
| 75 | +# The moduli to use per algorithm |
| 76 | +_moduli = { |
| 77 | + 'A': (11, 11), |
| 78 | + 'B': (11, 11), |
| 79 | + 'D': (11, 11), |
| 80 | + 'E': (9, 11), |
| 81 | + 'F': (10, 10), |
| 82 | + 'G': (9, 10), |
| 83 | + 'X': (1, 1), |
A3E2
| 84 | +} |
| 85 | + |
| 86 | + |
| 87 | +def compact(number): |
| 88 | + """Convert the number to the minimal representation. This strips the |
| 89 | + number of any valid separators and removes surrounding whitespace.""" |
| 90 | + number = clean(number).strip().replace(' ', '-').split('-') |
| 91 | + if len(number) == 4: |
| 92 | + # zero pad the different sections if they are found |
| 93 | + lengths = (2, 4, 7, 3) |
| 94 | + return ''.join(n.zfill(l) for n, l in zip(number, lengths)) |
| 95 | + else: |
| 96 | + # otherwise zero pad the account type |
| 97 | + number = ''.join(number) |
| 98 | + return number[:13] + number[13:].zfill(3) |
| 99 | + |
| 100 | + |
| 101 | +def info(number): |
| 102 | + """Return a dictionary of data about the supplied number. This typically |
| 103 | + returns the name of the bank and branch and a BIC if it is valid.""" |
| 104 | + number = compact(number) |
| 105 | + from stdnum import numdb |
| 106 | + info = {} |
| 107 | + for nr, found in numdb.get('nz/banks').info(number): |
| 108 | + info.update(found) |
| 109 | + return info |
| 110 | + |
| 111 | + |
| 112 | +def _calc_checksum(number): |
| 113 | + # pick the algorithm and parameters |
| 114 | + algorithm = _algorithms.get(number[:2], 'X') |
| 115 | + if algorithm == 'A' and number[6:13] >= '0990000': |
| 116 | + algorithm = 'B' |
| 117 | + weights = _weights[algorithm] |
| 118 | + mod1, mod2 = _moduli[algorithm] |
| 119 | + # calculate the checksum |
| 120 | + return sum( |
| 121 | + c % mod1 if c > mod1 else c for c in |
| 122 | + (w * int(n) for w, n in zip(weights, number))) % mod2 |
| 123 | + |
| 124 | + |
| 125 | +def validate(number): |
| 126 | + """Check if the number provided is a valid bank account number.""" |
| 127 | + number = compact(number) |
| 128 | + if not number.isdigit(): |
| 129 | + raise InvalidFormat() |
| 130 | + if len(number) != 16: |
| 131 | + raise InvalidLength() |
| 132 | + if _calc_checksum(number) != 0: |
| 133 | + raise InvalidChecksum() |
| 134 | + i = info(number) |
| 135 | + if 'bank' not in i or 'branch' not in i: |
| 136 | + raise InvalidComponent() |
| 137 | + return number |
| 138 | + |
| 139 | + |
| 140 | +def is_valid(number): |
| 141 | + """Check if the number provided is a valid bank account number.""" |
| 142 | + try: |
| 143 | + return bool(validate(number)) |
| 144 | + except ValidationError: |
| 145 | + return False |
| 146 | + |
| 147 | + |
| 148 | +def format(number): |
| 149 | + """Reformat the number to the standard presentation format.""" |
| 150 | + number = compact(number) |
| 151 | + return '-'.join([ |
| 152 | + number[:2], |
| 153 | + number[2:6], |
| 154 | + number[6:13], |
| 155 | + number[13:]]) |
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