#!/usr/bin/env python3 """Build privacy-safe local Qwen training rows from bank statements. The generated dataset stays under ``autotaxfiler/data`` (gitignored). Source paths, taxpayer identities, and transaction reference IDs are not persisted in new rows or passed to the fine-tuning formatter. """ from __future__ import annotations import argparse import hashlib import json import re import sys import tempfile from collections import Counter, defaultdict from dataclasses import asdict, dataclass, field from pathlib import Path from typing import Callable, Iterable PACKAGE_ROOT = Path(__file__).resolve().parent.parent if str(PACKAGE_ROOT) not in sys.path: sys.path.insert(0, str(PACKAGE_ROOT)) try: from .bank_classifier import RawTransaction, _parse_statement from .company_inference import infer_company_name from .pii_shield import mask_pii from .training_schema import NON_INCOME_CATEGORIES, SUPPORTED_CATEGORIES except ImportError: from pipeline.bank_classifier import RawTransaction, _parse_statement from pipeline.company_inference import infer_company_name from pipeline.pii_shield import mask_pii from pipeline.training_schema import NON_INCOME_CATEGORIES, SUPPORTED_CATEGORIES DEFAULT_DATA_ROOT = PACKAGE_ROOT.parent / "data" DEFAULT_OUTPUT = PACKAGE_ROOT / "data" / "training_data.json" _STATEMENT_SUFFIXES = {".csv", ".pdf", ".xls", ".xlsx"} _PROVISIONAL_CATEGORIES = { "expense_uncategorized", "transfer", "unclassified", "unclassified_credit", } _PERSONAL_CATEGORIES = { "family", "friends", "personal_transfer", "rental", "staff_salary", "transfer" } _LONG_REFERENCE_TOKEN = re.compile( r"(?"), (re.compile(r"(?<=/)\d{4,}(?=/|$)"), ""), (re.compile(r"\bWAR_NO:\s*[A-Z0-9-]{4,}", re.IGNORECASE), "WAR_NO: "), ) _VPA = re.compile(r"([A-Z0-9._-]{2,})@([A-Z]{2,20})", re.IGNORECASE) _SAFE_PERSONAL_SEGMENT_WORDS = { "ACH", "ATM", "BANK", "BILL", "BOOK", "BROADBAND", "CAB", "CAFE", "CAPITAL", "DEPOSIT", "FUND", "INCOME", "MANDATE", "MOBILE", "MUTUAL", "NACH", "PETROL", "PREMIUM", "PUMP", "RECHARGE", "REFUND", "SIP", "SUBSCRIPTION", "CARD", "CASH", "CHARITY", "COLLEGE", "CONSULTING", "CREDIT", "DEBIT", "DIVIDEND", "DONATION", "EDUCATION", "ELECTRICITY", "EMI", "ENTERTAINMENT", "FEE", "FITNESS", "FLIGHT", "FOOD", "GAS", "GROCERY", "HDFC", "HOSPITAL", "HOTEL", "ICICI", "IDFC", "IMPS", "INSURANCE", "INTEREST", "INVOICE", "KOTAK", "LOAN", "MEDICAL", "NEFT", "PAYMENT", "PHARMACY", "POS", "RENT", "RESTAURANT", "REVERSAL", "RTGS", "SALARY", "SBI", "SCHOOL", "SHOPPING", "STORE", "TAX", "TRADING", "TRANSFER", "TRAVEL", "TUITION", "UPI", "VEHICLE", "WATER", "WDL", } @dataclass class AugmentationStats: discovered_files: int = 0 parsed_files: int = 0 failed_files: int = 0 parsed_transactions: int = 0 existing_matches: int = 0 low_confidence: int = 0 provisional_labels: int = 0 unsupported_categories: int = 0 duplicate_instances: int = 0 conflicting_keys: int = 0 added_rows: int = 0 company_labels: int = 0 failure_types: dict[str, int] = field(default_factory=dict) def normalize_description(description: str) -> str: """Return a stable uppercase transaction description.""" return re.sub(r"\s+", " ", str(description)).strip().upper() def sanitize_training_description( description: str, *, category: str, company_name: str | None = None, ) -> str: """Remove identifying/reference data while preserving merchant evidence.""" sanitized = normalize_description(str(description)) for pattern, replacement in _CONTEXT_REFERENCE_PATTERNS: sanitized = pattern.sub(replacement, sanitized) sanitized = _LONG_REFERENCE_TOKEN.sub("", sanitized) sanitized = _LONG_DIGIT_RUN.sub("", sanitized) sanitized = normalize_description(mask_pii(sanitized)) company_tokens = re.findall(r"[A-Z]+", normalize_description(company_name or "")) company_words = set(company_tokens) company_label = " ".join(company_tokens) company_identity = "".join(sorted(company_words)) allowed_words = _SAFE_PERSONAL_SEGMENT_WORDS | company_words segments = [] for segment in sanitized.split("/"): segment = segment.strip() if not segment: segments.append(segment) continue canonical_vpa = _VPA.fullmatch(segment) if ( canonical_vpa and company_identity and canonical_vpa.group(1).upper() == company_identity ): segments.append(segment) continue compact_segment = re.sub(r"[^A-Z]", "", segment) if company_words and any(word in compact_segment for word in company_words): purpose_words = [ word for word in re.findall(r"[A-Z]+", segment) if word in _SAFE_PERSONAL_SEGMENT_WORDS and word not in company_words ] segments.append(" ".join([company_label, *purpose_words])) continue placeholder_vpa = re.fullmatch(r"@([A-Z]{2,20})", segment) if placeholder_vpa: segments.append(segment) continue vpa = _VPA.search(segment) if vpa: identity = company_identity or "" segments.append(f"{identity}@{vpa.group(2).upper()}") continue visible_text = re.sub(r"<[^>]+>", " ", segment) words = set(re.findall(r"[A-Z]+", visible_text)) if not words: segments.append("" if "" in segment else segment) else: safe_words = [ word for word in re.findall(r"[A-Z]+", visible_text) if word in allowed_words ] segments.append(" ".join(safe_words) if safe_words else "") return "/".join(segments) class UnsupportedStatementError(ValueError): """Raised when a discovered statement format has no safe parser.""" _JASPER_EXCEL_HEADERS = { "s no.", "value date", "transaction date", "cheque number", "transaction remarks", "withdrawal amount(inr)", "deposit amount(inr)", "balance(inr)", } def _has_supported_excel_schema(path: Path) -> bool: import pandas as pd dataframe = pd.read_excel(path, header=None) for row_index in range(min(25, len(dataframe))): values = { str(value).strip().lower() for value in dataframe.iloc[row_index].tolist() if pd.notna(value) } if _JASPER_EXCEL_HEADERS.issubset(values): return True return False def parse_training_statement(path_string: str) -> list[RawTransaction]: """Parse only statement layouts whose debit/credit semantics are known.""" path = Path(path_string) # PDF parsing is supported via pymupdf in bank_classifier._parse_pdf # Allow PDFs through — the existing _parse_statement handles them if path.suffix.lower() in {".xls", ".xlsx"} and not _has_supported_excel_schema(path): raise UnsupportedStatementError("unsupported Excel statement schema") return _parse_statement(str(path)) def discover_statement_files(data_root: Path) -> list[Path]: """Find unique likely bank statements without exposing their paths.""" candidates = [] if not data_root.exists(): return candidates for path in data_root.rglob("*"): if not path.is_file() or path.suffix.lower() not in _STATEMENT_SUFFIXES: continue lowered = str(path).lower() if not any(token in lowered for token in ("bank", "statement", "passbook", "pass book", "account")): continue candidates.append(path) unique: dict[str, Path] = {} for path in candidates: digest = hashlib.sha256(path.read_bytes()).hexdigest() unique.setdefault(digest, path) return [unique[digest] for digest in sorted(unique)] def _default_classifier(): from pipeline.classifier import ClassificationPipeline from pipeline.classifier.stages import ( CatchAllStage, DescriptionRuleStage, MerchantDBStage, RegexRuleStage, UPIHeuristicStage, ) return ClassificationPipeline([ MerchantDBStage(), UPIHeuristicStage(), DescriptionRuleStage(), RegexRuleStage(), CatchAllStage(), ]) def _existing_key(row: dict) -> tuple[str, str]: company_name = row.get("company_name") or row.get("merchant") or row.get("counterparty") return ( sanitize_training_description( row.get("description", ""), category=row.get("category", "unclassified"), company_name=company_name, ), row.get("type", ""), ) def augment_rows( existing_rows: list[dict], statement_paths: Iterable[str | Path], *, parse_statement: Callable[[str], list[RawTransaction]] = parse_training_statement, classifier=None, min_confidence: float = 0.85, ) -> tuple[list[dict], AugmentationStats]: """Extract unique, sanitized, high-confidence labels not already present.""" classifier = classifier or _default_classifier() paths = list(statement_paths) stats = AugmentationStats(discovered_files=len(paths)) existing_keys = { key for row in existing_rows if ( "" not in (key := _existing_key(row))[0] or row.get("path") == "statement_augmentation" ) } existing_raw_keys = { (normalize_description(row.get("description", "")), row.get("type", "")) for row in existing_rows } candidates: dict[tuple[str, str], list[dict]] = defaultdict(list) failures: Counter[str] = Counter() for path in paths: try: transactions = parse_statement(str(path)) except Exception as error: stats.failed_files += 1 failures[type(error).__name__] += 1 continue stats.parsed_files += 1 stats.parsed_transactions += len(transactions) for transaction in transactions: raw_key = (normalize_description(transaction.description), transaction.type) if raw_key in existing_raw_keys: stats.existing_matches += 1 continue result = classifier.classify(transaction, learn=False) if result is None or result.confidence < min_confidence: stats.low_confidence += 1 continue if result.category not in SUPPORTED_CATEGORIES: stats.unsupported_categories += 1 continue if result.category in _PROVISIONAL_CATEGORIES: stats.provisional_labels += 1 continue company_name = infer_company_name( transaction.description, category=result.category, explicit_name=result.counterparty, ) description = sanitize_training_description( transaction.description, category=result.category, company_name=company_name, ) key = (description, transaction.type) if not description: continue if key in existing_keys: stats.existing_matches += 1 continue candidates[key].append({ "description": description, "category": result.category, "type": transaction.type, "is_income": ( False if result.category in NON_INCOME_CATEGORIES else bool(result.is_income) ), "company_name": company_name, "confidence": round(float(result.confidence), 4), "path": "statement_augmentation", }) added = [] for key in sorted(candidates): rows = candidates[key] labels = {(row["category"], row["type"]) for row in rows} if len(labels) != 1: stats.conflicting_keys += 1 continue stats.duplicate_instances += max(0, len(rows) - 1) added.append(max(rows, key=lambda row: row["confidence"])) stats.failure_types = dict(sorted(failures.items())) stats.added_rows = len(added) stats.company_labels = sum(row["company_name"] is not None for row in added) return added, stats def _atomic_write_json(path: Path, data: list[dict]) -> None: path.parent.mkdir(parents=True, exist_ok=True) with tempfile.NamedTemporaryFile( "w", encoding="utf-8", dir=path.parent, delete=False ) as handle: json.dump(data, handle, indent=2, ensure_ascii=False) handle.write("\n") temporary = Path(handle.name) temporary.replace(path) def main(*, data_root: Path, output: Path, dry_run: bool = False) -> AugmentationStats: existing_rows = json.loads(output.read_text(encoding="utf-8")) if output.exists() else [] statements = discover_statement_files(data_root) added_rows, stats = augment_rows(existing_rows, statements) if not dry_run: _atomic_write_json(output, [*existing_rows, *added_rows]) print(json.dumps(asdict(stats), sort_keys=True)) return stats if __name__ == "__main__": parser = argparse.ArgumentParser() parser.add_argument("--data-root", type=Path, default=DEFAULT_DATA_ROOT) parser.add_argument("--output", type=Path, default=DEFAULT_OUTPUT) parser.add_argument("--dry-run", action="store_true") arguments = parser.parse_args() main(data_root=arguments.data_root, output=arguments.output, dry_run=arguments.dry_run)