File size: 25,727 Bytes
b26b1fd
 
 
 
 
 
8cceab7
b26b1fd
8cceab7
b26b1fd
2c85aa8
b26b1fd
 
 
 
 
 
 
 
 
 
 
 
 
 
2c85aa8
b26b1fd
 
 
8cceab7
 
b26b1fd
 
2c85aa8
b26b1fd
 
 
8cceab7
 
 
 
 
 
b26b1fd
 
 
 
2c85aa8
 
 
8cceab7
 
 
 
 
 
2c85aa8
8cceab7
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
2c85aa8
 
 
 
 
 
8cceab7
 
b26b1fd
8cceab7
 
 
 
 
b26b1fd
 
8cceab7
b26b1fd
8cceab7
b26b1fd
 
8cceab7
b26b1fd
8cceab7
b26b1fd
 
 
 
8cceab7
 
b26b1fd
 
8cceab7
b26b1fd
 
 
 
8cceab7
 
2c85aa8
 
 
8cceab7
2c85aa8
8cceab7
 
 
 
 
b26b1fd
 
8cceab7
b26b1fd
8cceab7
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
b26b1fd
8cceab7
 
 
b26b1fd
8cceab7
 
 
 
 
 
b26b1fd
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
8cceab7
 
 
 
 
 
 
 
b26b1fd
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
8cceab7
 
 
b26b1fd
8cceab7
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
b26b1fd
8cceab7
b26b1fd
2c85aa8
8cceab7
 
 
 
 
 
 
 
 
 
 
 
 
 
2c85aa8
b26b1fd
8cceab7
 
b26b1fd
 
 
8cceab7
b26b1fd
 
8cceab7
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254
255
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300
301
302
303
304
305
306
307
308
309
310
311
312
313
314
315
316
317
318
319
320
321
322
323
324
325
326
327
328
329
330
331
332
333
334
335
336
337
338
339
340
341
342
343
344
345
346
347
348
349
350
351
352
353
354
355
356
357
358
359
360
361
362
363
364
365
366
367
368
369
370
371
372
373
374
375
376
377
378
379
380
381
382
383
384
385
386
387
388
389
390
391
392
393
394
395
396
397
398
399
400
401
402
403
404
405
406
407
408
409
410
411
412
413
414
415
416
417
418
419
420
421
422
423
424
425
426
427
428
429
430
431
432
433
434
435
436
437
438
439
440
441
442
443
444
445
446
447
448
449
450
451
452
453
454
455
456
457
458
459
460
461
462
463
464
465
466
467
468
469
470
471
472
473
474
475
476
477
478
479
480
481
482
483
484
485
486
487
488
489
490
491
492
493
494
495
496
497
498
499
500
501
502
503
504
505
506
507
508
509
510
511
512
513
514
515
516
517
518
519
520
521
522
523
524
525
526
527
528
529
530
531
532
533
534
535
536
537
538
539
540
541
542
543
544
545
546
547
548
549
550
551
552
553
554
555
556
557
558
559
560
561
562
563
564
565
566
567
568
569
570
571
572
573
574
575
576
577
578
579
580
581
582
583
584
585
586
587
588
589
590
from __future__ import annotations

import ast
import asyncio
import json
import re
import string
import time
from typing import Callable, Dict, List, Optional, Tuple

from bson import ObjectId
from fastapi import HTTPException
from motor.motor_asyncio import AsyncIOMotorCollection
from openai import AsyncOpenAI

from app.core.config import settings
from app.schemas.categories import CategoryPrediction


class AutoCategoryService:
    """Classifies transaction notes into the closest Mongo-backed category."""

    def __init__(
        self,
        collection_getter: Callable[[], AsyncIOMotorCollection],
        subcategory_collection_getter: Callable[[], AsyncIOMotorCollection],
        openai_client: AsyncOpenAI,
        model: str,
        cache_ttl_seconds: int,
        db_timeout_seconds: float,
        model_timeout_seconds: float,
    ) -> None:
        self._collection_getter = collection_getter
        self._subcategory_collection_getter = subcategory_collection_getter
        self._openai_client = openai_client
        self._model = model
        self._cache_ttl_seconds = cache_ttl_seconds
        self._db_timeout_seconds = db_timeout_seconds
        self._model_timeout_seconds = model_timeout_seconds
        
        # User-specific cache for headcategories: {user_id: (data, timestamp)}
        self._headcategories_cache: Dict[str, Tuple[Dict[str, object], float]] = {}
        self._cache_lock = asyncio.Lock()

    def _collection(self) -> AsyncIOMotorCollection:
        return self._collection_getter()

    def _subcategory_collection(self) -> AsyncIOMotorCollection:
        return self._subcategory_collection_getter()

    async def categorize(self, notes: str, user_id: str) -> CategoryPrediction:
        """Categorize transaction notes using a two-step approach:
        1. First match notes to a headcategory title
        2. Then match notes to a category within that headcategory
        """
        # Step 1: Fetch all headcategories for the user (with caching)
        try:
            headcategories_data = await asyncio.wait_for(
                self._get_headcategories_cached(user_id), timeout=self._db_timeout_seconds
            )
        except asyncio.TimeoutError as exc:
            raise HTTPException(status_code=504, detail="Timed out loading headcategories from database.") from exc
        except Exception as exc:
            raise HTTPException(status_code=502, detail="Failed to load headcategories from database.") from exc

        if not headcategories_data or not headcategories_data.get("headcategories"):
            raise HTTPException(status_code=500, detail="No headcategories configured for this user.")

        # Step 2: Use LLM to match notes to a headcategory title
        headcategory_titles = [hc.get("title", "") for hc in headcategories_data["headcategories"]]
        formatted_headcategories = "\n".join([f"- {title}" for title in headcategory_titles if title])
        
        headcategory_prompt = (
            "Transaction note:\n"
            f"{notes}\n\n"
            "Available headcategories:\n"
            f"{formatted_headcategories}\n\n"
            "Respond with the exact headcategory title from the list above that best matches this transaction."
        )

        headcategory_request = dict(
            model=self._model,
            messages=[
                {
                    "role": "system",
                    "content": (
                        "You classify financial transactions into the closest headcategory. "
                        "Only use the provided headcategory title options. "
                        "Output valid JSON with key 'title'."
                    ),
                },
                {"role": "user", "content": headcategory_prompt},
            ],
        )

        try:
            headcategory_response = await asyncio.wait_for(
                self._create_model_response(headcategory_request),
                timeout=self._model_timeout_seconds,
            )
        except asyncio.TimeoutError as exc:
            raise HTTPException(status_code=504, detail="Timed out waiting for headcategory model response.") from exc
        except Exception as exc:
            error_msg = str(exc)
            raise HTTPException(
                status_code=502, 
                detail=f"Failed to call the model API for headcategory: {error_msg}"
            ) from exc

        try:
            headcategory_payload = self._parse_response_payload(headcategory_response)
        except ValueError as exc:
            raise HTTPException(status_code=502, detail="Failed to parse headcategory model output.") from exc

        matched_headcategory_title = headcategory_payload.get("title")
        if not isinstance(matched_headcategory_title, str):
            raise HTTPException(status_code=502, detail="Model response missing headcategory title field.")

        # Step 3: Find the matched headcategory and get its categories (optimized lookup)
        matched_headcategory = None
        matched_title_normalized = self._normalize_string(matched_headcategory_title)
        matched_title_lower = matched_headcategory_title.lower()
        
        # Try exact normalized match first (most common case)
        for hc in headcategories_data["headcategories"]:
            hc_title = hc.get("title", "")
            if self._normalize_string(hc_title) == matched_title_normalized:
                matched_headcategory = hc
                break
        
        # Try partial matching if exact normalized match fails
        if not matched_headcategory:
            for hc in headcategories_data["headcategories"]:
                hc_title = hc.get("title", "").lower()
                if matched_title_lower in hc_title or hc_title in matched_title_lower:
                    matched_headcategory = hc
                    break

        if not matched_headcategory:
            available_titles = ", ".join(headcategory_titles[:10])
            raise HTTPException(
                status_code=502,
                detail=(
                    f"Could not find matching headcategory for title: '{matched_headcategory_title}'. "
                    f"Available headcategories: {available_titles}"
                )
            )

        headcategory_id = matched_headcategory.get("_id")
        category_ids = matched_headcategory.get("category_ids", [])
        
        if not isinstance(headcategory_id, ObjectId):
            raise HTTPException(status_code=500, detail="Invalid headcategory ID format.")
        
        if not category_ids:
            raise HTTPException(status_code=500, detail="Selected headcategory has no categories.")

        # Step 4: Fetch categories from categories collection
        try:
            categories_data = await asyncio.wait_for(
                self._get_categories_by_ids(category_ids), timeout=self._db_timeout_seconds
            )
        except asyncio.TimeoutError as exc:
            raise HTTPException(status_code=504, detail="Timed out loading categories from database.") from exc
        except Exception as exc:
            raise HTTPException(status_code=502, detail="Failed to load categories from database.") from exc

        if not categories_data or not categories_data.get("categories"):
            raise HTTPException(status_code=500, detail="No categories found for the selected headcategory.")

        # Step 5: Use LLM to match notes to a specific category
        category_titles = [cat.get("title", "") for cat in categories_data["categories"]]
        formatted_categories = "\n".join([f"- {title}" for title in category_titles if title])
        
        category_prompt = (
            "Transaction note:\n"
            f"{notes}\n\n"
            "Available categories:\n"
            f"{formatted_categories}\n\n"
            "Respond with the exact category title from the list above that best matches this transaction."
        )

        category_request = dict(
            model=self._model,
            messages=[
                {
                    "role": "system",
                    "content": (
                        "You classify financial transactions into the closest category. "
                        "Only use the provided category title options. "
                        "Output valid JSON with key 'title'."
                    ),
                },
                {"role": "user", "content": category_prompt},
            ],
        )

        try:
            category_response = await asyncio.wait_for(
                self._create_model_response(category_request),
                timeout=self._model_timeout_seconds,
            )
        except asyncio.TimeoutError as exc:
            raise HTTPException(status_code=504, detail="Timed out waiting for category model response.") from exc
        except Exception as exc:
            error_msg = str(exc)
            raise HTTPException(
                status_code=502, 
                detail=f"Failed to call the model API for category: {error_msg}"
            ) from exc

        try:
            category_payload = self._parse_response_payload(category_response)
        except ValueError as exc:
            raise HTTPException(status_code=502, detail="Failed to parse category model output.") from exc

        matched_category_title = category_payload.get("title")
        if not isinstance(matched_category_title, str):
            raise HTTPException(status_code=502, detail="Model response missing category title field.")

        # Step 6: Find the matched category ID (optimized lookup)
        matched_category = None
        matched_cat_title_normalized = self._normalize_string(matched_category_title)
        matched_cat_title_lower = matched_category_title.lower()
        
        # Try exact normalized match first (most common case)
        for cat in categories_data["categories"]:
            cat_title = cat.get("title", "")
            if self._normalize_string(cat_title) == matched_cat_title_normalized:
                matched_category = cat
                break
        
        # Try partial matching if exact normalized match fails
        if not matched_category:
            for cat in categories_data["categories"]:
                cat_title = cat.get("title", "").lower()
                if matched_cat_title_lower in cat_title or cat_title in matched_cat_title_lower:
                    matched_category = cat
                    break

        if not matched_category:
            available_titles = ", ".join(category_titles[:10])
            raise HTTPException(
                status_code=502,
                detail=(
                    f"Could not find matching category for title: '{matched_category_title}'. "
                    f"Available categories: {available_titles}"
                )
            )

        category_id = matched_category.get("_id")
        if not isinstance(category_id, ObjectId):
            raise HTTPException(status_code=500, detail="Invalid category ID format.")

        # Get titles from matched objects
        headcategory_title = matched_headcategory.get("title", "")
        category_title = matched_category.get("title", "")

        return CategoryPrediction(
            headcategory_id=str(headcategory_id),
            headcategory_title=headcategory_title,
            category_id=str(category_id),
            category_title=category_title,
        )

    def _parse_response_payload(self, response) -> Dict[str, object]:
        raw_text = self._extract_response_text(response)
        if not raw_text:
            raise ValueError("Model response did not contain text content.")

        cleaned = self._strip_code_fence(raw_text)
        candidates = [cleaned]

        json_snippet = self._extract_json_snippet(cleaned)
        if json_snippet and json_snippet not in candidates:
            candidates.append(json_snippet)

        for candidate in candidates:
            for parser in (self._try_parse_json, self._try_parse_literal_dict, self._try_parse_key_values):
                payload = parser(candidate)
                if payload:
                    return payload

        raise ValueError("Unable to coerce model response into a payload.")

    @staticmethod
    def _extract_response_text(response) -> str:
        """Extract text from OpenAI API response (supports both Chat Completions and Responses API)."""
        # Try standard Chat Completions API format first
        if hasattr(response, "choices") and response.choices:
            message = response.choices[0].message
            if hasattr(message, "content") and message.content:
                return message.content.strip()
        
        # Try Responses API format
        text = getattr(response, "output_text", "") or ""
        if isinstance(text, str) and text.strip():
            return text.strip()

        outputs = getattr(response, "output", []) or []
        for output in outputs:
            contents = getattr(output, "content", []) or []
            for content in contents:
                value = getattr(content, "text", None)
                if isinstance(value, str) and value.strip():
                    return value.strip()

        return ""

    @staticmethod
    def _strip_code_fence(raw_text: str) -> str:
        text = raw_text.strip()
        if text.startswith("```") and text.endswith("```"):
            lines = text.split("\n")
            # Drop first and last fence line
            if len(lines) >= 2:
                text = "\n".join(lines[1:-1]).strip()
        return text

    @staticmethod
    def _extract_json_snippet(raw_text: str) -> Optional[str]:
        start = raw_text.find("{")
        end = raw_text.rfind("}")
        if start == -1 or end == -1 or end <= start:
            return None
        return raw_text[start : end + 1]

    @staticmethod
    def _try_parse_json(raw_text: str) -> Optional[Dict[str, object]]:
        text = raw_text.strip()
        if not text:
            return None
        try:
            payload = json.loads(text)
        except json.JSONDecodeError:
            return None
        return payload if isinstance(payload, dict) else None

    @staticmethod
    def _try_parse_literal_dict(raw_text: str) -> Optional[Dict[str, object]]:
        try:
            payload = ast.literal_eval(raw_text)
        except (SyntaxError, ValueError):
            return None
        return payload if isinstance(payload, dict) else None

    @staticmethod
    def _try_parse_key_values(raw_text: str) -> Optional[Dict[str, object]]:
        title: Optional[str] = None
        subcategory: Optional[str] = None
        for chunk in re.split(r"[\n;,]+", raw_text):
            if ":" in chunk:
                key, value = chunk.split(":", 1)
            elif "=" in chunk:
                key, value = chunk.split("=", 1)
            else:
                continue
            key_normalized = key.strip().lower()
            value_clean = value.strip().strip('"\'')
            if not value_clean:
                continue
            if key_normalized in {"title", "category"}:
                title = value_clean
            elif key_normalized in {"subcategory", "sub_category", "sub"}:
                subcategory = value_clean

        if title and subcategory:
            return {"title": title, "subcategory": subcategory}

        return None

    async def _get_headcategories_cached(self, user_id: str) -> Dict[str, object]:
        """Fetch headcategories from MongoDB with user-specific caching."""
        async with self._cache_lock:
            now = time.monotonic()
            # Check cache
            if user_id in self._headcategories_cache:
                cached_data, cached_time = self._headcategories_cache[user_id]
                if (now - cached_time) < self._cache_ttl_seconds:
                    return cached_data
                # Cache expired, remove it
                del self._headcategories_cache[user_id]

        # Fetch from database
        data = await self._get_headcategories(user_id)
        
        # Update cache
        async with self._cache_lock:
            self._headcategories_cache[user_id] = (data, time.monotonic())
        
        return data

    async def _get_headcategories(self, user_id: str) -> Dict[str, object]:
        """Fetch headcategories from MongoDB filtered by user_id."""
        head_collection = self._collection()

        # Convert user_id string to ObjectId
        try:
            user_object_id = ObjectId(user_id)
        except Exception as exc:
            raise HTTPException(status_code=400, detail=f"Invalid user_id format: {user_id}") from exc

        # Query headcategories filtered by user_id - only fetch needed fields for performance
        head_docs = await head_collection.find(
            {"user": user_object_id, "categories": {"$type": "array", "$ne": []}},
            {"_id": 1, "title": 1, "categories": 1}  # Only fetch needed fields
        ).to_list(length=1000)

        if not head_docs:
            return {"headcategories": []}

        # Build headcategories structure
        headcategories: List[Dict[str, object]] = []
        for head_doc in head_docs:
            head_id = head_doc.get("_id")
            if not isinstance(head_id, ObjectId):
                continue
                
            category_ids = [cid for cid in (head_doc.get("categories") or []) if isinstance(cid, ObjectId)]
            if not category_ids:
                continue
                
            headcategories.append({
                "_id": head_id,
                "title": head_doc.get("title", ""),
                "category_ids": category_ids,
            })

        return {"headcategories": headcategories}

    async def _get_categories_by_ids(self, category_ids: List[ObjectId]) -> Dict[str, object]:
        """Fetch categories from MongoDB by their ObjectIds."""
        subcategory_collection = self._subcategory_collection()

        if not category_ids:
            return {"categories": []}

        # Query categories collection with the provided ObjectIds
        categories: List[Dict[str, object]] = []
        cursor = subcategory_collection.find(
            {"_id": {"$in": category_ids}}, 
            {"title": 1, "_id": 1}
        )
        async for cat_doc in cursor:
            cat_id = cat_doc.get("_id")
            if isinstance(cat_id, ObjectId):
                categories.append({
                    "_id": cat_id,
                    "title": cat_doc.get("title", ""),
                })

        return {"categories": categories}

    async def _create_model_response(self, request_payload: Dict[str, object]):
        """Create a model response using OpenAI Chat Completions API."""
        try:
            return await self._openai_client.chat.completions.create(
                response_format={"type": "json_object"},
                **request_payload,
            )
        except TypeError as exc:
            # Fallback for older openai-python clients or custom API endpoints
            if "responses" in dir(self._openai_client):
                return await self._openai_client.responses.create(
                    response_format={"type": "json_object"},
                    **request_payload,
                )
            raise

    @staticmethod
    def _format_categories_for_llm(categories: List[Dict[str, object]]) -> str:
        """Format categories for LLM prompt."""
        lines = []
        for category in categories:
            subs = category.get("subcategories") or []
            subs_text = ", ".join([sub.get("title", "") for sub in subs if isinstance(sub, dict)]) if subs else "Unspecified"
            lines.append(f"- {category.get('title', 'Unknown')}: {subs_text}")
        return "\n".join(lines)
    
    @staticmethod
    def _normalize_string(s: str) -> str:
        """Normalize string by removing punctuation and extra spaces for better matching."""
        # Remove punctuation and convert to lowercase
        normalized = s.translate(str.maketrans('', '', string.punctuation)).lower().strip()
        # Replace multiple spaces with single space
        normalized = ' '.join(normalized.split())
        return normalized

    @staticmethod
    def _find_matching_ids(
        categories: List[Dict[str, object]], 
        title: str, 
        subcategory: str
    ) -> tuple[ObjectId | None, ObjectId | None]:
        """Find matching headcategory_id and category_id based on title and subcategory strings.
        
        Uses flexible matching:
        1. Exact match (case-insensitive)
        2. Normalized match (removes punctuation)
        3. Partial match (one contains the other)
        4. Word-based match (checks if key words match)
        """
        title_lower = title.strip().lower()
        subcategory_lower = subcategory.strip().lower()
        title_normalized = AutoCategoryService._normalize_string(title)
        subcategory_normalized = AutoCategoryService._normalize_string(subcategory)
        
        # First pass: exact match
        for category in categories:
            head_title = category.get("title", "").strip().lower()
            if head_title != title_lower:
                continue
            
            subcategories = category.get("subcategories", [])
            for sub in subcategories:
                if isinstance(sub, dict):
                    sub_title = sub.get("title", "").strip().lower()
                    if sub_title == subcategory_lower:
                        headcategory_id = category.get("headcategory_id")
                        category_id = sub.get("_id")
                        if isinstance(headcategory_id, ObjectId) and isinstance(category_id, ObjectId):
                            return headcategory_id, category_id
        
        # Second pass: normalized match (removes punctuation, handles "Wage" vs "Wage, Invoices")
        for category in categories:
            head_title = category.get("title", "").strip().lower()
            head_title_norm = AutoCategoryService._normalize_string(head_title)
            if head_title_norm != title_normalized and title_normalized not in head_title_norm and head_title_norm not in title_normalized:
                continue
            
            subcategories = category.get("subcategories", [])
            for sub in subcategories:
                if isinstance(sub, dict):
                    sub_title = sub.get("title", "").strip().lower()
                    sub_title_norm = AutoCategoryService._normalize_string(sub_title)
                    if (sub_title_norm == subcategory_normalized or 
                        subcategory_normalized in sub_title_norm or 
                        sub_title_norm in subcategory_normalized):
                        headcategory_id = category.get("headcategory_id")
                        category_id = sub.get("_id")
                        if isinstance(headcategory_id, ObjectId) and isinstance(category_id, ObjectId):
                            return headcategory_id, category_id
        
        # Third pass: partial match (one contains the other)
        for category in categories:
            head_title = category.get("title", "").strip().lower()
            # Check if title matches (exact or contains)
            if title_lower not in head_title and head_title not in title_lower:
                continue
            
            subcategories = category.get("subcategories", [])
            for sub in subcategories:
                if isinstance(sub, dict):
                    sub_title = sub.get("title", "").strip().lower()
                    # Check if subcategory matches (exact or contains)
                    if (subcategory_lower in sub_title or sub_title in subcategory_lower or
                        subcategory_lower.split()[0] in sub_title or sub_title.split()[0] in subcategory_lower):
                        headcategory_id = category.get("headcategory_id")
                        category_id = sub.get("_id")
                        if isinstance(headcategory_id, ObjectId) and isinstance(category_id, ObjectId):
                            return headcategory_id, category_id
        
        # Fourth pass: word-based matching (for cases like "Wage" matching "Wage, Invoices")
        title_words = set(title_lower.split())
        subcategory_words = set(subcategory_lower.split())
        
        for category in categories:
            head_title = category.get("title", "").strip().lower()
            head_title_words = set(head_title.split())
            
            # Check if there's significant word overlap for title
            if not title_words.intersection(head_title_words) and not head_title_words.intersection(title_words):
                continue
            
            subcategories = category.get("subcategories", [])
            for sub in subcategories:
                if isinstance(sub, dict):
                    sub_title = sub.get("title", "").strip().lower()
                    sub_title_words = set(sub_title.split())
                    
                    # Check if there's significant word overlap for subcategory
                    if (subcategory_words.intersection(sub_title_words) or 
                        sub_title_words.intersection(subcategory_words)):
                        headcategory_id = category.get("headcategory_id")
                        category_id = sub.get("_id")
                        if isinstance(headcategory_id, ObjectId) and isinstance(category_id, ObjectId):
                            return headcategory_id, category_id
        
        return None, None