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ATOM Finance Industry Customization Service
Regulatory compliant financial AI and risk management system
"""
import asyncio
import base64
from collections import Counter, defaultdict
from dataclasses import asdict, dataclass
from datetime import datetime, timedelta, timezone
from enum import Enum
import hashlib
import hmac
import json
import logging
import os
import time
from typing import Any, Callable, Dict, List, Optional, Tuple, Union
from urllib.parse import urlencode
import aiohttp
import httpx
import numpy as np
import pandas as pd
from pydantic import BaseModel, Field
from core.circuit_breaker import circuit_breaker
from core.rate_limiter import rate_limiter, should_retry, calculate_backoff
from core.audit_logger import log_integration_call, log_integration_error, log_integration_attempt, log_integration_complete
from fastapi import HTTPException
# Import existing ATOM services
try:
from ai_enhanced_service import (
AIModelType,
AIRequest,
AIResponse,
AIServiceType,
AITaskType,
ai_enhanced_service,
)
from atom_ai_integration import atom_ai_integration
from atom_discord_integration import atom_discord_integration
from atom_enterprise_security_service import atom_enterprise_security_service
from atom_google_chat_integration import atom_google_chat_integration
from atom_hubspot_integration_service import atom_hubspot_integration_service
from atom_quickbooks_integration_service import atom_quickbooks_integration_service
from atom_slack_integration import atom_slack_integration
from atom_teams_integration import atom_teams_integration
from atom_telegram_integration import atom_telegram_integration
from atom_video_ai_service import atom_video_ai_service
from atom_voice_ai_service import atom_voice_ai_service
from atom_voice_video_integration_service import atom_voice_video_integration_service
from atom_whatsapp_integration import atom_whatsapp_integration
from atom_workflow_automation_service import (
AutomationPriority,
AutomationStatus,
atom_workflow_automation_service,
)
from atom_zendesk_integration_service import atom_zendesk_integration_service
from atom_zoom_integration import atom_zoom_integration
except ImportError as e:
logging.warning(f"Enterprise services not available: {e}")
# Configure logging
logger = logging.getLogger(__name__)
class FinanceComplianceStandard(Enum):
"""Finance compliance standards"""
SOX = "sox"
PCI_DSS = "pci_dss"
GLBA = "glba"
FFIEC = "ffiec"
GDPR = "gdpr"
CCPA = "ccpa"
MiFID_II = "mifid_ii"
KYC = "kyc"
AML = "aml"
BASEL_III = "basel_iii"
class TransactionType(Enum):
"""Financial transaction types"""
DEPOSIT = "deposit"
WITHDRAWAL = "withdrawal"
TRANSFER = "transfer"
PAYMENT = "payment"
INVESTMENT = "investment"
LOAN = "loan"
TRADE = "trade"
FOREIGN_EXCHANGE = "foreign_exchange"
class RiskLevel(Enum):
"""Risk levels"""
LOW = "low"
MEDIUM = "medium"
HIGH = "high"
CRITICAL = "critical"
class AccountType(Enum):
"""Account types"""
CHECKING = "checking"
SAVINGS = "savings"
CREDIT_CARD = "credit_card"
LOAN = "loan"
INVESTMENT = "investment"
BUSINESS = "business"
TRUST = "trust"
class FinancialAnalyticsType(Enum):
"""Financial analytics types"""
RISK_ASSESSMENT = "risk_assessment"
FRAUD_DETECTION = "fraud_detection"
PORTFOLIO_ANALYSIS = "portfolio_analysis"
COMPLIANCE_MONITORING = "compliance_monitoring"
CREDIT_SCORING = "credit_scoring"
MARKET_ANALYSIS = "market_analysis"
REVENUE_ANALYTICS = "revenue_analytics"
PREDICTIVE_MODELING = "predictive_modeling"
@dataclass
class Customer:
"""Customer data model"""
customer_id: str
account_number: str
first_name: str
last_name: str
date_of_birth: datetime
ssn_hash: str
email: str
phone: str
address: Dict[str, str]
credit_score: float
risk_level: RiskLevel
account_type: AccountType
account_balance: float
credit_limit: float
employment_status: str
annual_income: float
kyc_status: str
kyc_documents: List[Dict[str, Any]]
created_at: datetime
last_updated: datetime
metadata: Dict[str, Any]
@dataclass
class Transaction:
"""Transaction data model"""
transaction_id: str
customer_id: str
account_number: str
transaction_type: TransactionType
amount: float
currency: str
timestamp: datetime
merchant_category: str
description: str
card_number_hash: str
ip_address: str
device_fingerprint: str
location: Dict[str, str]
fraud_score: float
compliance_flags: List[str]
status: str
created_at: datetime
metadata: Dict[str, Any]
@dataclass
class LoanApplication:
"""Loan application data model"""
application_id: str
customer_id: str
loan_type: str
loan_amount: float
loan_term: int
interest_rate: float
purpose: str
collateral: Dict[str, Any]
credit_check_result: Dict[str, Any]
risk_assessment: Dict[str, Any]
approval_status: str
approval_date: Optional[datetime]
funded_date: Optional[datetime]
created_at: datetime
metadata: Dict[str, Any]
@dataclass
class FinancialAnalytics:
"""Financial analytics data model"""
analytics_id: str
analytics_type: FinancialAnalyticsType
time_period: str
start_date: datetime
end_date: datetime
department: str
metrics: Dict[str, Any]
insights: List[str]
recommendations: List[str]
created_at: datetime
metadata: Dict[str, Any]
class AtomFinanceCustomizationService:
"""Advanced Finance Industry Customization Service"""
def __init__(self, tenant_id: str = "default", config: Dict[str, Any] = None):
if config is None:
config = {}
self.config = config
self.db = config.get('database')
self.cache = config.get('cache')
# Finance API configuration
self.finance_config = {
'sox_compliance': config.get('sox_compliance', True),
'pci_dss_compliance': config.get('pci_dss_compliance', True),
'glba_compliance': config.get('glba_compliance', True),
'ffiec_compliance': config.get('ffiec_compliance', True),
'gdpr_compliance': config.get('gdpr_compliance', True),
'kyc_required': config.get('kyc_required', True),
'aml_monitoring': config.get('aml_monitoring', True),
'fraud_detection': config.get('fraud_detection', True),
'risk_assessment': config.get('risk_assessment', True),
'credit_scoring': config.get('credit_scoring', True),
'financial_ai_enabled': config.get('financial_ai_enabled', True),
'predictive_modeling': config.get('predictive_modeling', True),
'portfolio_management': config.get('portfolio_management', True),
'compliance_monitoring': config.get('compliance_monitoring', True),
'automated_reporting': config.get('automated_reporting', True),
'real_time_monitoring': config.get('real_time_monitoring', True),
'banking_core_integration': config.get('banking_core_integration', True),
'trading_system_integration': config.get('trading_system_integration', True),
'credit_bureau_integration': config.get('credit_bureau_integration', True),
'regulatory_reporting': config.get('regulatory_reporting', True)
}
# API endpoints
self.api_endpoints = {
'customers': '/api/v1/customers',
'accounts': '/api/v1/accounts',
'transactions': '/api/v1/transactions',
'loans': '/api/v1/loans',
'credit_cards': '/api/v1/credit_cards',
'investments': '/api/v1/investments',
'risk_assessment': '/api/v1/risk_assessment',
'fraud_detection': '/api/v1/fraud_detection',
'compliance': '/api/v1/compliance',
'analytics': '/api/v1/analytics',
'reporting': '/api/v1/reporting'
}
# Integration state
self.is_initialized = False
self.compliance_standards: List[FinanceComplianceStandard] = []
self.encryption_keys: Dict[str, str] = {}
self.audit_logs: List[Dict[str, Any]] = []
self.fraud_rules: Dict[str, Dict[str, Any]] = {}
self.risk_models: Dict[str, Dict[str, Any]] = {}
self.credit_scoring_models: Dict[str, Dict[str, Any]] = {}
# Banking core integration
self.banking_core_integration = None
if self.finance_config['banking_core_integration']:
self.banking_core_integration = self._initialize_banking_core_integration()
# Trading system integration
self.trading_system_integration = None
if self.finance_config['trading_system_integration']:
self.trading_system_integration = self._initialize_trading_system_integration()
# Credit bureau integration
self.credit_bureau_integration = None
if self.finance_config['credit_bureau_integration']:
self.credit_bureau_integration = self._initialize_credit_bureau_integration()
# Enterprise integration (use safe defaults if optional services didn't import)
self.enterprise_security = config.get('security_service') or globals().get('atom_enterprise_security_service')
self.enterprise_automation = config.get('automation_service') or globals().get('atom_workflow_automation_service')
self.ai_service = config.get('ai_service') or globals().get('ai_enhanced_service')
# Platform integrations (use safe defaults if optional services didn't import)
self.platform_integrations = {}
_slack = globals().get('atom_slack_integration')
if _slack:
self.platform_integrations['slack'] = _slack
_teams = globals().get('atom_teams_integration')
if _teams:
self.platform_integrations['teams'] = _teams
_google_chat = globals().get('atom_google_chat_integration')
if _google_chat:
self.platform_integrations['google_chat'] = _google_chat
_discord = globals().get('atom_discord_integration')
if _discord:
self.platform_integrations['discord'] = _discord
_telegram = globals().get('atom_telegram_integration')
if _telegram:
self.platform_integrations['telegram'] = _telegram
_whatsapp = globals().get('atom_whatsapp_integration')
if _whatsapp:
self.platform_integrations['whatsapp'] = _whatsapp
_zoom = globals().get('atom_zoom_integration')
if _zoom:
self.platform_integrations['zoom'] = _zoom
# Analytics and monitoring
self.analytics_metrics = {
'total_customers': 0,
'active_accounts': 0,
'total_transactions': 0,
'transaction_volume_today': 0,
'fraudulent_transactions': 0,
'high_risk_transactions': 0,
'compliance_violations': 0,
'loan_applications': 0,
'loan_approvals': 0,
'credit_score_average': 0.0,
'fraud_detection_rate': 0.0,
'risk_assessment_accuracy': 0.0,
'compliance_monitoring_efficiency': 0.0,
'customer_satisfaction': 0.0,
'revenue_growth': 0.0,
'portfolio_performance': 0.0,
'transaction_types': defaultdict(int),
'risk_level_distribution': defaultdict(int),
'compliance_standards_met': defaultdict(int)
}
# Performance metrics
self.performance_metrics = {
'api_response_time': 0.0,
'fraud_detection_time': 0.0,
'risk_assessment_time': 0.0,
'compliance_check_time': 0.0,
'credit_scoring_time': 0.0,
'transaction_processing_time': 0.0,
'financial_ai_processing_time': 0.0,
'banking_core_sync_time': 0.0
}
logger.info("Finance Customization Service initialized")
async def initialize(self) -> bool:
"""Initialize Finance Customization Service"""
try:
# Setup finance compliance standards
await self._setup_finance_compliance_standards()
# Initialize banking core integration
if self.banking_core_integration:
await self._initialize_banking_core_connection()
# Initialize trading system integration
if self.trading_system_integration:
await self._initialize_trading_system_connection()
# Initialize credit bureau integration
if self.credit_bureau_integration:
await self._initialize_credit_bureau_connection()
# Setup encryption and security
await self._setup_encryption_and_security()
# Setup fraud detection
if self.finance_config['fraud_detection']:
await self._setup_fraud_detection()
# Setup risk assessment
if self.finance_config['risk_assessment']:
await self._setup_risk_assessment()
# Setup credit scoring
if self.finance_config['credit_scoring']:
await self._setup_credit_scoring()
# Setup compliance monitoring
if self.finance_config['compliance_monitoring']:
await self._setup_compliance_monitoring()
# Setup financial AI features
if self.finance_config['financial_ai_enabled']:
await self._setup_financial_ai()
# Setup integrations
await self._setup_integrations()
# Load existing data
await self._load_existing_data()
# Start real-time monitoring
if self.finance_config['real_time_monitoring']:
await self._start_real_time_monitoring()
self.is_initialized = True
logger.info("Finance Customization Service initialized successfully")
return True
except Exception as e:
logger.error(f"Error initializing Finance Customization Service: {e}")
return False
async def create_customer(self, customer_data: Dict[str, Any], platform: str = None) -> Dict[str, Any]:
"""Create new customer with finance compliance"""
# Start audit logging
audit_ctx = log_integration_attempt("atom_finance_customization", "initialize", locals())
try:
# Check circuit breaker
if not await circuit_breaker.is_enabled("atom_finance_customization"):
logger.warning(f"Circuit breaker is open for atom_finance_customization")
log_integration_complete(audit_ctx, error=Exception("Circuit breaker open"))
raise HTTPException(
status_code=503,
detail=f"Atom_finance_customization integration temporarily disabled"
)
# Check rate limiter
is_limited, remaining = await rate_limiter.is_rate_limited("atom_finance_customization")
if is_limited:
logger.warning(f"Rate limit exceeded for atom_finance_customization")
log_integration_complete(audit_ctx, error=Exception("Rate limit exceeded"))
raise HTTPException(
status_code=429,
detail=f"Rate limit exceeded for atom_finance_customization"
)
start_time = time.time()
# Update analytics
self.analytics_metrics['total_customers'] += 1
# Finance compliance check
if self.finance_config['sox_compliance']:
compliance_check = await self._perform_finance_compliance_check(customer_data)
if not compliance_check['passed']:
return {'success': False, 'error': compliance_check['reason']}
# KYC verification
if self.finance_config['kyc_required']:
kyc_verification = await self._perform_kyc_verification(customer_data)
if not kyc_verification['passed']:
return {'success': False, 'error': kyc_verification['reason']}
# Credit scoring
if self.finance_config['credit_scoring']:
credit_score = await self._calculate_credit_score(customer_data)
customer_data['credit_score'] = credit_score
# Determine risk level based on credit score
if credit_score >= 750:
customer_data['risk_level'] = RiskLevel.LOW
elif credit_score >= 650:
customer_data['risk_level'] = RiskLevel.MEDIUM
elif credit_score >= 550:
customer_data['risk_level'] = RiskLevel.HIGH
else:
customer_data['risk_level'] = RiskLevel.CRITICAL
# Financial AI analysis
if self.finance_config['financial_ai_enabled']:
ai_analysis = await self._analyze_customer_with_financial_ai(customer_data)
customer_data.update(ai_analysis)
# Encrypt sensitive data
encrypted_data = await self._encrypt_customer_data(customer_data)
# Prepare customer payload
customer_payload = {
'customer_id': encrypted_data['customer_id'],
'account_number': encrypted_data['account_number'],
'first_name': encrypted_data['first_name'],
'last_name': encrypted_data['last_name'],
'date_of_birth': encrypted_data['date_of_birth'].isoformat(),
'ssn_hash': encrypted_data['ssn_hash'],
'email': encrypted_data['email'],
'phone': encrypted_data['phone'],
'address': encrypted_data['address'],
'credit_score': encrypted_data['credit_score'],
'risk_level': encrypted_data['risk_level'].value,
'account_type': encrypted_data['account_type'].value,
'account_balance': encrypted_data['account_balance'],
'credit_limit': encrypted_data['credit_limit'],
'employment_status': encrypted_data['employment_status'],
'annual_income': encrypted_data['annual_income'],
'kyc_status': encrypted_data['kyc_status'],
'kyc_documents': encrypted_data['kyc_documents'],
'created_at': datetime.utcnow().isoformat(),
'last_updated': datetime.utcnow().isoformat(),
'metadata': {
'created_by': 'atom_finance_service',
'sox_compliant': True,
'pci_dss_compliant': True,
'encryption_enabled': True
}
}
# Create customer via API
headers = await self._get_auth_headers()
async with httpx.AsyncClient() as client:
response = await client.post(
f"{self.config.get('base_url')}{self.api_endpoints['customers']}",
headers=headers,
json=customer_payload,
timeout=30.0
)
if response.status_code == 201:
customer = response.json()
# Update performance metrics
creation_time = time.time() - start_time
self.performance_metrics['api_response_time'] = creation_time
# Log audit trail
await self._log_audit_event('customer_created', customer_data, encrypted_data)
# Sync with banking core
if self.banking_core_integration:
await self._sync_customer_to_banking_core(customer)
# Notify relevant platforms
if platform and platform in self.platform_integrations:
await self._notify_platform_customer_created(customer, platform)
# Trigger workflows
await self._trigger_customer_workflows(customer, 'created')
logger.info(f"Customer created successfully: {customer['customer_id']}")
return {
'success': True,
'customer': customer,
'customer_id': customer['customer_id'],
'credit_score': customer_data['credit_score'],
'risk_level': customer_data['risk_level'].value,
'creation_time': creation_time
}
else:
error_msg = f"Failed to create customer: {response.status_code} - {response.text}"
logger.error(error_msg)
return {'success': False, 'error': error_msg}
except Exception as e:
logger.error(f"Operation failed: {e}")
log_integration_complete(audit_ctx, error=e)
logger.error(f"Error creating customer: {e}")
return {'success': False, 'error': str(e)}
async def process_transaction(self, transaction_data: Dict[str, Any], platform: str = None) -> Dict[str, Any]:
"""Process transaction with fraud detection"""
# Start audit logging
audit_ctx = log_integration_attempt("atom_finance_customization", "create_customer", locals())
# Check circuit breaker
if not await circuit_breaker.is_enabled("atom_finance_customization"):
logger.warning(f"Circuit breaker is open for atom_finance_customization")
log_integration_complete(audit_ctx, error=Exception("Circuit breaker open"))
raise HTTPException(
status_code=503,
detail=f"Atom_finance_customization integration temporarily disabled"
)
# Check rate limiter
is_limited, remaining = await rate_limiter.is_rate_limited("atom_finance_customization")
if is_limited:
logger.warning(f"Rate limit exceeded for atom_finance_customization")
log_integration_complete(audit_ctx, error=Exception("Rate limit exceeded"))
raise HTTPException(
status_code=429,
detail=f"Rate limit exceeded for atom_finance_customization"
)
try:
start_time = time.time()
# Update analytics
self.analytics_metrics['total_transactions'] += 1
self.analytics_metrics['transaction_volume_today'] += transaction_data.get('amount', 0.0)
self.analytics_metrics['transaction_types'][transaction_data.get('transaction_type', 'transfer').value] += 1
# Finance compliance check
if self.finance_config['pci_dss_compliance']:
compliance_check = await self._perform_pci_dss_compliance_check(transaction_data)
if not compliance_check['passed']:
return {'success': False, 'error': compliance_check['reason']}
# Fraud detection
if self.finance_config['fraud_detection']:
fraud_score = await self._calculate_fraud_score(transaction_data)
transaction_data['fraud_score'] = fraud_score
# Determine if transaction is fraudulent
if fraud_score > 0.7:
transaction_data['status'] = 'flagged_for_review'
self.analytics_metrics['fraudulent_transactions'] += 1
elif fraud_score > 0.5:
transaction_data['status'] = 'high_risk'
self.analytics_metrics['high_risk_transactions'] += 1
else:
transaction_data['status'] = 'approved'
# Risk assessment
if self.finance_config['risk_assessment']:
risk_assessment = await self._perform_transaction_risk_assessment(transaction_data)
transaction_data['risk_assessment'] = risk_assessment
# Financial AI analysis
if self.finance_config['financial_ai_enabled']:
ai_analysis = await self._analyze_transaction_with_financial_ai(transaction_data)
transaction_data.update(ai_analysis)
# Encrypt sensitive data
encrypted_data = await self._encrypt_transaction_data(transaction_data)
# Prepare transaction payload
transaction_payload = {
'transaction_id': encrypted_data['transaction_id'],
'customer_id': encrypted_data['customer_id'],
'account_number': encrypted_data['account_number'],
'transaction_type': encrypted_data['transaction_type'].value,
'amount': encrypted_data['amount'],
'currency': encrypted_data['currency'],
'timestamp': encrypted_data['timestamp'].isoformat(),
'merchant_category': encrypted_data['merchant_category'],
'description': encrypted_data['description'],
'card_number_hash': encrypted_data['card_number_hash'],
'ip_address': encrypted_data['ip_address'],
'device_fingerprint': encrypted_data['device_fingerprint'],
'location': encrypted_data['location'],
'fraud_score': encrypted_data['fraud_score'],
'compliance_flags': encrypted_data['compliance_flags'],
'status': encrypted_data['status'],
'created_at': datetime.utcnow().isoformat(),
'metadata': {
'processed_by': 'atom_finance_service',
'sox_compliant': True,
'pci_dss_compliant': True,
'fraud_detection_enabled': self.finance_config['fraud_detection']
}
}
# Process transaction via API
headers = await self._get_auth_headers()
async with httpx.AsyncClient() as client:
response = await client.post(
f"{self.config.get('base_url')}{self.api_endpoints['transactions']}",
headers=headers,
json=transaction_payload,
timeout=30.0
)
if response.status_code == 201:
transaction = response.json()
# Update performance metrics
processing_time = time.time() - start_time
self.performance_metrics['transaction_processing_time'] = processing_time
# Log audit trail
await self._log_audit_event('transaction_processed', transaction_data, encrypted_data)
# Sync with banking core
if self.banking_core_integration:
await self._sync_transaction_to_banking_core(transaction)
# Notify relevant platforms
if platform and platform in self.platform_integrations:
await self._notify_platform_transaction_processed(transaction, platform)
# Trigger workflows
await self._trigger_transaction_workflows(transaction, 'processed')
logger.info(f"Transaction processed successfully: {transaction['transaction_id']}")
return {
'success': True,
'transaction': transaction,
'transaction_id': transaction['transaction_id'],
'fraud_score': transaction_data['fraud_score'],
'status': transaction['status'],
'processing_time': processing_time
}
else:
error_msg = f"Failed to process transaction: {response.status_code} - {response.text}"
logger.error(error_msg)
return {'success': False, 'error': error_msg}
except Exception as e:
logger.error(f"Error processing transaction: {e}")
return {'success': False, 'error': str(e)}
async def generate_financial_analytics(self, analytics_type: FinancialAnalyticsType,
# Start audit logging
audit_ctx = log_integration_attempt("atom_finance_customization", "generate_financial_analytics", locals())
# Check circuit breaker
if not await circuit_breaker.is_enabled("atom_finance_customization"):
logger.warning(f"Circuit breaker is open for atom_finance_customization")
log_integration_complete(audit_ctx, error=Exception("Circuit breaker open"))
raise HTTPException(
status_code=503,
detail=f"Atom_finance_customization integration temporarily disabled"
)
# Check rate limiter
is_limited, remaining = await rate_limiter.is_rate_limited("atom_finance_customization")
if is_limited:
logger.warning(f"Rate limit exceeded for atom_finance_customization")
log_integration_complete(audit_ctx, error=Exception("Rate limit exceeded"))
raise HTTPException(
status_code=429,
detail=f"Rate limit exceeded for atom_finance_customization"
)
time_period: str = '7d', department: str = None) -> Dict[str, Any]:
"""Generate financial analytics with compliance"""
# Start audit logging
audit_ctx = log_integration_attempt("atom_finance_customization", "process_transaction", locals())
# Check circuit breaker
if not await circuit_breaker.is_enabled("atom_finance_customization"):
logger.warning(f"Circuit breaker is open for atom_finance_customization")
log_integration_complete(audit_ctx, error=Exception("Circuit breaker open"))
raise HTTPException(
status_code=503,
detail=f"Atom_finance_customization integration temporarily disabled"
)
# Check rate limiter
is_limited, remaining = await rate_limiter.is_rate_limited("atom_finance_customization")
if is_limited:
logger.warning(f"Rate limit exceeded for atom_finance_customization")
log_integration_complete(audit_ctx, error=Exception("Rate limit exceeded"))
raise HTTPException(
status_code=429,
detail=f"Rate limit exceeded for atom_finance_customization"
)
try:
start_time = time.time()
# Calculate date range
end_date = datetime.utcnow()
start_date = end_date - timedelta(days=7) # Default to 7 days
# Finance compliance check for analytics
if self.finance_config['sox_compliance']:
compliance_check = await self._verify_analytics_compliance(analytics_type)
if not compliance_check['passed']:
return {'success': False, 'error': compliance_check['reason']}
# Generate analytics based on type
if analytics_type == FinancialAnalyticsType.RISK_ASSESSMENT:
analytics_data = await self._generate_risk_assessment_analytics(start_date, end_date, department)
elif analytics_type == FinancialAnalyticsType.FRAUD_DETECTION:
analytics_data = await self._generate_fraud_detection_analytics(start_date, end_date, department)
elif analytics_type == FinancialAnalyticsType.PORTFOLIO_ANALYSIS:
analytics_data = await self._generate_portfolio_analysis_analytics(start_date, end_date, department)
elif analytics_type == FinancialAnalyticsType.COMPLIANCE_MONITORING:
analytics_data = await self._generate_compliance_monitoring_analytics(start_date, end_date, department)
elif analytics_type == FinancialAnalyticsType.CREDIT_SCORING:
analytics_data = await self._generate_credit_scoring_analytics(start_date, end_date, department)
elif analytics_type == FinancialAnalyticsType.MARKET_ANALYSIS:
analytics_data = await self._generate_market_analysis_analytics(start_date, end_date, department)
elif analytics_type == FinancialAnalyticsType.REVENUE_ANALYTICS:
analytics_data = await self._generate_revenue_analytics(start_date, end_date, department)
elif analytics_type == FinancialAnalyticsType.PREDICTIVE_MODELING:
analytics_data = await self._generate_predictive_modeling_analytics(start_date, end_date, department)
else:
analytics_data = {'error': 'Unsupported analytics type'}
# Add financial AI-powered insights
if self.finance_config['financial_ai_enabled']:
insights = await self._generate_financial_ai_insights(analytics_data, analytics_type)
analytics_data['ai_insights'] = insights
# Create analytics object
analytics = FinancialAnalytics(
analytics_id=f"analytics_{int(time.time())}",
analytics_type=analytics_type,
time_period=time_period,
start_date=start_date,
end_date=end_date,
department=department or 'all',
metrics=analytics_data,
insights=analytics_data.get('insights', []),
recommendations=analytics_data.get('recommendations', []),
created_at=datetime.utcnow(),
metadata={'generated_by': 'atom_finance_service', 'sox_compliant': True}
)
# Update performance metrics
generation_time = time.time() - start_time
self.performance_metrics['api_response_time'] = generation_time
return {
'success': True,
'analytics': asdict(analytics),
'generation_time': generation_time
}
except Exception as e:
logger.error(f"Error generating financial analytics: {e}")
return {'success': False, 'error': str(e)}
async def _calculate_credit_score(self, customer_data: Dict[str, Any]) -> float:
"""Calculate credit score using AI models"""
start_time = time.time()
# Prepare AI request for credit scoring
ai_request = AIRequest(
request_id=f"credit_scoring_{int(time.time())}",
task_type=AITaskType.PREDICTION,
model_type=AIModelType.GPT_4,
service_type=AIServiceType.OPENAI,
input_data={
'customer_data': customer_data,
'context': 'credit_scoring',
'scoring_factors': [
'payment_history', 'credit_utilization', 'length_of_credit_history',
'new_credit_accounts', 'credit_mix', 'income_stability',
'employment_history', 'debt_to_income_ratio'
]
},
context={
'platform': 'finance',
'task': 'credit_scoring',
'sox_compliant': True
},
platform='finance'
)
ai_response = await self.ai_service.process_ai_request(ai_request)
if ai_response.ok and ai_response.output_data:
credit_score = ai_response.output_data.get('credit_score', 650)
scoring_factors = ai_response.output_data.get('scoring_factors', {})
else:
# Fallback to rule-based scoring
credit_score = await self._rule_based_credit_scoring(customer_data)
scoring_factors = {'method': 'rule_based'}
# Update performance metrics
scoring_time = time.time() - start_time
self.performance_metrics['credit_scoring_time'] = scoring_time
# Update analytics
self.analytics_metrics['credit_score_average'] = (
(self.analytics_metrics['credit_score_average'] * (self.analytics_metrics['total_customers'] - 1) + credit_score) /
self.analytics_metrics['total_customers']
)
return min(max(credit_score, 300), 850) # Ensure score is between 300-850
except Exception as e:
logger.error(f"Operation failed: {e}")
log_integration_complete(audit_ctx, error=e)
return {'ok': False, 'error': str(e)}
logger.error(f"Error calculating credit score: {e}")
return 650 # Default score
async def _calculate_fraud_score(self, transaction_data: Dict[str, Any]) -> float:
"""Calculate fraud score using ML models"""
start_time = time.time()
# Prepare AI request for fraud detection
ai_request = AIRequest(
request_id=f"fraud_detection_{int(time.time())}",
task_type=AITaskType.PREDICTION,
model_type=AIModelType.GPT_4,
service_type=AIServiceType.OPENAI,
input_data={
'transaction_data': transaction_data,
'context': 'fraud_detection',
'risk_factors': [
'amount_anomaly', 'location_anomaly', 'time_anomaly',
'device_anomaly', 'merchant_anomaly', 'frequency_anomaly'
]
},
context={
'platform': 'finance',
'task': 'fraud_detection',
'sox_compliant': True
},
platform='finance'
)
ai_response = await self.ai_service.process_ai_request(ai_request)
if ai_response.ok and ai_response.output_data:
fraud_score = ai_response.output_data.get('fraud_score', 0.1)
risk_factors = ai_response.output_data.get('risk_factors', {})
else:
# Fallback to rule-based fraud detection
fraud_score = await self._rule_based_fraud_detection(transaction_data)
risk_factors = {'method': 'rule_based'}
# Update performance metrics
detection_time = time.time() - start_time
self.performance_metrics['fraud_detection_time'] = detection_time
# Update analytics
if fraud_score > 0.7:
self.analytics_metrics['fraud_detection_rate'] = (
(self.analytics_metrics['fraud_detection_rate'] * (self.analytics_metrics['total_transactions'] - 1) + 100) /
self.analytics_metrics['total_transactions']
)
return min(max(fraud_score, 0.0), 1.0) # Ensure score is between 0-1
except Exception as e:
logger.error(f"Operation failed: {e}")
log_integration_complete(audit_ctx, error=e)
return {'ok': False, 'error': str(e)}
logger.error(f"Error calculating fraud score: {e}")
return 0.1 # Default score
async def _analyze_customer_with_financial_ai(self, customer_data: Dict[str, Any]) -> Dict[str, Any]:
"""Analyze customer with financial AI"""
start_time = time.time()
# Prepare AI request for customer analysis
ai_request = AIRequest(
request_id=f"customer_analysis_{int(time.time())}",
task_type=AITaskType.CONTENT_ANALYSIS,
model_type=AIModelType.GPT_4,
service_type=AIServiceType.OPENAI,
input_data={
'customer_data': customer_data,
'context': 'financial_customer_analysis',
'analysis_types': [
'profitability_prediction', 'churn_risk', 'product_suitability',
'risk_tolerance', 'investment_appetite', 'fraud_risk'
]
},
context={
'platform': 'finance',
'task': 'customer_analysis',
'sox_compliant': True
},
platform='finance'
)
ai_response = await self.ai_service.process_ai_request(ai_request)
if ai_response.ok and ai_response.output_data:
analysis_result = ai_response.output_data
financial_ai_suggestions = {
'profitability_score': analysis_result.get('profitability_score', 0.5),
'churn_risk_score': analysis_result.get('churn_risk_score', 0.2),
'recommended_products': analysis_result.get('recommended_products', []),
'risk_tolerance_level': analysis_result.get('risk_tolerance_level', 'moderate'),
'investment_appetite_score': analysis_result.get('investment_appetite_score', 0.5),
'customer_fraud_risk': analysis_result.get('customer_fraud_risk', 0.1),
'upsell_opportunities': analysis_result.get('upsell_opportunities', []),
'lifetime_value_prediction': analysis_result.get('lifetime_value_prediction', 10000.0)
}
else:
financial_ai_suggestions = {
'profitability_score': 0.5,
'churn_risk_score': 0.2,
'recommended_products': [],
'risk_tolerance_level': 'moderate',
'investment_appetite_score': 0.5,
'customer_fraud_risk': 0.1,
'upsell_opportunities': [],
'lifetime_value_prediction': 10000.0
}
# Update performance metrics
analysis_time = time.time() - start_time
self.performance_metrics['financial_ai_processing_time'] = analysis_time
return financial_ai_suggestions
except Exception as e:
logger.error(f"Operation failed: {e}")
log_integration_complete(audit_ctx, error=e)
return {'ok': False, 'error': str(e)}
logger.error(f"Error analyzing customer with financial AI: {e}")
return {
'profitability_score': 0.5,
'churn_risk_score': 0.2,
'recommended_products': [],
'risk_tolerance_level': 'moderate',
'investment_appetite_score': 0.5,
'customer_fraud_risk': 0.1,
'upsell_opportunities': [],
'lifetime_value_prediction': 10000.0
}
async def _setup_finance_compliance_standards(self):
"""Setup finance compliance standards"""
# Initialize compliance standards
self.compliance_standards = [
FinanceComplianceStandard.SOX,
FinanceComplianceStandard.PCI_DSS,
FinanceComplianceStandard.GLBA,
FinanceComplianceStandard.FFIEC,
FinanceComplianceStandard.GDPR,
FinanceComplianceStandard.KYC,
FinanceComplianceStandard.AML
]
# Setup encryption
self.encryption_keys = {
'data_encryption_key': os.getenv('FINANCE_ENCRYPTION_KEY', 'default_key'),
'audit_encryption_key': os.getenv('FINANCE_AUDIT_KEY', 'default_audit_key')
}
logger.info("Finance compliance standards setup completed")
except Exception as e:
logger.error(f"Operation failed: {e}")
log_integration_complete(audit_ctx, error=e)
return {'ok': False, 'error': str(e)}
logger.error(f"Error setting up finance compliance standards: {e}")
raise
async def _rule_based_credit_scoring(self, customer_data: Dict[str, Any]) -> float:
"""Fallback rule-based credit scoring"""
score = 850 # Start with perfect score
# Income factor (max -100 points)
income = customer_data.get('annual_income', 0)
if income < 30000:
score -= 100
elif income < 50000:
score -= 75
elif income < 75000:
score -= 50
elif income < 100000:
score -= 25
# Employment status (max -50 points)
employment = customer_data.get('employment_status', '').lower()
if employment == 'unemployed':
score -= 50
elif employment == 'part_time':
score -= 30
elif employment == 'self_employed':
score -= 20
# Age factor (max -30 points)
if 'date_of_birth' in customer_data:
age = (datetime.utcnow() - customer_data['date_of_birth']).days // 365
if age < 25:
score -= 30
elif age < 35:
score -= 20
elif age < 45:
score -= 10
return min(max(score, 300), 850) # Ensure score is between 300-850
except Exception as e:
logger.error(f"Operation failed: {e}")
log_integration_complete(audit_ctx, error=e)
return {'ok': False, 'error': str(e)}
logger.error(f"Error in rule-based credit scoring: {e}")
return 650
async def _rule_based_fraud_detection(self, transaction_data: Dict[str, Any]) -> float:
"""Fallback rule-based fraud detection"""
fraud_score = 0.0
# Amount anomaly (max 0.3 points)
amount = transaction_data.get('amount', 0)
if amount > 10000:
fraud_score += 0.3
elif amount > 5000:
fraud_score += 0.2
elif amount > 1000:
fraud_score += 0.1
# Time anomaly (max 0.2 points)
timestamp = transaction_data.get('timestamp', datetime.utcnow())
if timestamp.hour < 6 or timestamp.hour > 22:
fraud_score += 0.2
# Location anomaly (max 0.2 points)
location = transaction_data.get('location', {})
if not location:
fraud_score += 0.2
# Frequency anomaly (max 0.3 points)
# In production, this would check against recent transactions
if transaction_data.get('high_frequency', False):
fraud_score += 0.3
return min(max(fraud_score, 0.0), 1.0) # Ensure score is between 0-1
except Exception as e:
logger.error(f"Operation failed: {e}")
log_integration_complete(audit_ctx, error=e)
return {'ok': False, 'error': str(e)}
logger.error(f"Error in rule-based fraud detection: {e}")
return 0.1
async def _encrypt_customer_data(self, customer_data: Dict[str, Any]) -> Dict[str, Any]:
"""Encrypt customer sensitive data"""
start_time = time.time()
# In production, this would use proper encryption algorithms
encrypted_data = customer_data.copy()
# Encrypt sensitive fields
sensitive_fields = ['ssn_hash', 'first_name', 'last_name', 'address']
for field in sensitive_fields:
if field in encrypted_data:
# Simple encoding for demonstration - use proper encryption in production
encrypted_data[field] = base64.b64encode(str(encrypted_data[field]).encode()).decode()
return encrypted_data
except Exception as e:
logger.error(f"Operation failed: {e}")
log_integration_complete(audit_ctx, error=e)
return {'ok': False, 'error': str(e)}
logger.error(f"Error encrypting customer data: {e}")
return customer_data
async def _encrypt_transaction_data(self, transaction_data: Dict[str, Any]) -> Dict[str, Any]:
"""Encrypt transaction sensitive data"""
start_time = time.time()
# In production, this would use proper encryption algorithms
encrypted_data = transaction_data.copy()
# Encrypt sensitive fields
sensitive_fields = ['card_number_hash', 'ip_address', 'device_fingerprint']
for field in sensitive_fields:
if field in encrypted_data:
# Simple encoding for demonstration - use proper encryption in production
encrypted_data[field] = base64.b64encode(str(encrypted_data[field]).encode()).decode()
return encrypted_data
except Exception as e:
logger.error(f"Operation failed: {e}")
log_integration_complete(audit_ctx, error=e)
return {'ok': False, 'error': str(e)}
logger.error(f"Error encrypting transaction data: {e}")
return transaction_data
async def _log_audit_event(self, event_type: str, original_data: Dict[str, Any],
processed_data: Dict[str, Any]):
"""Log audit event for finance compliance"""
start_time = time.time()
audit_event = {
'event_id': f"audit_{int(time.time())}",
'event_type': event_type,
'timestamp': datetime.utcnow().isoformat(),
'user_id': 'atom_finance_service',
'action': 'create',
'resource_type': event_type.replace('_created', '').replace('_processed', ''),
'original_data_hash': hashlib.sha256(str(original_data).encode()).hexdigest(),
'processed_data_hash': hashlib.sha256(str(processed_data).encode()).hexdigest(),
'compliance_standards': [standard.value for standard in self.compliance_standards],
'encryption_used': True,
'access_level': 'authorized'
}
self.audit_logs.append(audit_event)
except Exception as e:
logger.error(f"Operation failed: {e}")
log_integration_complete(audit_ctx, error=e)
return {'ok': False, 'error': str(e)}
logger.error(f"Error logging audit event: {e}")
async def _perform_finance_compliance_check(self, data: Dict[str, Any]) -> Dict[str, Any]:
"""Perform finance compliance check"""
start_time = time.time()
# Check for required data elements
required_elements = ['first_name', 'last_name', 'date_of_birth', 'email']
data_present = any(element in data for element in required_elements)
# Check for proper encryption requirements
encryption_required = self.finance_config['encryption_at_rest']
# Check for audit logging requirements
audit_required = self.finance_config['audit_logging']
# Check for access control requirements
access_control_required = self.finance_config['access_control']
compliance_result = {
'passed': True,
'reason': 'Compliant with finance standards',
'data_present': data_present,
'encryption_required': encryption_required,
'audit_required': audit_required,
'access_control_required': access_control_required
}
# Update performance metrics
compliance_time = time.time() - start_time
self.performance_metrics['compliance_check_time'] = compliance_time
return compliance_result
except Exception as e:
logger.error(f"Operation failed: {e}")
log_integration_complete(audit_ctx, error=e)
return {'ok': False, 'error': str(e)}
logger.error(f"Error performing finance compliance check: {e}")
return {'passed': False, 'reason': str(e)}
async def _perform_kyc_verification(self, customer_data: Dict[str, Any]) -> Dict[str, Any]:
"""Perform KYC verification"""
start_time = time.time()
# Simple KYC verification - in production, this would integrate with KYC services
kyc_documents = customer_data.get('kyc_documents', [])
kyc_status = 'pending'
# Check if required documents are present
required_documents = ['id_proof', 'address_proof', 'income_proof']
documents_present = any(doc.get('type') in required_documents for doc in kyc_documents)
if documents_present:
kyc_status = 'verified'
else:
kyc_status = 'pending_documents'
kyc_result = {
'passed': kyc_status == 'verified',
'reason': f'KYC status: {kyc_status}',
'kyc_status': kyc_status,
'documents_present': documents_present,
'required_documents': required_documents
}
# Update performance metrics
kyc_time = time.time() - start_time
self.performance_metrics['compliance_check_time'] = kyc_time
return kyc_result
except Exception as e:
logger.error(f"Operation failed: {e}")
log_integration_complete(audit_ctx, error=e)
return {'ok': False, 'error': str(e)}
logger.error(f"Error performing KYC verification: {e}")
return {'passed': False, 'reason': str(e)}
async def _get_auth_headers(self) -> Dict[str, str]:
"""Get authentication headers for finance API"""
return {
'Authorization': f"Bearer {self.config.get('finance_api_token')}",
'Content-Type': 'application/json',
'X-SOX-Compliant': 'true',
'X-PCI-DSS-Compliant': 'true',
'X-Encryption-Key': self.encryption_keys['data_encryption_key']
}
async def get_service_status(self) -> Dict[str, Any]:
"""Get Finance Customization service status"""
return {
'service': 'finance_customization',
'status': 'active' if self.is_initialized else 'inactive',
'finance_config': {
'sox_compliance': self.finance_config['sox_compliance'],
'pci_dss_compliance': self.finance_config['pci_dss_compliance'],
'glba_compliance': self.finance_config['glba_compliance'],
'ffiec_compliance': self.finance_config['ffiec_compliance'],
'gdpr_compliance': self.finance_config['gdpr_compliance'],
'kyc_required': self.finance_config['kyc_required'],
'aml_monitoring': self.finance_config['aml_monitoring'],
'fraud_detection': self.finance_config['fraud_detection'],
'risk_assessment': self.finance_config['risk_assessment'],
'credit_scoring': self.finance_config['credit_scoring'],
'financial_ai_enabled': self.finance_config['financial_ai_enabled'],
'predictive_modeling': self.finance_config['predictive_modeling'],
'portfolio_management': self.finance_config['portfolio_management'],
'compliance_monitoring': self.finance_config['compliance_monitoring'],
'automated_reporting': self.finance_config['automated_reporting'],
'real_time_monitoring': self.finance_config['real_time_monitoring'],
'banking_core_integration': self.finance_config['banking_core_integration'],
'trading_system_integration': self.finance_config['trading_system_integration'],
'credit_bureau_integration': self.finance_config['credit_bureau_integration'],
'regulatory_reporting': self.finance_config['regulatory_reporting']
},
'compliance_standards': [standard.value for standard in self.compliance_standards],
'analytics_metrics': self.analytics_metrics,
'performance_metrics': self.performance_metrics,
'uptime': time.time() - (self._start_time if hasattr(self, '_start_time') else time.time())
}
except Exception as e:
logger.error(f"Operation failed: {e}")
log_integration_complete(audit_ctx, error=e)
logger.error(f"Error getting service status: {e}")
return {'error': str(e), 'service': 'finance_customization'}
def _initialize_banking_core_integration(self):
"""Initialize banking core integration (stub)"""
# Start audit logging
audit_ctx = log_integration_attempt("atom_finance_customization", "get_service_status", locals())
# Check circuit breaker
if not await circuit_breaker.is_enabled("atom_finance_customization"):
logger.warning(f"Circuit breaker is open for atom_finance_customization")
log_integration_complete(audit_ctx, error=Exception("Circuit breaker open"))
raise HTTPException(
status_code=503,
detail=f"Atom_finance_customization integration temporarily disabled"
)
# Check rate limiter
is_limited, remaining = await rate_limiter.is_rate_limited("atom_finance_customization")
if is_limited:
logger.warning(f"Rate limit exceeded for atom_finance_customization")
log_integration_complete(audit_ctx, error=Exception("Rate limit exceeded"))
raise HTTPException(
status_code=429,
detail=f"Rate limit exceeded for atom_finance_customization"
)
logger.info("Banking core integration not implemented")
return None
def _initialize_trading_system_integration(self):
"""Initialize trading system integration (stub)"""
logger.info("Trading system integration not implemented")
return None
def _initialize_credit_bureau_integration(self):
"""Initialize credit bureau integration (stub)"""
logger.info("Credit bureau integration not implemented")
return None
async def close(self):
"""Close Finance Customization Service"""
logger.info("Finance Customization Service closed")
except Exception as e:
logger.error(f"Operation failed: {e}")
log_integration_complete(audit_ctx, error=e)
return {'ok': False, 'error': str(e)}
logger.error(f"Error closing Finance Customization Service: {e}")
# Global Finance Customization service instance
_finance_config = {
'sox_compliance': True,
'pci_dss_compliance': True,
'glba_compliance': True,
'ffiec_compliance': True,
'gdpr_compliance': True,
'kyc_required': True,
'aml_monitoring': True,
'fraud_detection': True,
'risk_assessment': True,
'credit_scoring': True,
'financial_ai_enabled': True,
'predictive_modeling': True,
'portfolio_management': True,
'compliance_monitoring': True,
'automated_reporting': True,
'real_time_monitoring': True,
'banking_core_integration': True,
'trading_system_integration': True,
'credit_bureau_integration': True,
'regulatory_reporting': True,
'base_url': os.getenv('FINANCE_API_URL', 'https://api.finance.example.com'),
'finance_api_token': os.getenv('FINANCE_API_TOKEN', 'your-api-token'),
'database': None, # Would be actual database connection
'cache': None, # Would be actual cache client
}
# Add optional services if they were imported successfully
_security_service = globals().get('atom_enterprise_security_service')
if _security_service:
_finance_config['security_service'] = _security_service
_automation_service = globals().get('atom_workflow_automation_service')
if _automation_service:
_finance_config['automation_service'] = _automation_service
_ai_service = globals().get('ai_enhanced_service')
if _ai_service:
_finance_config['ai_service'] = _ai_service
atom_finance_customization_service = AtomFinanceCustomizationService(_finance_config)
# Start audit logging
audit_ctx = log_integration_attempt("atom_finance_customization", "close", locals())
# Check circuit breaker
if not await circuit_breaker.is_enabled("atom_finance_customization"):
logger.warning(f"Circuit breaker is open for atom_finance_customization")
log_integration_complete(audit_ctx, error=Exception("Circuit breaker open"))
raise HTTPException(
status_code=503,
detail=f"Atom_finance_customization integration temporarily disabled"
)
# Check rate limiter
is_limited, remaining = await rate_limiter.is_rate_limited("atom_finance_customization")
if is_limited:
logger.warning(f"Rate limit exceeded for atom_finance_customization")
log_integration_complete(audit_ctx, error=Exception("Rate limit exceeded"))
raise HTTPException(
status_code=429,
detail=f"Rate limit exceeded for atom_finance_customization"
) |