File Coverage

blib/lib/Finance/Bank/CreditMut.pm

Criterion	Covered	Total	%
statement	17	88	19.3
branch	0	16	0.0
condition	0	19	0.0
subroutine	6	19	31.5
pod	1	1	100.0
total	24	143	16.7

package Finance::Bank::CreditMut;
use 5.010;
use strict;
use Carp qw(carp croak);
use WWW::Mechanize;
use HTML::TableExtract;
use vars qw($VERSION);

$VERSION = 0.13;

=pod

=head1 NAME

Finance::Bank::CreditMut -  Check your Crédit Mutuel accounts from Perl

=head1 SYNOPSIS

 use Finance::Bank::CreditMut;

 my @accounts = Finance::Bank::CreditMut->check_balance(
    username => "$username",  # Be sure to put the numbers
    password => "$password",  # between quote.
 );

 foreach my $account ( @accounts ){
    local $\ = "\n";
    print "       Name ", $account->name;
    print " Account_no ", $account->account_no;
    print "  Statement\n";

    foreach my $statement ( $account->statements ){
        print $statement->as_string;
    }
 }

=head1 DESCRIPTION

This module provides a rudimentary interface to the CyberMut online banking
system at L. You will need either
Crypt::SSLeay or IO::Socket::SSL installed for HTTPS support to work with
LWP.

The interface of this module is directly taken from Briac Pilpré's
Finance::Bank::BNPParibas.

=head1 WARNING

This is code for B, and that means B, and that
means B. You are encouraged, nay, expected, to audit the source
of this module yourself to reassure yourself that I am not doing anything
untoward with your banking data. This software is useful to me, but is
provided under B, explicit or implied.

=head1 METHODS

=head2 check_balance( username => $username, password => $password, ua => $ua )

Return a list of account (F::B::CM::Account) objects, one for each of your
bank accounts. You can provide to this method a WWW::Mechanize object as
third argument. If not, a new one will be created.

=cut

sub check_balance {
    my ( $class, %opts ) = @_;
    croak "Must provide a password" unless exists $opts{password};
    croak "Must provide a username" unless exists $opts{username};

    my @accounts;

    $opts{ua} ||= WWW::Mechanize->new(
        agent      => __PACKAGE__ . "/$VERSION ($^O)",
        cookie_jar => {},
    );

    my $self = bless {%opts}, $class;

    my $orig_r;
    my $count = 0;
    {
        $orig_r = $self->{ua}->get("https://www.creditmutuel.fr/");
        # loop detected, try again
        ++$count;
        redo unless $orig_r->content || $count > 13;
    }
    croak $orig_r->error_as_HTML if $orig_r->is_error;

    {
        local $^W;  # both fields_are read-only
        my $click_r = $self->{ua}->submit_form(
            form_number => 1,
            fields      => {
                _cm_user => $self->{username},
                _cm_pwd  => $self->{password},
            }
        );
        croak $click_r->error_as_HTML if $click_r->is_error;
    }

    my $r = $self->{ua}->follow_link(url_regex => qr/comptes-et-contrats\.html/);
    croak $r->error_as_HTML if $r->is_error;

    # The current page contains a table displaying the accounts and their
    # balances.

    my $te = new HTML::TableExtract(headers => [
        q{Contrat},
        q{D.bit},
        q{Cr.dit},
    ]);
    $te->parse($self->{ua}->content());
    for my $ts ( $te->table_states() ) {
        foreach ( $ts->rows() ) {
            # The name actually also contains the account number.
            # Finance::Bank::CreditMutuel::Account::new will take care of
            # splitting.
            my ($name, $dept, $asset) = @$_;
            (my $short_name = $name) =~ s/   .*//;
            for ($name, $dept, $asset) {
                s/^\s+|\s+$//g; # remove leading and trailing whitespace
                s/\s+/ /g; # collapse all whitespace to one single blank
            }
            my $link = $self->{ua}->find_link(text_regex => qr/$short_name/);

            # we only care about accounts that are displayed with
            # 'mouvements.html' (mortgages use another page that does not
            # provide CSV downloads. Maybe a future version will handle
            # this)
            next unless $link && $link->[0] =~ /mouvements\.html/;
            for ($dept, $asset) {
                tr/,/./;
                tr/-+.A-Z0-9//cd;
            }
            # Negative and positive balances are displayed in different
            # columns: take either one and split the currency code at the
            # same time.
            my ($balance,$currency) = $dept || $asset =~ /(.*?)([A-Z]+)$/;
            $balance += 0; # turn string into a number
            push @accounts, Finance::Bank::CreditMut::Account->new(
                $name,
                $currency,
                $balance,
                $self->{ua},
		$link->[0],
            );
        }
    }
    @accounts;
}

package Finance::Bank::CreditMut::Account;

=pod

=head1 Account methods

=head2 sort_code()

Return the sort code of the account. Currently, it returns an undefined
value.

=head2 name()

Returns the human-readable name of the account.

=head2 account_no()

Return the account number, in the form C, where X and Y are
numbers.

=head2 balance()

Returns the balance of the account.

=head2 statements()

Return a list of Statement object (Finance::Bank::CreditMut::Statement).

=head2 currency()

Returns the currency of the account as a three letter ISO code (EUR, CHF,
etc.)

=cut

sub new {
    my $class = shift;
    my ($name, $currency, $balance, $ua, $url) = @_;
    $name =~ /(.*?)\s+(\d+.\d+(?:.\d+)?)/ or warn "!!";
    ($name, my $account_no) = ($1, $2);
    $account_no =~ s/\D/ /g; # remove non-breaking space.
    $account_no =~ s/^\d+.//; # remove leading agency number

    bless {
        name       => $name,
        account_no => $account_no,
        sort_code  => undef,
        date       => undef,
        balance    => $balance,
        currency   => $currency,
        ua         => $ua,
        url        => $url,
    }, $class;
}

sub sort_code  { undef }
sub name       { $_[0]->{name} }
sub account_no { $_[0]->{account_no} }
sub balance    { $_[0]->{balance} }
sub currency    { $_[0]->{currency} }
sub statements {

    my $self = shift;

    @{
        $self->{statements} ||= do {
            $self->{ua}->get($self->{url});
            $self->{ua}->follow_link(text_regex => qr/XP/);
            chomp(my @content = split /\015\012/, $self->{ua}->content());
            shift @content;
            [map Finance::Bank::CreditMut::Statement->new($_), @content];
        };
    };
}

package Finance::Bank::CreditMut::Statement;

=pod

=head1 Statement methods

=head2 date()

Returns the date when the statement occured, in DD/MM/YY format.

=head2 description()

Returns a brief description of the statement.

=head2 amount()

Returns the amount of the statement (expressed in Euros or the account's
currency). Although the Crédit Mutuel website displays number in continental
format (i.e. with a coma as decimal separator), amount() returns a real
number.

=head2 as_string($separator)

Returns a tab-delimited representation of the statement. By default, it uses
a tabulation to separate the fields, but the user can provide its own
separator.

=cut

sub new {
    my $class     = shift;
    my $statement = shift;

    my ($date, undef, $withdrawal, $deposit, $comment) = split /;/, $statement;

    $date =~ s/\d\d(\d\d)$/$1/; # year on 2 digits only
    # negative number are displayed in a separate column. Move them to the same
    # one as positive numbers.
    my $amount = $withdrawal || $deposit || 0;
    $amount =~ s/,/./;
    $amount =~ tr/'//d; # remove thousand separators
    $amount += 0; # turn into a number

    bless [ $date, $comment, $amount ], $class;
}

sub date        { $_[0]->[0] }
sub description { $_[0]->[1] }
sub amount      { $_[0]->[2] }

sub as_string { join ( $_[1] || "\t", @{ $_[0] } ) }

1;

__END__