Merge pull request #22 from getyoti/AML

[SDK-250]: AML Requests

README.md

@@ -25,6 +25,9 @@ Entry point explanation
 1) [Handling Users](#handling-users) -
 How to manage users
 
+1) [AML Integration](#aml-integration) -
+How to integrate with Yoti's AML (Anti Money Laundering) service
+
 1) [Running the examples](#running-the-examples) -
 How to retrieve a Yoti profile using the token
 
@@ -128,6 +131,63 @@ gender = user_profile.get('gender')
 nationality = user_profile.get('nationality')
 ```
 
+## AML Integration
+
+Yoti provides an AML (Anti Money Laundering) check service to allow a deeper KYC process to prevent fraud. This is a chargeable service, so please contact [[email protected]](mailto:[email protected]) for more information.
+
+Yoti will provide a boolean result on the following checks:
+
+* PEP list - Verify against Politically Exposed Persons list
+* Fraud list - Verify against  US Social Security Administration Fraud (SSN Fraud) list
+* Watch list - Verify against watch lists from the Office of Foreign Assets Control
+
+To use this functionality you must ensure your application is assigned to your Organisation in the Yoti Dashboard - please see here for further information.
+
+For the AML check you will need to provide the following:
+
+* Data provided by Yoti (please ensure you have selected the Given name(s) and Family name attributes from the Data tab in the Yoti Dashboard)
+  * Given name(s)
+  * Family name
+* Data that must be collected from the user:
+  * Country of residence (must be an ISO 3166 3-letter code)
+  * Social Security Number (US citizens only)
+  * Postcode/Zip code (US citizens only)
+
+### Consent
+
+Performing an AML check on a person *requires* their consent.
+**You must ensure you have user consent *before* using this service.**
+
+### Code Example
+
+Given a YotiClient initialised with your SDK ID and KeyPair (see [Client Initialisation](#client-initialisation)) performing an AML check is a straightforward case of providing basic profile data.
+
+```python
+from yoti_python_sdk import aml
+from yoti_python_sdk import Client
+
+client = Client(YOTI_CLIENT_SDK_ID, YOTI_KEY_FILE_PATH)
+given_names = "Edward Richard George"
+family_name = "Heath"
+
+aml_address = aml.AmlAddress(country="GBR")
+aml_profile = aml.AmlProfile(
+    given_names,
+    family_name,
+    aml_address
+)
+
+
+aml_result = client.perform_aml_check(aml_profile)
+
+print("AML Result for {1} {2}:", given_names, family_name)
+print("On PEP list: " + str(aml_result.on_pep_list))
+print("On fraud list: " + str(aml_result.on_fraud_list))
+print("On watchlist: " + str(aml_result.on_watch_list))
+```
+
+Additionally an [example AML application](/examples/aml/app.py) is provided in the examples folder.
+
 ## Running the Examples
 
 The callback URL for both example projects will be `http://localhost:5000/yoti/auth/`
@@ -166,6 +226,12 @@ Both example applications utilise the env variables described in [Configuration]
 1. Run: `python manage.py runserver 0.0.0.0:5000`
 1. Navigate to http://localhost:5000
 
+#### AML Example
+
+1. Change directories to the AML folder: `cd examples/aml`
+1. Install requirements with `pip install -r requirements.txt`
+1. Run: `python app.py`
+
 ### Plugins ###
 
 Plugins for both Django and Flask are in the `plugins/` dir. Their purpose is to make it as easy as possible to use the Yoti SDK with those frameworks. See the [Django](/plugins/django_yoti/README.md) and [Flask](/plugins/flask_yoti/README.md) README files for further details.

examples/aml/.env.example

@@ -0,0 +1,2 @@
+YOTI_CLIENT_SDK_ID=yourClientSdkId
+YOTI_KEY_FILE_PATH=yourKeyFilePath

examples/aml/app.py

@@ -0,0 +1,43 @@
+import sys
+from os import environ
+from os.path import join, dirname
+
+from dotenv import load_dotenv
+
+from yoti_python_sdk import Client
+from yoti_python_sdk import aml
+
+dotenv_path = join(dirname(__file__), '.env')
+load_dotenv(dotenv_path)
+
+YOTI_CLIENT_SDK_ID = environ.get('YOTI_CLIENT_SDK_ID')
+YOTI_KEY_FILE_PATH = environ.get('YOTI_KEY_FILE_PATH')
+
+
+# The following exits cleanly on Ctrl-C,
+# while treating other exceptions as before.
+def cli_exception(exception_type, value, tb):
+    if not issubclass(exception_type, KeyboardInterrupt):
+        sys.__excepthook__(exception_type, value, tb)
+
+
+given_names = "Edward Richard George"
+family_name = "Heath"
+
+aml_address = aml.AmlAddress(country="GBR")
+aml_profile = aml.AmlProfile(
+    given_names,
+    family_name,
+    aml_address
+)
+
+if sys.stdin.isatty():
+    sys.excepthook = cli_exception
+
+client = Client(YOTI_CLIENT_SDK_ID, YOTI_KEY_FILE_PATH)
+
+aml_result = client.perform_aml_check(aml_profile)
+print("AML Result for {0} {1}:".format(given_names, family_name))
+print("On PEP list: " + str(aml_result.on_pep_list))
+print("On fraud list: " + str(aml_result.on_fraud_list))
+print("On watchlist: " + str(aml_result.on_watch_list))

examples/aml/requirements.txt

@@ -0,0 +1,2 @@
+yoti
+python-dotenv>=0.7.1

setup.py

@@ -1,7 +1,7 @@
 # -*- coding: utf-8 -*-
 from setuptools import setup, find_packages
 
-VERSION = '2.0.4'
+VERSION = '2.1.0'
 long_description = 'This package contains the tools you need to quickly ' \
                    'integrate your Python back-end with Yoti, so that your ' \
                    'users can share their identity details with your ' \

yoti_python_sdk/aml.py

@@ -0,0 +1,45 @@
+import json
+
+
+class AmlResult:
+    def __init__(self, response_text):
+        if not response_text:
+            raise ValueError("AML Response is not valid")
+
+        try:
+            self.on_pep_list = json.loads(response_text).get('on_pep_list')
+            self.on_fraud_list = json.loads(response_text).get('on_fraud_list')
+            self.on_watch_list = json.loads(response_text).get('on_watch_list')
+
+        except (AttributeError, IOError, TypeError, OSError) as exc:
+            error = 'Could not parse AML result from response: "{0}"'.format(response_text)
+            exception = '{0}: {1}'.format(type(exc).__name__, exc)
+            raise RuntimeError('{0}: {1}'.format(error, exception))
+
+        self.__check_for_none_values(self.on_pep_list)
+        self.__check_for_none_values(self.on_fraud_list)
+        self.__check_for_none_values(self.on_watch_list)
+
+    @staticmethod
+    def __check_for_none_values(arg):
+        if arg is None:
+            raise TypeError(str.format("{0} argument was unable to be retrieved from the response", arg))
+
+    def __iter__(self):
+        yield 'on_pep_list', self.on_pep_list
+        yield 'on_fraud_list', self.on_fraud_list
+        yield 'on_watch_list', self.on_watch_list
+
+
+class AmlAddress:
+    def __init__(self, country, postcode=None):
+        self.country = country
+        self.post_code = postcode
+
+
+class AmlProfile:
+    def __init__(self, given_names, family_name, address, ssn=None):
+        self.given_names = given_names
+        self.family_name = family_name
+        self.address = address.__dict__
+        self.ssn = ssn

yoti_python_sdk/client.py

@@ -2,23 +2,25 @@
 from __future__ import unicode_literals
 
 import json
-import time
-import uuid
 from os import environ
 from os.path import isfile, expanduser
 
 import requests
+from cryptography.fernet import base64
 from past.builtins import basestring
 
 import yoti_python_sdk
-from .config import SDK_IDENTIFIER
+from yoti_python_sdk import aml
 from yoti_python_sdk.activity_details import ActivityDetails
 from yoti_python_sdk.crypto import Crypto
+from yoti_python_sdk.endpoint import Endpoint
 from yoti_python_sdk.protobuf.v1 import protobuf
+from .config import SDK_IDENTIFIER
 
 NO_KEY_FILE_SPECIFIED_ERROR = 'Please specify the correct private key file ' \
                               'in Client(pem_file_path=...)\nor by setting ' \
                               'the "YOTI_KEY_FILE_PATH" environment variable'
+HTTP_SUPPORTED_METHODS = ['POST', 'PUT', 'PATCH', 'GET', 'DELETE']
 
 
 class Client(object):
@@ -36,6 +38,7 @@ def __init__(self, sdk_id=None, pem_file_path=None):
             raise RuntimeError(NO_KEY_FILE_SPECIFIED_ERROR)
 
         self.__crypto = Crypto(pem)
+        self.__endpoint = Endpoint(sdk_id)
 
     @staticmethod
     def __read_pem_file(key_file_path, error_source):
@@ -52,7 +55,9 @@ def __read_pem_file(key_file_path, error_source):
             raise RuntimeError('{0}: {1}'.format(error, exception))
 
     def get_activity_details(self, encrypted_request_token):
-        response = self.__make_request(encrypted_request_token)
+        http_method = 'GET'
+        content = None
+        response = self.__make_activity_details_request(encrypted_request_token, http_method, content)
         receipt = json.loads(response.text).get('receipt')
 
         encrypted_data = protobuf.Protobuf().current_user(receipt)
@@ -69,31 +74,64 @@ def get_activity_details(self, encrypted_request_token):
         attribute_list = protobuf.Protobuf().attribute_list(decrypted_data)
         return ActivityDetails(receipt, attribute_list)
 
-    def __make_request(self, encrypted_request_token):
-        path = self.__get_request_path(encrypted_request_token)
+    def perform_aml_check(self, aml_profile):
+        if aml_profile is None:
+            raise TypeError("aml_profile not set")
+
+        http_method = 'POST'
+
+        response = self.__make_aml_check_request(http_method, aml_profile)
+
+        return aml.AmlResult(response.text)
+
+    def __make_activity_details_request(self, encrypted_request_token, http_method, content):
+        decrypted_token = self.__crypto.decrypt_token(encrypted_request_token).decode('utf-8')
+        path = self.__endpoint.get_activity_details_request_path(decrypted_token)
         url = yoti_python_sdk.YOTI_API_ENDPOINT + path
-        headers = self.__get_request_headers(path)
+        headers = self.__get_request_headers(path, http_method, content)
         response = requests.get(url=url, headers=headers)
 
         if not response.status_code == 200:
             raise RuntimeError('Unsuccessful Yoti API call: {0}'.format(response.text))
 
         return response
 
-    def __get_request_path(self, encrypted_request_token):
-        token = self.__crypto.decrypt_token(encrypted_request_token).decode('utf-8')
-        nonce = uuid.uuid4()
-        timestamp = int(time.time() * 1000)
+    def __make_aml_check_request(self, http_method, aml_profile):
+        aml_profile_json = json.dumps(aml_profile.__dict__)
+        aml_profile_bytes = aml_profile_json.encode()
+        path = self.__endpoint.get_aml_request_url()
+        url = yoti_python_sdk.YOTI_API_ENDPOINT + path
+        headers = self.__get_request_headers(path, http_method, aml_profile_bytes)
 
-        return '/profile/{0}?nonce={1}&timestamp={2}&appId={3}'.format(
-            token, nonce, timestamp, self.sdk_id
-        )
+        response = requests.post(url=url, headers=headers, data=aml_profile_bytes)
+
+        if not response.status_code == 200:
+            raise RuntimeError('Unsuccessful Yoti API call: {0}'.format(response.text))
+
+        return response
+
+    def __get_request_headers(self, path, http_method, content):
+        request = self.__create_request(http_method, path, content)
 
-    def __get_request_headers(self, path):
         return {
             'X-Yoti-Auth-Key': self.__crypto.get_public_key(),
-            'X-Yoti-Auth-Digest': self.__crypto.sign('GET&' + path),
+            'X-Yoti-Auth-Digest': self.__crypto.sign(request),
             'X-Yoti-SDK': SDK_IDENTIFIER,
             'Content-Type': 'application/json',
             'Accept': 'application/json'
         }
+
+    @staticmethod
+    def __create_request(http_method, path, content):
+        if http_method not in HTTP_SUPPORTED_METHODS:
+            raise ValueError(
+                "{} is not in the list of supported methods: {}".format(http_method, HTTP_SUPPORTED_METHODS))
+
+        request = "{}&{}".format(http_method, path)
+
+        if content is not None:
+            b64encoded = base64.b64encode(content)
+            b64ascii = b64encoded.decode('ascii')
+            request += "&" + b64ascii
+
+        return request

yoti_python_sdk/endpoint.py

@@ -0,0 +1,29 @@
+import time
+import uuid
+
+
+class Endpoint(object):
+    def __init__(self, sdk_id):
+        self.sdk_id = sdk_id
+
+    def get_activity_details_request_path(self, decrypted_request_token):
+        return '/profile/{0}?nonce={1}&timestamp={2}&appId={3}'.format(
+            decrypted_request_token,
+            self.__create_nonce(),
+            self.__create_timestamp(),
+            self.sdk_id
+        )
+
+    def get_aml_request_url(self):
+        return '/aml-check?appId={0}&timestamp={1}&nonce={2}'.format(
+            self.sdk_id,
+            self.__create_timestamp(),
+            self.__create_nonce())
+
+    @staticmethod
+    def __create_nonce():
+        return uuid.uuid4()
+
+    @staticmethod
+    def __create_timestamp():
+        return int(time.time() * 1000)

yoti_python_sdk/tests/conftest.py

@@ -10,7 +10,8 @@
 PEM_FILE_PATH = join(FIXTURES_DIR, 'sdk-test.pem')
 ENCRYPTED_TOKEN_FILE_PATH = join(FIXTURES_DIR, 'encrypted_yoti_token.txt')
 AUTH_KEY_FILE_PATH = join(FIXTURES_DIR, 'auth_key.txt')
-AUTH_DIGEST_FILE_PATH = join(FIXTURES_DIR, 'auth_digest.txt')
+AUTH_DIGEST_GET_FILE_PATH = join(FIXTURES_DIR, 'auth_digest_get.txt')
+AUTH_DIGEST_POST_FILE_PATH = join(FIXTURES_DIR, 'auth_digest_post.txt')
 
 YOTI_CLIENT_SDK_ID = '737204aa-d54e-49a4-8bde-26ddbe6d880c'
 
@@ -45,6 +46,12 @@ def x_yoti_auth_key():
 
 
 @pytest.fixture(scope='module')
-def x_yoti_auth_digest():
-    with open(AUTH_DIGEST_FILE_PATH, 'r') as auth_digest_file:
+def x_yoti_auth_digest_get():
+    with open(AUTH_DIGEST_GET_FILE_PATH, 'r') as auth_digest_file:
+        return auth_digest_file.read()
+
+
+@pytest.fixture(scope='module')
+def x_yoti_auth_digest_post():
+    with open(AUTH_DIGEST_POST_FILE_PATH, 'r') as auth_digest_file:
         return auth_digest_file.read()

yoti_python_sdk/tests/fixtures/aml_response.txt

@@ -0,0 +1 @@
+{"on_fraud_list":false,"on_pep_list":true,"on_watch_list":false}

yoti_python_sdk/tests/fixtures/auth_digest_post.txt

@@ -0,0 +1 @@
+NDem1ujFPEEb4cP/YWp6oGm7KFTVaxyWxLmRSNNH1hJhw3JejHwGKThlWPFdvtmsJuDVxvqTI4zbiNKlo9x9QKlNim0nUO6CFrH/PlwjJ3TAYE0c6BGoZOMp1LyAshl3QSVlNHC6/QuyyJIVJcekoH3Z3UkU8KYUB7xw+WR+OmQFO/U4JqjcqWDArPZtI5EwzFJBGpd3/7OJjpEbDHnAfU44p3yTnB9ySaxbsJ3V7zzBEMHt+b4NOEbKxboTt7hfz5N5wPRHLg2cg6gAFCq1Z7OhHsGdfmwgIqGG5Pmx6qlbBFhR7boRygK0HGDtkm25tbdLEJ9fiX40DFgbWzQF9g==

yoti_python_sdk/tests/mocks.py

@@ -13,6 +13,16 @@ def mocked_requests_get(*args, **kwargs):
     return MockResponse(status_code=200, text=response)
 
 
+def mocked_requests_post_aml_profile(*args, **kwargs):
+    with open('yoti_python_sdk/tests/fixtures/aml_response.txt', 'r') as f:
+        response = f.read()
+    return MockResponse(status_code=200, text=response)
+
+
+def mocked_requests_post_aml_profile_not_found(*args, **kwargs):
+    return MockResponse(status_code=404, text="Not Found")
+
+
 def mocked_requests_get_null_profile(*args, **kwargs):
     with open('yoti_python_sdk/tests/fixtures/response_null_profile.txt', 'r') as f:
         response = f.read()