BVN Verification

// Enhanced verification for loan applications
const verifyLoanApplicant = async (loanApplication) => {
  const verification = await payvessel.verification.bvn({
    bvn: loanApplication.bvn,
    first_name: loanApplication.first_name,
    last_name: loanApplication.last_name,
    date_of_birth: loanApplication.date_of_birth,
    reference: `LOAN_${loanApplication.id}_${Date.now()}`,
    metadata: {
      loan_application_id: loanApplication.id,
      loan_amount: loanApplication.amount,
      verification_type: 'loan_application'
    }
  });
  
  const result = verification.data;
  
  // Check for watch list status
  if (result.watch_listed) {
    await rejectLoanApplication(loanApplication.id, 'Applicant on watch list');
    return { status: 'rejected', reason: 'watch_list' };
  }
  
  // Store verified customer data
  await updateCustomerProfile(loanApplication.customer_id, {
    bvn_verified: true,
    full_name: result.full_name,
    date_of_birth: result.date_of_birth,
    address: result.residential_address,
    verification_score: result.match_results.overall_match_score
  });
  
  return { status: 'verified', data: result };
};

// BVN verification for suspicious transactions
const verifyHighValueTransaction = async (transaction) => {
  if (transaction.amount > 1000000) { // > ₦10,000
    const customer = await getCustomer(transaction.customer_id);
    
    if (!customer.bvn_verified) {
      const verification = await payvessel.verification.bvn({
        bvn: customer.bvn,
        first_name: customer.first_name,
        last_name: customer.last_name,
        reference: `TXN_VER_${transaction.id}`,
        metadata: {
          transaction_id: transaction.id,
          transaction_amount: transaction.amount,
          verification_trigger: 'high_value_transaction'
        }
      });
      
      if (verification.data.verification_status !== 'verified') {
        await flagTransaction(transaction.id, 'BVN verification failed');
        await pauseTransaction(transaction.id);
        return false;
      }
      
      await markCustomerAsVerified(customer.id);
    }
  }
  
  return true;
};

// Verify multiple BVNs for compliance
const batchVerifyCustomers = async (customers) => {
  const results = [];
  const batchSize = 10; // Process in batches to respect rate limits
  
  for (let i = 0; i < customers.length; i += batchSize) {
    const batch = customers.slice(i, i + batchSize);
    const batchPromises = batch.map(async (customer) => {
      try {
        const verification = await payvessel.verification.bvn({
          bvn: customer.bvn,
          first_name: customer.first_name,
          last_name: customer.last_name,
          reference: `BATCH_${customer.id}_${Date.now()}`,
          metadata: {
            customer_id: customer.id,
            batch_verification: true
          }
        });
        
        return {
          customer_id: customer.id,
          status: 'success',
          verification: verification.data
        };
      } catch (error) {
        return {
          customer_id: customer.id,
          status: 'error',
          error: error.message
        };
      }
    });
    
    const batchResults = await Promise.all(batchPromises);
    results.push(...batchResults);
    
    // Rate limiting delay between batches
    if (i + batchSize < customers.length) {
      await new Promise(resolve => setTimeout(resolve, 2000));
    }
  }
  
  return results;
};