Transaction rules engine V1 (#1900)

* Domain model sketch

* Scaffold out rules domain

* Migrations

* Remove existing data enrichment for clean slate

* Sketch out business logic and basic tests

* Simplify rule scope building and action executions

* Get generator working again

* Basic implementation + tests

* Remove manual merchant management (rules will replace)

* Revert "Remove manual merchant management (rules will replace)"

This reverts commit 83dcbd9ff0.

* Family and Provider merchants model

* Fix brakeman warnings

* Fix notification loader

* Update notification position

* Add Rule action and condition registries

* Rule form with compound conditions and tests

* Split out notification types, add CTA type

* Rules form builder and Stimulus controller

* Clean up rule registry domain

* Clean up rules stimulus controller

* CTA message for rule when user changes transaction category

* Fix tests

* Lint updates

* Centralize notifications in Notifiable concern

* Implement category rule prompts with auto backoff and option to disable

* Fix layout bug caused by merge conflict

* Initialize rule with correct action for category CTA

* Add rule deletions, get rules working

* Complete dynamic rule form, split Stimulus controllers by resource

* Fix failing tests

* Change test password to avoid chromium conflicts

* Update integration tests

* Centralize all test password references

* Add re-apply rule action

* Rule confirm modal

* Run migrations

* Trigger rule notification after inline category updates

* Clean up rule styles

* Basic attribute locking for rules

* Apply attribute locks on user edits

* Log data enrichments, only apply rules to unlocked attributes

* Fix merge errors

* Additional merge conflict fixes

* Form UI improvements, ignore attribute locks on manual rule application

* Batch AI auto-categorization of transactions

* Auto merchant detection, ai enrichment in batches

* Fix Plaid merchant assignments

* Plaid category matching

* Cleanup 1

* Test cleanup

* Remove stale route

* Fix desktop chat UI issues

* Fix mobile nav styling issues

app/models/plaid_account.rb

@@ -83,13 +83,14 @@ class PlaidAccount < ApplicationRecord
   def sync_transactions!(added:, modified:, removed:)
     added.each do |plaid_txn|
       account.entries.find_or_create_by!(plaid_id: plaid_txn.transaction_id) do |t|
-        t.name = plaid_txn.name
+        t.name = plaid_txn.merchant_name || plaid_txn.original_description
         t.amount = plaid_txn.amount
         t.currency = plaid_txn.iso_currency_code
         t.date = plaid_txn.date
         t.entryable = Transaction.new(
-          category: get_category(plaid_txn.personal_finance_category.primary),
-          merchant: get_merchant(plaid_txn.merchant_name)
+          plaid_category: plaid_txn.personal_finance_category.primary,
+          plaid_category_detailed: plaid_txn.personal_finance_category.detailed,
+          merchant: find_or_create_merchant(plaid_txn)
         )
       end
     end
@@ -99,7 +100,12 @@ class PlaidAccount < ApplicationRecord
 
       existing_txn.update!(
         amount: plaid_txn.amount,
-        date: plaid_txn.date
+        date: plaid_txn.date,
+        entryable_attributes: {
+          plaid_category: plaid_txn.personal_finance_category.primary,
+          plaid_category_detailed: plaid_txn.personal_finance_category.detailed,
+          merchant: find_or_create_merchant(plaid_txn)
+        }
       )
     end
 
@@ -125,19 +131,19 @@ class PlaidAccount < ApplicationRecord
       end
     end
 
-    # See https://plaid.com/documents/transactions-personal-finance-category-taxonomy.csv
-    def get_category(plaid_category)
-      ignored_categories = [ "BANK_FEES", "TRANSFER_IN", "TRANSFER_OUT", "LOAN_PAYMENTS", "OTHER" ]
+    def find_or_create_merchant(plaid_txn)
+      unless plaid_txn.merchant_entity_id.present? && plaid_txn.merchant_name.present?
+        return nil
+      end
 
-      return nil if ignored_categories.include?(plaid_category)
-
-      family.categories.find_or_create_by!(name: plaid_category.titleize)
-    end
-
-    def get_merchant(plaid_merchant_name)
-      return nil if plaid_merchant_name.blank?
-
-      family.merchants.find_or_create_by!(name: plaid_merchant_name)
+      ProviderMerchant.find_or_create_by!(
+        source: "plaid",
+        name: plaid_txn.merchant_name,
+      ) do |m|
+        m.provider_merchant_id = plaid_txn.merchant_entity_id
+        m.website_url = plaid_txn.website
+        m.logo_url = plaid_txn.logo_url
+      end
     end
 
     def derive_plaid_cash_balance(plaid_balances)