Code pilot backend impl 20260415 124505 - #35
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…rve) - Add ratesService.js: fetches BOI average mortgage rates via their public API, parses track data (fixed/קלצ, CPI/צמוד, prime/פריים, variable/משתנה), stores in Firestore `mortgage_rates` collection with 1-hour in-memory cache - Add ratesController.js + routes/rates.js: public GET /api/v1/public/rates/latest endpoint with rate limiting (30 req/15min/IP) - Add node-cron daily job (02:00 IST) to refresh rates automatically - Add comprehensive test suite for ratesService - Update collections.js with MORTGAGE_RATES collection + document factory - Update firestore.indexes.json with date DESC index - Update initCollections.js with mortgage_rates sentinel - Update .env.example with BOI_API_BASE_URL config
…neration - Add wizardService with 4 portfolio scenarios (Market Standard, Fast Track, Inflation-Proof, Stability-First) using BOI rates + OpenAI - Add wizardController with proper error handling and response formatting - Add wizard routes with 5 req/min/IP rate limiting - Add Joi validation schema for wizard inputs (6 wizard steps) - Add comprehensive unit tests for wizardService and integration tests - Register public wizard route in index.js
… logic - Add portfolioEngine.js with advanced scoring, user profile analysis, and adaptive track allocation based on LTV, income ratio, future funds, and stability preference - Enhance wizardService.js with richer conditional logic for all 4 scenarios: Market Standard (always), Fast Track (always), Inflation-Proof (conditional), Stability-First (conditional on stabilityPreference >= 7) - Add user profile analysis (risk tolerance, affordability, LTV classification) - Add portfolio fitness scoring to rank and recommend best-fit portfolio - Add comprehensive unit tests for conditional logic and portfolio generation - Improve AI prompt with full user context for better portfolio generation
… and winning bank/branch offers - Add communityService.js with SHA-256 profile hashing, binned field matching, winning bank/branch identification, and community tips generation - Add community_profiles Firestore collection with document factory and validator - Integrate community tips into wizard submit endpoint response - Add compound Firestore indexes for efficient community profile queries - Add comprehensive test suite for communityService - Update initCollections script with community_profiles sentinel document
…rs to optimized models - Add reportService.js: compares OCR-extracted bank offers to user's selected portfolio, generates AI-powered enhanced reports with mortgage tricks, Hebrew negotiation scripts, and strategic insights - Add paidAccess middleware: checks user's paidAnalyses flag before allowing enhanced analysis - Add POST /api/v1/analysis/enhanced/:offerId endpoint (auth + paid required) - Add Joi validation for enhanced analysis request body - Add comprehensive test suite for reportService - Update analysisController with getEnhancedAnalysis handler - Update analysis routes with new enhanced endpoint
- Add paymentService.js with Stripe checkout session creation and webhook handling - Add paymentController.js with HTTP handlers for checkout and webhook endpoints - Add stripe routes: POST /api/v1/stripe/checkout (auth) and POST /api/v1/stripe/webhook (Stripe sig) - Add paymentValidator.js with Joi schemas for checkout request validation - Add comprehensive test suite for paymentService - Update index.js to register Stripe routes with raw body parsing for webhook - Add stripe@^17.4.0 dependency to package.json - Add STRIPE_SECRET_KEY, STRIPE_WEBHOOK_SECRET, STRIPE_PRICE_ID env vars to .env.example - Webhook sets paidAnalyses=true on user doc upon successful checkout.session.completed - SCA-compliant via Stripe Checkout Sessions (hosted payment page)
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