Add Scores S4 review handling

block.py

@@ -15,7 +15,8 @@ def __main__(
         hd_score_s2: float,
         hd_score_s3: float,
         hd_score_iso_m2: float,
-        hd_score_g2: float
+        hd_score_g2: float,
+        hd_score_s4: float = 0
     ) -> dict:
 
     data = {
@@ -25,7 +26,8 @@ def __main__(
         "hd_score_s2": hd_score_s2,
         "hd_score_s3": hd_score_s3,
         "hd_score_iso_m2": hd_score_iso_m2,
-        "hd_score_g2": hd_score_g2
+        "hd_score_g2": hd_score_g2,
+        "hd_score_s4": hd_score_s4
     }
 
     final = processing(data)

request_schema.json

@@ -26,6 +26,10 @@
       "type": ["number", "null"],
       "description": "HD Fraud Score S3"
     },
+    "hd_score_s4": {
+      "type": ["number", "null"],
+      "description": "HD Fraud Score S4"
+    },
     "hd_score_iso_m2": {
       "type": ["number", "null"],
       "description": "HD Fraud Score M2"

score_processing.py

@@ -11,6 +11,7 @@ logger = logging.getLogger(__name__)
 def processing(data: dict) -> dict:
     score_threshold = 1200
     score_threshold2 = 1225
+    review_threshold = 1191
 
     # ---- Compute hd_score based on hierarchy ----
     try:
@@ -49,7 +50,14 @@ def processing(data: dict) -> dict:
                 data.get("hd_score_iso_m2", 0),
                 data.get("hd_score_g2", 0),
             ])
-            winning_reason = "Pass"
+            hd_score_s4 = data.get("hd_score_s4", 0) or 0
+            if hd_score_s4 >= review_threshold:
+                winning_score = hd_score_s4
+                winning_reason = "S4 Velocity Triggered"
+            else:
+                if review_threshold <= winning_score <= score_threshold:
+                    winning_score = winning_score - 10
+                winning_reason = "Pass"
 
         hd_score = winning_score
 
@@ -59,7 +67,9 @@ def processing(data: dict) -> dict:
 
     # ---- recommended_action ----
     try:
-        if winning_reason != "Pass":
+        if winning_reason == "S4 Velocity Triggered":
+            recommended_action = "Review Application"
+        elif winning_reason != "Pass":
             recommended_action = "Decline Application"
         else:
             recommended_action = "Pass Application"
@@ -72,7 +82,12 @@ def processing(data: dict) -> dict:
 
     # ---- description ----
     try:
-        if winning_reason != "Pass":
+        if winning_reason == "S4 Velocity Triggered":
+            description = (
+                "HD Fraud Score is in the review range, "
+                "Recommended action: Review Application"
+            )
+        elif winning_reason != "Pass":
             threshold_used = winning_threshold if winning_threshold is not None else score_threshold
             description = (
                 f"HD Fraud Score is above the risk threshold {threshold_used}, "

test_block.py

@@ -1,16 +1,88 @@
+import json
 import unittest
+from pathlib import Path
+
 from block import __main__
 
-data = {'hd_score_m1': 1173.0, 'hd_score_g1': 1203.0, 'hd_score_s1': 1240.0, 'hd_score_s2': 0, 'hd_score_s3': 0, 'hd_score_iso_m2': 1001.0, 'hd_score_g2': 0.0}
+
+BASE_DIR = Path(__file__).resolve().parent
+
+data = {
+    "hd_score_m1": 1173.0,
+    "hd_score_g1": 1203.0,
+    "hd_score_s1": 1240.0,
+    "hd_score_s2": 0,
+    "hd_score_s3": 0,
+    "hd_score_iso_m2": 1001.0,
+    "hd_score_g2": 0.0,
+}
+
+
+def score_data(**overrides):
+    values = {
+        "hd_score_m1": 1100.0,
+        "hd_score_g1": 0.0,
+        "hd_score_s1": 0.0,
+        "hd_score_s2": 0.0,
+        "hd_score_s3": 0.0,
+        "hd_score_iso_m2": 1001.0,
+        "hd_score_g2": 0.0,
+        "hd_score_s4": 0.0,
+    }
+    values.update(overrides)
+    return values
+
 
 class TestBlock(unittest.TestCase):
     def test_main_success(self):
-        # blockResult = main(data)
-        blockResult = __main__(**data) 
+        block_result = __main__(**data)
 
-        # breakpoint()
-        self.assertIsInstance(blockResult, dict, "Result should be a dictionary.")
-        self.assertIn("hd_score", blockResult, "Result dictionary should contain 'hd_score' if success.")
+        self.assertIsInstance(block_result, dict, "Result should be a dictionary.")
+        self.assertIn("hd_score", block_result, "Result dictionary should contain 'hd_score' if success.")
+
+    def test_s4_sets_review_application_when_no_decline(self):
+        block_result = __main__(**score_data(hd_score_s4=1191))
+
+        self.assertEqual(block_result["hd_score"], 1191)
+        self.assertEqual(block_result["recommended_action"], "Review Application")
+        self.assertEqual(block_result["hd_action_reasoncode"], "S4 Velocity Triggered")
+        self.assertIn("Review Application", block_result["description"])
+
+    def test_s4_review_can_use_top_of_reserved_band(self):
+        block_result = __main__(**score_data(hd_score_s4=1200))
+
+        self.assertEqual(block_result["hd_score"], 1200)
+        self.assertEqual(block_result["recommended_action"], "Review Application")
+
+    def test_decline_precedence_beats_s4_review(self):
+        block_result = __main__(**score_data(hd_score_s1=1225, hd_score_s4=1200))
+
+        self.assertEqual(block_result["hd_score"], 1225)
+        self.assertEqual(block_result["recommended_action"], "Decline Application")
+        self.assertEqual(block_result["hd_action_reasoncode"], "S1 Triggered")
+
+    def test_non_s4_pass_score_in_reserved_band_shifts_down(self):
+        block_result = __main__(**score_data(hd_score_m1=1195, hd_score_s4=0))
+
+        self.assertEqual(block_result["hd_score"], 1185)
+        self.assertEqual(block_result["recommended_action"], "Pass Application")
+        self.assertEqual(block_result["hd_action_reasoncode"], "Pass")
+
+    def test_non_s4_pass_score_below_reserved_band_stays_same(self):
+        block_result = __main__(**score_data(hd_score_m1=1190, hd_score_s4=0))
+
+        self.assertEqual(block_result["hd_score"], 1190)
+        self.assertEqual(block_result["recommended_action"], "Pass Application")
+
+    def test_request_schema_adds_s4_and_response_schema_is_unchanged(self):
+        request_schema = json.loads((BASE_DIR / "request_schema.json").read_text())
+        response_schema = json.loads((BASE_DIR / "response_schema.json").read_text())
+
+        self.assertEqual(request_schema["properties"]["hd_score_s4"]["type"], ["number", "null"])
+        self.assertEqual(
+            set(response_schema["properties"]),
+            {"hd_score", "recommended_action", "description", "hd_action_reasoncode"},
+        )
 
 
 if __name__ == "__main__":