Update app.py

app.py

@@ -146,6 +146,112 @@ from utils.api_client import RewardPilotClient
 from utils.llm_explainer import get_llm_explainer
 import config
 
+# ===================== CARD DATABASE LOADER =====================
+import json
+import os
+
+# Path to cards.json
+CARDS_FILE = os.path.join(os.path.dirname(__file__), "data", "cards.json")
+
+def load_card_database() -> dict:
+    """Load card database from local cards.json"""
+    try:
+        with open(CARDS_FILE, 'r') as f:
+            cards = json.load(f)
+        print(f"✅ Loaded {len(cards)} cards from database")
+        return cards
+    except FileNotFoundError:
+        print(f"⚠️ cards.json not found at {CARDS_FILE}")
+        return {}
+    except json.JSONDecodeError as e:
+        print(f"❌ Error parsing cards.json: {e}")
+        return {}
+
+# Load at startup
+CARD_DATABASE = load_card_database()
+
+def get_card_details(card_id: str, mcc: str = None) -> dict:
+    """
+    Get card details from database
+    
+    Args:
+        card_id: Card identifier (e.g., "c_citi_custom_cash")
+        mcc: Optional MCC code to get specific reward rate
+    
+    Returns:
+        dict: Card details including name, reward rate, caps, etc.
+    """
+    if card_id not in CARD_DATABASE:
+        print(f"⚠️ Card {card_id} not found in database, using fallback")
+        return {
+            "name": card_id.replace("c_", "").replace("_", " ").title(),
+            "issuer": "Unknown",
+            "reward_rate": 1.0,
+            "annual_fee": 0,
+            "spending_caps": {},
+            "benefits": []
+        }
+    
+    card = CARD_DATABASE[card_id]
+    
+    # Get reward rate for specific MCC (if provided)
+    reward_rate = 1.0
+    if mcc and "reward_structure" in card:
+        reward_structure = card["reward_structure"]
+        
+        # Check exact MCC match
+        if mcc in reward_structure:
+            reward_rate = reward_structure[mcc]
+        else:
+            # Check MCC ranges (e.g., "3001-3999")
+            try:
+                mcc_int = int(mcc)
+                for key, rate in reward_structure.items():
+                    if "-" in str(key):
+                        start, end = str(key).split("-")
+                        if int(start) <= mcc_int <= int(end):
+                            reward_rate = rate
+                            break
+            except (ValueError, AttributeError):
+                pass
+        
+        # Use default if no match found
+        if reward_rate == 1.0 and "default" in reward_structure:
+            reward_rate = reward_structure["default"]
+    
+    # Extract spending cap info
+    spending_caps = card.get("spending_caps", {})
+    cap_info = {}
+    
+    if "monthly_bonus" in spending_caps:
+        cap_info = {
+            "type": "monthly",
+            "limit": spending_caps["monthly_bonus"],
+            "display": f"${spending_caps['monthly_bonus']}/month"
+        }
+    elif "quarterly_bonus" in spending_caps:
+        cap_info = {
+            "type": "quarterly",
+            "limit": spending_caps["quarterly_bonus"],
+            "display": f"${spending_caps['quarterly_bonus']}/quarter"
+        }
+    elif "annual_bonus" in spending_caps:
+        cap_info = {
+            "type": "annual",
+            "limit": spending_caps["annual_bonus"],
+            "display": f"${spending_caps['annual_bonus']}/year"
+        }
+    
+    return {
+        "name": card.get("name", "Unknown Card"),
+        "issuer": card.get("issuer", "Unknown"),
+        "reward_rate": reward_rate,
+        "annual_fee": card.get("annual_fee", 0),
+        "spending_caps": cap_info,
+        "benefits": card.get("benefits", [])
+    }
+# ===================== END CARD DATABASE =====================
+
 
 def get_recommendation_with_agent(user_id, merchant, category, amount):
     import httpx
@@ -210,60 +316,81 @@ def get_recommendation_with_agent(user_id, merchant, category, amount):
         }
         card_name = card_name_map.get(card_id, card_id.replace('c_', '').replace('_', ' ').title())
         
-        # ========== CARD DATABASE (FALLBACK) ==========
-        # If API doesn't provide card_details, use this database
-        CARD_DATABASE = {
-            'c_citi_custom_cash': {
-                'reward_rate': 5.0,
-                'monthly_cap': 500,
-                'base_rate': 1.0,
-                'annual_fee': 0,
-                'cap_type': 'monthly'
-            },
-            'c_amex_gold': {
-                'reward_rate': 4.0,
-                'annual_cap': 25000,
-                'base_rate': 1.0,
-                'annual_fee': 250,
-                'cap_type': 'annual'
-            },
-            'c_chase_sapphire_reserve': {
-                'reward_rate': 3.0,
-                'monthly_cap': None,
-                'base_rate': 3.0,
-                'annual_fee': 550,
-                'cap_type': 'none'
-            },
-            'c_chase_freedom_unlimited': {
-                'reward_rate': 1.5,
-                'monthly_cap': None,
-                'base_rate': 1.5,
-                'annual_fee': 0,
-                'cap_type': 'none'
-            },
-            'c_chase_sapphire_preferred': {
-                'reward_rate': 2.0,
-                'monthly_cap': None,
-                'base_rate': 2.0,
-                'annual_fee': 95,
-                'cap_type': 'none'
-            }
-        }
-        
-        # ========== GET CARD DETAILS (API OR FALLBACK) ==========
+        # # ========== CARD DATABASE (FALLBACK) ==========
+        # # If API doesn't provide card_details, use this database
+        # CARD_DATABASE = {
+        #     'c_citi_custom_cash': {
+        #         'reward_rate': 5.0,
+        #         'monthly_cap': 500,
+        #         'base_rate': 1.0,
+        #         'annual_fee': 0,
+        #         'cap_type': 'monthly'
+        #     },
+        #     'c_amex_gold': {
+        #         'reward_rate': 4.0,
+        #         'annual_cap': 25000,
+        #         'base_rate': 1.0,
+        #         'annual_fee': 250,
+        #         'cap_type': 'annual'
+        #     },
+        #     'c_chase_sapphire_reserve': {
+        #         'reward_rate': 3.0,
+        #         'monthly_cap': None,
+        #         'base_rate': 3.0,
+        #         'annual_fee': 550,
+        #         'cap_type': 'none'
+        #     },
+        #     'c_chase_freedom_unlimited': {
+        #         'reward_rate': 1.5,
+        #         'monthly_cap': None,
+        #         'base_rate': 1.5,
+        #         'annual_fee': 0,
+        #         'cap_type': 'none'
+        #     },
+        #     'c_chase_sapphire_preferred': {
+        #         'reward_rate': 2.0,
+        #         'monthly_cap': None,
+        #         'base_rate': 2.0,
+        #         'annual_fee': 95,
+        #         'cap_type': 'none'
+        #     }
+        # }
+        
+        # ========== GET CARD DETAILS (FROM cards.json) ==========
+        # Get MCC from transaction
+        transaction_mcc = result.get('mcc', MCC_CATEGORIES.get(category, "5999"))
+        
+        # Load card details from our database
+        card_details_from_db = get_card_details(card_id, transaction_mcc)
+        
+        # Use API card_details if available, otherwise use our database
         card_details = result.get('card_details', {})
         
         if not card_details or not card_details.get('reward_rate'):
-            # Use fallback database
-            card_details = CARD_DATABASE.get(card_id, {
-                'reward_rate': 1.0,
-                'monthly_cap': None,
-                'annual_cap': None,
-                'base_rate': 1.0,
-                'annual_fee': 0,
-                'cap_type': 'none'
-            })
-            print(f"⚠️ Using fallback card details for {card_id}")
+            # Convert our database format to the format expected by the rest of the code
+            reward_structure = CARD_DATABASE.get(card_id, {}).get('reward_structure', {})
+            
+            # Get reward rate for this MCC
+            if transaction_mcc in reward_structure:
+                reward_rate_value = reward_structure[transaction_mcc]
+            else:
+                reward_rate_value = reward_structure.get('default', 1.0)
+            
+            # Get spending caps
+            spending_caps_db = CARD_DATABASE.get(card_id, {}).get('spending_caps', {})
+            
+            card_details = {
+                'reward_rate': reward_rate_value,
+                'monthly_cap': spending_caps_db.get('monthly_bonus'),
+                'annual_cap': spending_caps_db.get('annual_bonus'),
+                'quarterly_cap': spending_caps_db.get('quarterly_bonus'),
+                'base_rate': reward_structure.get('default', 1.0),
+                'annual_fee': CARD_DATABASE.get(card_id, {}).get('annual_fee', 0),
+                'cap_type': 'monthly' if 'monthly_bonus' in spending_caps_db else 
+                           'annual' if 'annual_bonus' in spending_caps_db else 
+                           'quarterly' if 'quarterly_bonus' in spending_caps_db else 'none'
+            }
+            print(f"✅ Using cards.json details for {card_id}")
         
         reward_rate_value = card_details.get('reward_rate', 1.0)
         monthly_cap = card_details.get('monthly_cap', None)