# =============================================================================
# COMPETENCY RECORD - Cedric Ancellin's demonstrated engineering skills and
# experience. Third-party technologies and vendors are named as the concrete
# skill surface. Professional background / track record.
# =============================================================================

# ============================================================
# PAYMENTS ENGINEERING - COMPETENCY RECORD
# ============================================================
# Core Purpose:
#   Demonstrated experience building multi-processor checkout and
#   payments: 13+ payment integrations (cards, crypto, wallets,
#   gift cards, room charge, house credit), a pluggable gateway
#   abstraction, in-person terminal payments, a structured refund
#   engine, dispute/chargeback management, a fee engine, and
#   reconciliation hooks.
# ============================================================

summary: >
  Designed and built the platform's checkout and payments engines
  across 13+ payment integrations, card processors, cryptocurrency,
  alternative/wallet methods, gift cards, room-charge/folio posting,
  and house credit, behind a pluggable gateway abstraction, plus
  in-person hardware-terminal payments, a structured breakdown-
  reversing refund engine, dispute/chargeback management, a 30+
  formula fee engine, and multi-source reconciliation.


# ==================================================================
# 1. CHECKOUT STATE MACHINE
# ==================================================================

checkout:
  description: >
    Engineered checkout as an explicit state machine spanning cart,
    hold, payment intent, gateway response, and booking confirmation.
  states: "Cart → Hold → Payment Intent → Payment Response → Booking Confirmation."
  data_model:
    - "Cart header + line items + a financial-tracking action record."
    - "Payment intent + payment items + an append-only payment log."
    - "Gateway response + confirmation records linking payment to the fulfilled booking/order."
  dual_engines:
    - "A modern modular engine (clean cart / pay-intent / pay-response / pay-confirm / pay-log model, partner-commission and multi-order support)."
    - "A legacy integrated engine retained for complex flows (terminal capture, preauth, external-inventory validation)."


# ==================================================================
# 2. PAYMENT PROCESSORS & METHODS (13+ INTEGRATIONS)
# ==================================================================

processors:
  description: >
    Built and maintain a wide range of payment integrations, each
    implementing the operations relevant to its rails.
  card_processors:
    stripe: "Charge, auth + manual capture, refund, payment/setup intents, card-present, webhooks, multi-currency, marketplace (Connect)."
    elavon: "Terminal-socket charge, auth, refund over TLS; plus a dedicated 3D-Secure variant with full challenge/enrollment status handling."
    freedompay: "Purchase, auth, and refund with merchant-defined metadata."
    shift4: "Card-present processing with webhook ingestion."
    komoju: "Card processing for the Japanese market (JPY), with tokenization and full/partial refund."
  crypto:
    triplea: "Cryptocurrency acceptance via hosted payment page + webhook confirmation; tracks crypto address/currency, receive amount, and hold/confirmed status."
  wallets_and_alt_rails:
    - "Digital wallets (Apple Pay / Google Pay) and alternative rails via the card-processor layer."
    - "ACH credit transfer and regional bank methods (SEPA debit, iDEAL, FPX)."
    - "PayPal hosted checkout (OAuth2 token, capture-intent flow, webhook completion)."
    - "Skipify-assisted and SMS-payment-link flows for remote/mobile payment."
  stored_value_and_property:
    gift_card: "Gift-card balance authorization/redemption over an XML gateway protocol."
    room_charge: "Guest-folio posting to a property system, OAuth token, room verification, charge posting, duplicate detection."
    house_credit: "House/property credit accounts, apply credit and refund-to-credit with root-transaction linkage."
    manual: "Mark-as-manual/pending for offline/invoice/check collection."


# ==================================================================
# 3. PLUGGABLE GATEWAY ABSTRACTION
# ==================================================================

gateway_abstraction:
  description: >
    Designed a uniform gateway contract so processors are drop-in
    modules, the reason 13+ methods coexist cleanly.
  contract: "Per-gateway {gateway}_create_intent / _cc_charge / _refund / _retrieve_intent / _cancel_intent (and prepare/preprocess/webhook where relevant)."
  merchant_config: "Per-merchant config (account id, keys, timezone, environment) selects and parameterizes the gateway."
  scale_problem: >
    Merchant deduplication where many locations under one corporate
    entity share a single connected account, an in-memory
    processed-account set avoids duplicate API calls and rate
    limiting during bulk reconciliation.


# ==================================================================
# 4. IN-PERSON / HARDWARE TERMINAL PAYMENTS
# ==================================================================

terminals:
  description: >
    Built hardware-terminal (card-present) payment support.
  capabilities:
    - "Terminal/reader registration and location management against the processor."
    - "Card-present capture with a manual-capture workflow driven by a capturable-amount webhook and a bounded capture window."
    - "Kiosk/terminal identity, serial tracking, and multi-reader locations."


# ==================================================================
# 5. CARD-ON-FILE / TOKENIZATION
# ==================================================================

card_on_file:
  description: >
    Built stored-payment-method / card-on-file support.
  capabilities:
    - "Setup-intent tokenization without an immediate charge; off-session future-use flagging for recurring/subscription."
    - "Customer-profile linkage, billing-address capture, brand/expiry/last-four storage for display."


# ==================================================================
# 6. FEE & SURCHARGE ENGINE
# ==================================================================

fees:
  description: >
    Built a configurable fee/surcharge engine feeding the pricing
    breakdown (see COMP-03 / COMP-14).
  capabilities:
    - "App fees (per-venue) and commission fees (per-partner-per-venue)."
    - "30+ formula variants: fixed, percentage, capped-percentage, per-guest, per-item, tiered, fixed-plus-percentage."
    - "Applied at cart projection and at final payment-intent computation, with per-ticket breakdown used by refunds."


# ==================================================================
# 7. REFUNDS, DISPUTES & RECONCILIATION
# ==================================================================

refunds_disputes_recon:
  refund_engine:
    - "Clones the original payment intent/items with negated amounts and recursively negates the itemized surcharge breakdown."
    - "Preserves the original charge and creates a mirror refund record for a complete audit trail."
    - "Full and partial refunds with per-surcharge selection; multi-hop refund unwinding along the original payment path (last-in-first-out)."
    - "Role-gated refund-request workflow (request → review → approve → process) with PDF confirmations."
  disputes:
    - "Dispute/chargeback lifecycle tracking (open / won / lost / closed) with evidence assembly from ticket, invoice, transaction, and customer data."
  reconciliation:
    - "Tender, deposit, revenue, and adjustment reconciliation; processor-settlement reconciliation (gross vs. fees vs. net collected)."
  non_card_types:
    payment_types: [prepay, comp, invite, partial, no-show-fee]


# ==================================================================
# 8. WEBHOOKS & FULFILLMENT
# ==================================================================

webhooks_fulfillment:
  webhooks:
    - "Processor webhooks for intent-succeeded/failed, capturable-amount-updated, refunds, and dispute lifecycle, metadata-validated and livemode/environment-gated."
    - "Dedicated webhook handlers for crypto, SMS-payment, and card-present processors, with real-time socket notification on state change."
  fulfillment:
    - "Invoice + ticket PDF generation (scannable QR), customizable per-context templates, and email delivery."
  cross_reference:
    $ref: "https://zc8.com/competencies/05_integrations_etl"