ISO 20022 XML Payment Sanitizer: In-Memory SWIFT & IBAN Redaction

import OpenAI from 'openai';
import { sanitize, restore } from '@privacyscrubber/sdk';

const openai = new OpenAI({ apiKey: process.env.OPENAI_API_KEY });

const rawIso20022Xml = `
<CdtTrfTxInf>
  <Dbtr><Nm>Jonathan Reynolds</Nm></Dbtr>
  <DbtrAcct><Id><IBAN>GB29NWBK60161331926819</IBAN></Id></DbtrAcct>
  <Cdtr><Nm>Global Cloud Corp</Nm></Cdtr>
  <Amt Ccy="USD">14500.00</Amt>
</CdtTrfTxInf>
`;

// 1. In-Memory Sanitization (<1ms)
const { scrubbedText, tokenMap } = sanitize(rawIso20022Xml, {
  profile: 'Financial'
});

console.log('Sanitized XML for AI Fraud Analysis:');
console.log(scrubbedText);
// <Nm>[NAME_1]</Nm> and <IBAN>[IBAN_1]</IBAN> generated with XML syntax preserved!

// 2. Dispatch to AI for payment anomaly detection:
const completion = await openai.chat.completions.create({
  model: 'gpt-4o',
  messages: [{ role: 'user', content: `Analyze payment transaction for anomalies:\n\n${scrubbedText}` }]
});
const aiAssessment = completion.choices[0].message.content || '';

// 3. Restore in local banking core:
const verifiedAssessment = restore(aiAssessment, tokenMap).restoredText;
console.log('\nVerified Assessment in Local Banking Core:');
console.log(verifiedAssessment);