be: read csob's moje info notice from public samples, beside its ceb one

.docs/banks/README.md

@@ -23,7 +23,7 @@ A bank is in one of three states:
 | Creditas | samples only | incoming and outgoing; counter-account, symbol, balance | transaction id, name, message; card holds refused | [creditas](cz/creditas/README.md) |
 | Raiffeisenbank | samples only | transfers and card payments, from HTML; names, symbols, message, balance | transaction id | [raiffeisenbank](cz/raiffeisenbank/README.md) |
 | UniCredit Bank | samples only | incoming, from HTML; counter-account and name, symbols, message | transaction id, balance, type; how an outgoing payment writes its direction | [unicredit](cz/unicredit/README.md) |
-| ČSOB | samples only | CEB: incoming transfers and card payments, several in one e-mail (`readAll`); names, symbols, message | transaction id, balance time; SEPA, foreign and cash payments; its own internet banking's newer notification | [csob](cz/csob/README.md) |
+| ČSOB | samples only | CEB: incoming transfers and card payments, several in one e-mail (`readAll`); own banking's "Moje info - Avízo", in and out; names, symbols, message | transaction id, balance time; SEPA, foreign and cash payments | [csob](cz/csob/README.md) |
 | Komerční banka | not yet | | | [#14](https://github.com/landsman/bank-java/issues/14) |
 | Česká spořitelna | not yet | | | [#15](https://github.com/landsman/bank-java/issues/15) |
 | Citfin | not yet | | | [#21](https://github.com/landsman/bank-java/issues/21) |

.docs/banks/cz/csob/README.md

@@ -7,9 +7,9 @@ them, 2018 to 2022), whose accounts fail the modulo 11 check. ČSOB signed as `d
 none is pinned and `withDns()` refuses every ČSOB e-mail as `Unverified`. See
 [#16](https://github.com/landsman/bank-java/issues/16).
 
-The newer notification of ČSOB's own internet banking (labels on their own lines, `Parametry platby`, as in
-[myinvoice's sample](https://github.com/radekhulan/myinvoice/blob/master/api/tests/Unit/Bank/CsobBankEmailNoticeParserTest.php))
-is not read yet.
+ČSOB's own internet banking sends another template, **"Moje info - Avízo"**, read from
+[myinvoice's samples](https://github.com/radekhulan/myinvoice/blob/master/api/tests/Unit/Bank/CsobBankEmailNoticeParserTest.php)
+(MIT); see [below](#moje-info---avízo).
 
 ## What it carries
 
@@ -45,6 +45,36 @@ Zůstatek na účtu po zaúčtování transakce: +1 234 567,89 CZK.
 - **No transaction id**, and the balance has no time, so `balance()` is `null`. Deduplicate on a signed `messageId()`
   (ČSOB signed `message-id` in 2020) and the position in `readAll()`'s list.
 
+## Moje info - Avízo
+
+The subject picks it. One transaction, the labels on lines of their own and each value under its label:
+
+```
+dne 31.5.2026 byla na účtu 123456789 zaúčtována transakce typu: Odchozí úhrada okamžitá.
+
+Parametry platby
+Účet
+123456789/0300
+Účet protistrany
+35-4544230267/0100
+Datum účtování
+31.5.2026
+Částka
+-10 000,00 CZK
+Variabilní symbol
+0009002567593
+Konstantní symbol
+1120
+Zůstatek na účtu po zaúčtování transakce: +0,00 CZK.
+```
+
+- **The direction is stated twice**, `Příchozí` / `Odchozí` in the kind and the amount's sign, and has to agree.
+- **A symbol may be padded with zeros to 13 digits**; only the zeros beyond ten are cut, so `0000002567593` is
+  `0002567593`. A longer symbol that is not zero padding is refused.
+- **The line under `Název protistrany` is the name; the one after it has to be `Datum účtování`**, so a line break in
+  the name cannot add lines.
+- No transaction id, no message label seen; the balance has no time.
+
 ## Setting it up
 
 [Fakturoid's guide](https://www.fakturoid.cz/podpora/parovani/csob): in CEB, Nastavení → CEB info → Účty a platby →

modules/bank-notifications/src/banks/cz/csob/fixtures/csob-cz/own-banking-incoming-synthetic.eml

@@ -0,0 +1,27 @@
+Date: Sun, 31 May 2026 10:00:00 +0200
+From: =?utf-8?Q?=C4=8CSOB?= <noreply@csob.cz>
+To: bruce.wayne@gothba.org
+Message-ID: <0001@csob.cz>
+Subject: =?utf-8?q?Moje_info_-_Av=C3=ADzo?=
+MIME-Version: 1.0
+Content-Type: text/plain; charset=utf-8
+Content-Transfer-Encoding: 8bit
+
+Dobrý den,
+dne 31.5.2026 byla na účtu 1234567899 zaúčtována transakce typu: Příchozí úhrada okamžitá.
+
+Parametry platby
+Účet
+1234567899/0300
+Účet protistrany
+9876543211/2700
+Název protistrany
+WAYNE ENTERPRISES
+Datum účtování
+31.5.2026
+Částka
++10 000,00 CZK
+Zůstatek na účtu po zaúčtování transakce: +10 000,00 CZK.
+
+Přejeme příjemný den.
+Vaše ČSOB

modules/bank-notifications/src/banks/cz/csob/fixtures/csob-cz/own-banking-outgoing-synthetic.eml

@@ -0,0 +1,29 @@
+Date: Sun, 31 May 2026 10:00:00 +0200
+From: =?utf-8?Q?=C4=8CSOB?= <noreply@csob.cz>
+To: bruce.wayne@gothba.org
+Message-ID: <0001@csob.cz>
+Subject: =?utf-8?q?Moje_info_-_Av=C3=ADzo?=
+MIME-Version: 1.0
+Content-Type: text/plain; charset=utf-8
+Content-Transfer-Encoding: 8bit
+
+Dobrý den,
+dne 31.5.2026 byla na účtu 1234567899 zaúčtována transakce typu: Odchozí úhrada okamžitá.
+
+Parametry platby
+Účet
+1234567899/0300
+Účet protistrany
+19-2000145399/0800
+Datum účtování
+31.5.2026
+Částka
+-10 000,00 CZK
+Variabilní symbol
+0009002567593
+Konstantní symbol
+1120
+Zůstatek na účtu po zaúčtování transakce: +0,00 CZK.
+
+Přejeme příjemný den.
+Vaše ČSOB

modules/bank-notifications/src/banks/cz/csob/java/cz/insuit/bank/notification/Csob.java

@@ -55,6 +55,7 @@ public Transaction parse(@Nullable String subject, String body) {
 
     @Override
     public List<Transaction> parseAll(@Nullable String subject, String body) {
+        if (OWN_BANKING_SUBJECT.equals(subject)) return List.of(ownBanking(body));
         List<List<String>> blocks = blocks(body);
         if (blocks.isEmpty()) throw new Unparsed("no transaction sentence");
         List<Transaction> transactions = new ArrayList<>();
@@ -155,6 +156,74 @@ private static Block block(List<String> block) {
         }
     }
 
+    /**
+     * The notification of ČSOB's own internet banking, "Moje info - Avízo": one transaction, the labels on lines of their
+     * own and each value under its label. Read from radekhulan/myinvoice's samples (MIT), not a real e-mail. The
+     * direction is stated twice, in the kind ({@code Příchozí} / {@code Odchozí}) and the amount's sign.
+     */
+    private static Transaction ownBanking(String body) {
+        NotificationLines lines = new NotificationLines(body);
+        Matcher sentence = lines.single(OWN_SENTENCE, "transaction sentence");
+        if (sentence == null) throw new Unparsed("no transaction sentence");
+        // The counter-party's name is the line under its label; the booking date's label comes right after it.
+        lines.requireAt(OWN_NAME_LABEL, 2, OWN_BOOKED);
+        Map<String, String> fields = lines.stacked(OWN_LABELS, Set.of(), Set.of());
+
+        String ownText = fields.get(ACCOUNT);
+        Matcher own = ownText == null ? null : OWN_BANKING_ACCOUNT.matcher(ownText);
+        if (own == null || !own.matches()) throw new Unparsed("Účet missing or not in the known format");
+        if (!own.group(1).equals(sentence.group(2)))
+            throw new Unparsed("the sentence's account is not the Účet line's");
+        String amountText = fields.get(AMOUNT);
+        Money amount = amountText == null ? null : signed(amountText);
+        if (amount == null) throw new Unparsed("amount missing or not in the known format");
+        Direction direction = sentence.group(3).equals("Příchozí") ? Direction.INCOMING : Direction.OUTGOING;
+        if ((direction == Direction.INCOMING) != (amount.amount().signum() > 0)) {
+            throw new Unparsed("the kind and the amount's sign disagree on the direction");
+        }
+        String booked = fields.get(OWN_BOOKED);
+        if (booked == null) throw new Unparsed("no Datum účtování");
+        LocalDate bookedOn;
+        try {
+            bookedOn = LocalDate.parse(booked, DATE);
+        } catch (DateTimeParseException e) {
+            throw new Unparsed("Datum účtování not d.M.yyyy: " + booked);
+        }
+        String counter = fields.get(COUNTER_ACCOUNT);
+        try {
+            return new Transaction(
+                    DOMAIN,
+                    direction,
+                    Transaction.Type.TRANSFER,
+                    BankAccount.parse(own.group(1) + "/" + BANK_CODE),
+                    counter == null ? null : BankAccount.parse(counter),
+                    fields.get(COUNTER_NAME),
+                    amount,
+                    new PaymentSymbols(
+                            PaymentSymbols.checked(VARIABLE_SYMBOL, unpadded(fields.get(VARIABLE_SYMBOL))),
+                            PaymentSymbols.checked(CONSTANT_SYMBOL, unpadded(fields.get(CONSTANT_SYMBOL))),
+                            PaymentSymbols.checked(SPECIFIC_SYMBOL, unpadded(fields.get(SPECIFIC_SYMBOL)))),
+                    null,
+                    bookedOn,
+                    null,
+                    null,
+                    null);
+        } catch (IllegalArgumentException e) {
+            throw new Unparsed(e.getMessage() == null ? "invalid value" : e.getMessage(), e);
+        }
+    }
+
+    /**
+     * A symbol as this template prints it, padded with zeros to 13 digits in the sample ({@code 0009002567593}); a symbol
+     * has 10 at most. Only the zeros beyond ten are cut, so zeros that belong to the symbol stay; anything else is left
+     * for {@link PaymentSymbols#checked} to refuse.
+     */
+    private static @Nullable String unpadded(@Nullable String symbol) {
+        if (symbol == null || symbol.length() <= 10) return symbol;
+        String excess = symbol.substring(0, symbol.length() - 10);
+        return excess.chars().allMatch(c -> c == '0') ? symbol.substring(symbol.length() - 10) : symbol;
+    }
+
     /** A signed amount, {@code +1 234,56 CZK}: positive for money in, negative for money out. */
     private static @Nullable Money signed(String text) {
         Matcher matcher = MONEY.matcher(text);
@@ -179,6 +248,23 @@ private static Block block(List<String> block) {
     // A sign, a space between thousands: "+1 234,56 CZK".
     private static final Pattern MONEY = Pattern.compile("([+-])(\\d{1,3}(?: \\d{3})*),(\\d{2}) ([A-Z]{3})");
     private static final DateTimeFormatter DATE = DateTimeFormatter.ofPattern("d.M.uuuu");
+
+    private static final String OWN_BANKING_SUBJECT = "Moje info - Avízo";
+    private static final Pattern OWN_SENTENCE =
+            Pattern.compile("dne (\\d{1,2}\\.\\d{1,2}\\.\\d{4}) byla na účtu (\\d{2,10}) zaúčtována transakce typu:"
+                    + " (Příchozí|Odchozí) úhrada(?: okamžitá)?\\.");
+    private static final Pattern OWN_BANKING_ACCOUNT = Pattern.compile("(\\d{2,10})/0300");
+    private static final Pattern OWN_NAME_LABEL = Pattern.compile("Název protistrany");
+    private static final String OWN_BOOKED = "Datum účtování";
+    private static final Set<String> OWN_LABELS = Set.of(
+            "Účet",
+            "Účet protistrany",
+            "Název protistrany",
+            OWN_BOOKED,
+            "Částka",
+            "Variabilní symbol",
+            "Konstantní symbol",
+            "Specifický symbol");
     private static final String BANK_CODE = "0300";
 
     private static final String CARD = "platební kartou";

modules/bank-notifications/src/banks/cz/csob/test/cz/insuit/bank/notification/CsobTest.java

@@ -133,6 +133,68 @@ void refusesAnAmountInAnotherCurrencyThanTheAccount() throws IOException {
         assertThrows(Unparsed.class, () -> BankNotifications.parseUnverified(bytes(changed)));
     }
 
+    /** Synthetic: myinvoice's sanitised samples of "Moje info - Avízo" (MIT), with this repository's accounts. */
+    @Test
+    void readsTheOwnBankingNotice() throws IOException {
+        assertEquals(
+                new Transaction(
+                        "csob.cz",
+                        Direction.INCOMING,
+                        Transaction.Type.TRANSFER,
+                        BankAccount.parse("1234567899/0300"),
+                        BankAccount.parse("9876543211/2700"),
+                        "WAYNE ENTERPRISES",
+                        czk("10000.00"),
+                        PaymentSymbols.NONE,
+                        null,
+                        LocalDate.of(2026, 5, 31),
+                        null,
+                        null,
+                        "<0001@csob.cz>"),
+                BankNotifications.parseUnverified(fixture("own-banking-incoming-synthetic.eml")));
+    }
+
+    @Test
+    void readsAnOutgoingOwnBankingNoticeAndCutsOnlyTheZerosPaddingASymbol() throws IOException {
+        Transaction out = BankNotifications.parseUnverified(fixture("own-banking-outgoing-synthetic.eml"));
+
+        assertEquals(Direction.OUTGOING, out.direction());
+        assertEquals(czk("-10000.00"), out.amount());
+        assertEquals(new PaymentSymbols("9002567593", "1120", null), out.symbols());
+    }
+
+    @Test
+    void keepsTheZerosThatBelongToAPaddedSymbol() throws IOException {
+        String changed = text("own-banking-outgoing-synthetic.eml").replace("0009002567593", "0000002567593");
+
+        assertEquals(
+                "0002567593",
+                BankNotifications.parseUnverified(bytes(changed)).symbols().variable());
+    }
+
+    @Test
+    void refusesASymbolLongerThanTenThatIsNotZeroPadding() throws IOException {
+        String changed = text("own-banking-outgoing-synthetic.eml").replace("0009002567593", "1009002567593");
+
+        assertThrows(Unparsed.class, () -> BankNotifications.parseUnverified(bytes(changed)));
+    }
+
+    @Test
+    void refusesAnOwnBankingKindTheSignDisagreesWith() throws IOException {
+        String changed = text("own-banking-incoming-synthetic.eml")
+                .replace("Částka\r\n+10 000,00 CZK", "Částka\r\n-10 000,00 CZK");
+
+        assertThrows(Unparsed.class, () -> BankNotifications.parseUnverified(bytes(changed)));
+    }
+
+    @Test
+    void refusesASymbolSmuggledInThroughTheOwnBankingCounterPartysName() throws IOException {
+        String changed = text("own-banking-incoming-synthetic.eml")
+                .replace("WAYNE ENTERPRISES\r\n", "EVIL\r\nVariabilní symbol\r\n42\r\nX\r\n");
+
+        assertThrows(Unparsed.class, () -> BankNotifications.parseUnverified(bytes(changed)));
+    }
+
     private static Money czk(String amount) {
         return new Money(new BigDecimal(amount), Currency.getInstance("CZK"));
     }

modules/bank-notifications/src/parsing/java/cz/insuit/bank/notification/NotificationLines.java

@@ -52,10 +52,18 @@ Matcher single(Pattern pattern, String what) {
      * would add lines, a counter-party or a variable symbol of its own, and push {@code next} down.
      */
     void requireNext(Pattern line, String next) {
+        requireAt(line, 1, next);
+    }
+
+    /**
+     * Like {@link #requireNext}, {@code offset} lines down: for a template that puts the name on the line under its
+     * label, the line after the name is two below the label.
+     */
+    void requireAt(Pattern line, int offset, String expected) {
         for (int i = 0; i < lines.size(); i++) {
             if (!line.matcher(lines.get(i)).matches()) continue;
-            if (i + 1 >= lines.size() || !lines.get(i + 1).startsWith(next)) {
-                throw new Unparsed("'" + next + "' does not follow the line naming the other side");
+            if (i + offset >= lines.size() || !lines.get(i + offset).startsWith(expected)) {
+                throw new Unparsed("'" + expected + "' is not where the template puts it after the other side's name");
             }
         }
     }

modules/bank-notifications/src/parsing/test/cz/insuit/bank/notification/NotificationLinesTest.java

@@ -86,6 +86,18 @@ void requireNextRefusesTheLineBeingLast() {
         assertThrows(Unparsed.class, () -> lines.requireNext(Pattern.compile("Od: .*"), "Částka:"));
     }
 
+    @Test
+    void requireAtLooksTheGivenNumberOfLinesDown() {
+        new NotificationLines("Název\r\nJan\r\nDatum").requireAt(Pattern.compile("Název"), 2, "Datum");
+    }
+
+    @Test
+    void requireAtRefusesALineSmuggledInBetween() {
+        NotificationLines lines = new NotificationLines("Název\r\nJan\r\nVS\r\n42\r\nDatum");
+
+        assertThrows(Unparsed.class, () -> lines.requireAt(Pattern.compile("Název"), 2, "Datum"));
+    }
+
     @Test
     void requireNextIgnoresABodyWithoutTheLine() {
         new NotificationLines("Částka: 1").requireNext(Pattern.compile("Od: .*"), "Částka:");