whisper-money/app/Services
Víctor Falcón 3d3f6daa77
perf(ai): reduce N+1 in bulk category updates (PHP-LARAVEL-40, partial) (#624)
> **Draft on purpose — a partial fix + a design for the full one.**
These commits are safe, behavior-preserving reductions of the N+1, but
they do **not** fully resolve PHP-LARAVEL-40. The complete fix is a
batch-aware refactor of the AI rule-learning path, which is delicate
(getting it wrong silently mis-categorizes users' transactions). I've
written the design below for a human to implement and diff against the
current per-transaction behavior. Current user impact is low (~170 ms
request, 1 event), so there's no urgency to rush the risky part.

## What

Sentry **PHP-LARAVEL-40** — N+1 in `TransactionController@bulkUpdate`
(PATCH `/transactions/bulk`). A bulk category update calls
`CategoryOverrideHandler::record()` once per transaction, and each call
runs the full AI rule-learning pipeline
(`AiRuleLearner::forgetFromAiRules()` + `learnFromCorrection()`):
loading all the user's AI rules, plucking every description, running
matcher `count(*)` probes, and inserting a `category_corrections` row.
For a 112-transaction batch that's ~112× each. The offending span is the
per-transaction `category_corrections` insert.

## What this branch does (safe, partial)

Two behavior-preserving reductions, each validated by the existing
learning tests:

1. `perf(transactions): resolve the override handler once for bulk
updates` — `bulkUpdate()` re-resolved `CategoryOverrideHandler` from the
container every iteration. Resolve it once (also required for #2 to take
effect).
2. `perf(ai): memoize the description corpus per user in AiRuleLearner`
— `learnFromCorrection` reloaded and re-tokenized every one of the
user's descriptions on each transaction. The corpus is immutable while
only categories change, so memoize the document-frequency map + count
per user. Removes one `SELECT` (and its tokenization) per transaction.
3. `test(ai): assert batch corrections learn correctly through the
memoized corpus` — proves the second, memoized-corpus learning still
yields a correct, distinct clause (not just that the query count
dropped).
4. `test(ai): guard AiRuleLearner against a singleton binding` — the
cache has no invalidation and is only safe while the learner is resolved
fresh per request; a test now fails if it is ever bound singleton.

## What it does NOT do

It does **not** resolve the flagged N+1. Still per-transaction: the
`category_corrections` insert, `forgetFromAiRules`' reload of all AI
rules, the matcher `total()`/`countMatchingAll()` overbroad probes,
`releaseClauseFromOtherCorrectionRules`, and `existingCorrectionRule`. A
learnable transaction still costs ~6–10 queries. Treat PHP-LARAVEL-40 as
**reduced, not closed** (hence no `Fixes` keyword).

## Reviewed by two independent agents (architecture +
product/correctness)

Both verified the two perf commits are **behavior-preserving and safe**:
the memo cannot go stale (nothing in the correction path mutates
descriptions; the bulk `update()` only writes
`category_id`/`category_source`/`ai_confidence`/`categorized_by_rule_id`,
and runs after the loop), no cross-user leak (keyed by user_id; learner
is transient, one user per request, no Octane), and the handler is
stateless. The existing 34 learning tests exercise the corpus→rule
computation on fresh loads.

## Proposed full fix (for a human to implement)

Exploit that a bulk update sends **all transactions to the same category
for one user.** Add `CategoryOverrideHandler::recordBulk(Collection,
?string)` backed by `AiRuleLearner::learnFromCorrections(array,
string)`; load user-level data once, mutate in memory, write once:

1. **Batch-resolve** `categorized_by_rule_id` via one `whereIn` instead
of per-txn `find()`; apply the **identical** per-txn learnable test
against the map.
2. **Batch-insert** corrections: snapshot each AI-driven txn's *old*
`from_category_id`/`source`/`confidence` during the loop, collect rows,
one insert. (Note: raw `insert()` skips model events/UUID/timestamps —
verify `CategoryCorrection` has no `creating` hook, else chunked
`create` in one transaction.)
3. **Forget once**: union all learnable txns' merchant tokens, load AI
rules once, apply the **whole union** to each rule *before* the
delete-vs-save decision, save/delete each once.
4. **Learn once**: compute each clause (merchant or memoized-corpus
tokens), dedupe within the batch and against the target rule, run
`releaseClauseFromOtherCorrectionRules` for the union once, load/create
the single target correction rule once, append all, save once.
5. Wrap 2–4 in one `DB::transaction`, and route the single-txn path
through the same method (one-element collection) so the two can't drift.

**Correctness invariants to preserve (call these out in review):**
- Apply-all-then-decide for both `forget` and `releaseClause` deletes —
an incremental forget/save/forget would delete a rule a later txn's
clause should have kept.
- Corrections must read each txn's **old** category/source/confidence —
run before the bulk `update()`, as today.
- Clause dedup must match `appendClause`'s loose `==` array comparison.
- Validate with a golden-set test diffing learned/forgotten rules
before/after against the current per-txn path over a mixed batch
(merchant txns, description txns, encrypted/no-merchant skips,
re-corrections that move a key between categories).

## Testing

- `tests/Feature/Ai/` + `BulkUpdateTransactionsTest` + IDOR/decrypt:
153/153 green. `pint` clean.

Refs PHP-LARAVEL-40
2026-07-03 07:52:19 +02:00
..
Ai perf(ai): reduce N+1 in bulk category updates (PHP-LARAVEL-40, partial) (#624) 2026-07-03 07:52:19 +02:00
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BudgetTransactionService.php feat: add catch-all budgets (#527) 2026-06-15 16:07:19 +00:00
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CurrencyOptions.php feat(settings): centralize currency options and split profile/account support (#256) 2026-04-02 19:23:10 +02:00
ExchangeRateService.php Fix PHP-LARAVEL-1V exchange rate cache race (#383) 2026-05-12 12:45:45 +02:00
LandingAuthOverrideService.php feat(leads): cohort-based launch invitations with per-user Stripe coupons (#333) 2026-04-30 15:10:28 +01:00
LeadCohortResolver.php feat(leads): cohort-based launch invitations with per-user Stripe coupons (#333) 2026-04-30 15:10:28 +01:00
LeadPromoCodeAllocator.php feat(leads): cohort-based launch invitations with per-user Stripe coupons (#333) 2026-04-30 15:10:28 +01:00
LoanAmortizationService.php fix(dashboard): avoid month overflow in real estate projection (#340) 2026-04-30 13:53:01 +00:00
LoanBalanceGeneratorService.php feat(loans): backfill historical balances on loan creation (#322) 2026-04-24 13:09:34 +01:00
ManualBalanceAdjuster.php feat(transactions): default balance toggle on and apply it server-side (#566) 2026-06-19 15:01:04 +00:00
PeriodComparator.php feat(cashflow): add savings and period views (#424) 2026-05-25 16:41:00 +02:00
RealEstateBalanceGeneratorService.php feat(real-estate): auto-calculate revaluation % and generate historical balances (#253) 2026-04-15 12:18:33 +00:00
ResendService.php feat: sync user leads to resend (#283) 2026-04-13 19:56:08 +01:00