first commit

app/api/enums/__init__.py

@@ -0,0 +1,2 @@
+from .transaction_type import TransactionType
+from .loan_status import LoanStatus

app/api/enums/loan_status.py

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+from enum import Enum
+
+class LoanStatus(str, Enum):
+    PENDING = "pending"
+    ACTIVE = "active"
+    REPAID = "repaid"

app/api/enums/transaction_type.py

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+from enum import Enum
+
+class TransactionType(str, Enum):
+    ELIGIBILITY_CHECK = "eligibility_check"
+    CUSTOMER_CONSENT = "customer_consent"
+    LOAN_STATUS = "loan_status"
+    NOTIFICATION_CALLBACK = "notification_callback"
+    PROVIDE_LOAN = "provide_loan"
+    REPAYMENT = "repayment"
+    SELECT_OFFER = "select_offer"

app/api/helpers/response_helper.py

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+from flask import jsonify
+from typing import List, Dict, Union, Optional, Any
+
+
+class ResponseHelper:
+    """
+    A helper class for building standardized JSON responses in Flask.
+    """
+
+    @staticmethod
+    def build_response(
+        status: bool,
+        message: str,
+        data: Optional[Union[Dict, List, str]] = None,
+        status_code: int = 200,
+        error: Optional[Union[Dict, str]] = None,
+    ) -> Dict[str, Any]:
+        """
+        Build a standardized JSON response.
+
+        Args:
+            status (bool): Indicates whether the request was successful.
+            message (str): A message describing the result of the request.
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            status_code (int): The HTTP status code for the response.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        response = {
+            "status": status,
+            "statusCode": status_code,
+            "message": message,
+            "data": data if data is not None else {},
+            "error": error if error is not None else {},
+        }
+        return jsonify(response), status_code
+
+    @staticmethod
+    def success(
+        data: Optional[Union[Dict, List, str]] = None,
+        message: str = "Successful",
+        status_code: int = 200,
+        error: Optional[Union[Dict, str]] = None,
+    ) -> Dict[str, Any]:
+        """
+        Return a success response.
+
+        Args:
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            message (str): A message describing the result of the request.
+            status_code (int): The HTTP status code for the response.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(True, message, data, status_code, error)
+
+    @staticmethod
+    def error(
+        message: str = "An error occurred",
+        status_code: int = 400,
+        data: Optional[Union[Dict, List, str]] = None,
+        error: Optional[Union[Dict, str]] = None,
+    ) -> Dict[str, Any]:
+        """
+        Return an error response.
+
+        Args:
+            message (str): A message describing the error.
+            status_code (int): The HTTP status code for the response.
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(False, message, data, status_code, error)
+
+    @staticmethod
+    def created(
+        data: Optional[Union[Dict, List, str]] = None,
+        message: str = "Resource created successfully",
+        error: Optional[Union[Dict, str]] = None,
+    ) -> Dict[str, Any]:
+        """
+        Return a response for a created resource.
+
+        Args:
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            message (str): A message describing the result of the request.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(True, message, data, 201, error)
+
+    @staticmethod
+    def updated(
+        data: Optional[Union[Dict, List, str]] = None,
+        message: str = "Resource updated successfully",
+        error: Optional[Union[Dict, str]] = None,
+    ) -> Dict[str, Any]:
+        """
+        Return a response for an updated resource.
+
+        Args:
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            message (str): A message describing the result of the request.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(True, message, data, 200, error)
+
+    @staticmethod
+    def internal_server_error(
+        message: str = "Internal Server Error",
+        data: Optional[Union[Dict, List, str]] = None,
+        error: Optional[Union[Dict, str]] = None,
+    ) -> Dict[str, Any]:
+        """
+        Return a response for an internal server error.
+
+        Args:
+            message (str): A message describing the error.
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(False, message, data, 500, error)
+
+    @staticmethod
+    def unauthorized(
+        message: str = "Unauthorized",
+        data: Optional[Union[Dict, List, str]] = None,
+        error: Optional[Union[Dict, str]] = None,
+    ) -> Dict[str, Any]:
+        """
+        Return a response for an unauthorized request.
+
+        Args:
+            message (str): A message describing the error.
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(False, message, data, 401, error)
+
+    @staticmethod
+    def forbidden(
+        message: str = "Forbidden",
+        data: Optional[Union[Dict, List, str]] = None,
+        error: Optional[Union[Dict, str]] = None,
+    ) -> Dict[str, Any]:
+        """
+        Return a response for a forbidden request.
+
+        Args:
+            message (str): A message describing the error.
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(False, message, data, 403, error)
+
+    @staticmethod
+    def not_found(
+        message: str = "Resource not found",
+        data: Optional[Union[Dict, List, str]] = None,
+        error: Optional[Union[Dict, str]] = None,
+    ) -> Dict[str, Any]:
+        """
+        Return a response for a not found resource.
+
+        Args:
+            message (str): A message describing the error.
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(False, message, data, 404, error)
+
+    @staticmethod
+    def unprocessable_entity(
+        message: str = "Unprocessable entity",
+        data: Optional[Union[Dict, List, str]] = None,
+        error: Optional[Union[Dict, str]] = None,
+    ) -> Dict[str, Any]:
+        """
+        Return a response for an unprocessable entity.
+
+        Args:
+            message (str): A message describing the error.
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(False, message, data, 422, error)
+    
+    @staticmethod
+    def method_not_allowed(
+        message: str = "Method Not Allowed",
+        data: Optional[Union[Dict, List, str]] = None,
+        error: Optional[Union[Dict, str]] = None,
+    ) -> Dict[str, Any]:
+        """
+        Return a response for a method not allowed error.
+
+        Args:
+            message (str): A message describing the error.
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(False, message, data, 405, error)
+    
+    @staticmethod
+    def bad_request(
+        message: str = "Bad Request",
+        data: Optional[Union[Dict, List, str]] = None,
+        error: Optional[Union[Dict, str]] = None,
+    ) -> Dict[str, Any]:
+        """
+        Return a response for a bad request error.
+
+        Args:
+            message (str): A message describing the error.
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(False, message, data, 400, error)

app/api/integrations/__init__.py

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+from .simbrella import SimbrellaIntegration
+from .kafka import KafkaIntegration

app/api/integrations/kafka.py

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+from confluent_kafka import Producer
+import json
+import logging
+from app.config import settings
+
+logger = logging.getLogger(__name__)
+
+
+class KafkaIntegration:
+    _producer = None
+    _config = {
+        "bootstrap.servers": settings.KAFKA_BROKER,
+        "client.id": "loan-service-producer",
+        "acks": "all",
+        "retries": 3,
+        "debug": "broker,topic,msg",
+    }
+
+    @staticmethod
+    def _get_producer():
+        """Kafka producer"""
+        if not KafkaIntegration._producer:
+            KafkaIntegration._producer = Producer(KafkaIntegration._config)
+
+            logger.info(
+                f"Connected to Kafka broker at {KafkaIntegration._config['bootstrap.servers']}"
+            )
+
+        return KafkaIntegration._producer
+
+
+    @staticmethod
+    def delivery_report(err, msg):
+        """Called once for each message produced"""
+        if err is not None:
+
+            logger.error(f'Message delivery failed: {err}')
+            raise RuntimeError(f"Message delivery failed: {err}")
+        
+        else:
+            logger.debug(f'Message delivered to {msg.topic()} [{msg.partition()}] @ offset {msg.offset()}')
+
+
+
+    @staticmethod
+    def send_loan_request(loan_data, request_id, topic):
+        """
+        Send loan request to topic
+
+        Args:
+            loan_data: Loan request payload as dict
+            request_id: Unique request identifier (used as Kafka key)
+        """
+        try:
+
+            # Proceed to send loan request to Kafka
+            producer = KafkaIntegration._get_producer()
+
+            # Sending loan request message to Kafka
+            producer.produce(
+                topic=topic,
+                key=str(request_id),
+                value=json.dumps(loan_data).encode("utf-8"),
+                callback=KafkaIntegration.delivery_report,
+
+            )
+
+            producer.poll(0)
+
+            logger.info(f"Loan request {request_id} queued for processing")
+
+        except Exception as e:
+            logger.error(
+                f"Failed to send loan request to Kafka: {str(e)}", exc_info=True
+            )
+            raise Exception(f"Failed to send loan request to Kafka: {str(e)}")
+
+    @staticmethod
+    def flush():
+        """Shutdown"""
+        producer = KafkaIntegration._get_producer()
+        producer.flush()

app/api/integrations/simbrella.py

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+import requests
+import json
+from requests.auth import HTTPBasicAuth
+from app.utils.logger import logger
+from app.config import settings
+
+class SimbrellaIntegration:
+    BASE_URL = settings.SIMBRELLA_BASE_URL
+
+    @staticmethod
+    def rac_check(customer_id, account_id, transaction_id):
+        """
+        Calls the RACCheck endpoit
+        """
+        url = f"{SimbrellaIntegration.BASE_URL}/RACCheck"
+        
+        payload = {
+            "customerId": customer_id,
+            "accountId": account_id,
+            "transactionId": transaction_id,
+            "RAC_Array": [
+                {
+                "salaryAccount": True,
+                "bvn": "12345678901",
+                "crc": False,
+                "crms": True,
+                "accountStatus": "active",
+                "lien": False,
+                "noBouncedCheck": True,
+                "existingLoan": False,
+                "whitelist": True,
+                "noPastDueSalaryLoan": True,
+                "noPastDueOtherLoans": False
+                }
+            ]
+        }
+
+        logger.error(f"This is PayLoad: {str(payload)}",exc_info=True)
+        headers = {
+            'Content-Type': 'application/json',
+            'x-api-key': f'{settings.VALID_API_KEY}',
+            'App-Id': f'{settings.VALID_APP_ID}'
+        }
+
+        try:
+            response = requests.post(url, json=payload, timeout=10, headers=headers)
+            logger.error(f"This is Response: {str(response)}", exc_info=True)
+            # Raise an error for non-200 responses
+            if response.status_code != 200:
+                response.raise_for_status()
+
+            return response.json()
+        except requests.exceptions.RequestException as err:
+            logger.error(f"RACCheck API call failed: {str(err)}", exc_info=True)
+            return {"error": "RACCheck API error"}

app/api/middlewares/__init__.py

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+from .verify_api_key import require_api_key
+from .app_id_checker import require_app_id
+from .cors import enforce_json
+from .basic_auth import require_auth

app/api/middlewares/app_id_checker.py

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+from functools import wraps
+from flask import request, jsonify
+from app.utils.logger import logger
+from app.config import Config
+
+
+
+VALID_APP_ID = Config.VALID_APP_ID
+
+def require_app_id(f):
+    """Decorator to enforce App-ID validation."""
+    @wraps(f)
+    def decorated_function(*args, **kwargs):
+        app_id = request.headers.get("App-ID")
+
+        if not app_id:
+            logger.error("Unauthorized access: Missing App-ID.")
+            return jsonify({"message": "Invalid request"}), 400
+
+
+        if app_id != VALID_APP_ID:
+            logger.error(f"Unauthorized access: Invalid App-ID {app_id}.")
+            return jsonify({"message": "Invalid request"}), 400
+
+        return f(*args, **kwargs)
+
+    return decorated_function

app/api/middlewares/basic_auth.py

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+from functools import wraps
+from flask import request, jsonify
+import base64
+from app.config import Config
+
+USERNAME = Config.BASIC_AUTH_USERNAME
+PASSWORD = Config.BASIC_AUTH_PASSWORD
+
+def require_auth(f):
+    @wraps(f)
+    def decorated(*args, **kwargs):
+        auth = request.headers.get('Authorization')
+        if not auth or not check_auth(auth):
+            return jsonify({"message": "Invalid request"}), 401
+        return f(*args, **kwargs)
+    return decorated
+
+def check_auth(auth_header):
+    if not auth_header:
+        return False
+    try:
+        auth_type, credentials = auth_header.split()
+        if auth_type.lower() != "basic":
+            return False
+
+        decoded_credentials = base64.b64decode(credentials).decode("utf-8")
+        user, pwd = decoded_credentials.split(":", 1)
+        return user == USERNAME and pwd == PASSWORD
+    except Exception:
+        return False

app/api/middlewares/cors.py

@@ -0,0 +1,7 @@
+from flask import request, jsonify
+
+
+def enforce_json():
+    """Middleware to enforce JSON Content-Type for incoming requests"""
+    if request.method in ["POST", "PUT", "PATCH"] and request.content_type != "application/json":
+        return jsonify({"message": "Invalid request"}), 400

app/api/middlewares/verify_api_key.py

@@ -0,0 +1,25 @@
+from functools import wraps
+from flask import request, jsonify
+from app.utils.logger import logger
+from app.config import Config
+
+# Load valid API key from environment variables (fallback for testing)
+VALID_API_KEY = Config.VALID_API_KEY
+
+def require_api_key(f):
+    """Decorator to enforce API key authentication."""
+    @wraps(f)
+    def decorated_function(*args, **kwargs):
+        api_key = request.headers.get("X-API-KEY")
+
+        if not api_key:
+            logger.error("Unauthorized access: Missing API key.")
+            return jsonify({"message": "Invalid request"}), 400
+
+        if api_key != VALID_API_KEY:
+            logger.error("Unauthorized access: Invalid API key.")
+            return jsonify({"message": "Invalid request"}), 400
+
+        return f(*args, **kwargs)
+
+    return decorated_function

app/api/routes/__init__.py

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+from .routes import api 

app/api/routes/routes.py

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+from flask import Blueprint, request, jsonify, send_from_directory
+from app.api.services import (
+    EligibilityCheckService,
+    SelectOfferService,
+    ProvideLoanService,
+    LoanStatusService,
+    RepaymentService,
+    CustomerConsentService,
+    NotificationCallbackService,
+    AuthorizationService,
+)
+from app.utils.logger import logger
+from app.api.middlewares import enforce_json, require_auth
+import os
+from flask_jwt_extended import (
+    JWTManager,
+    jwt_required,
+    create_access_token,
+    get_jwt_identity,
+    create_refresh_token,
+)
+
+
+api = Blueprint("api", __name__)
+
+
+@api.before_request
+def cors_middleware():
+    """Middleware applied globally to all API routes in this blueprint"""
+    return enforce_json()
+
+
+# Swagger JSON file
+@api.route("/swagger.json", methods=["GET"])
+def swagger_json():
+    swagger_dir = os.path.join("swagger")
+    return send_from_directory(swagger_dir, "digifi_swagger.json")
+
+
+@api.route("/swagger/<path:filename>")
+def serve_paths(filename):
+    swagger_dir = os.path.join("swagger")
+    return send_from_directory(swagger_dir, filename)
+
+
+# EligibilityCheck Endpoint
+@api.route("/EligibilityCheck", methods=["POST"])
+@jwt_required()
+def eligibility_check():
+    data = request.get_json()
+    # logger.info(f"EligibilityCheck request received: {data}")
+    response = EligibilityCheckService.process_request(data)
+    return response
+
+
+# SelectOffer Endpoint
+@api.route("/SelectOffer", methods=["POST"])
+@jwt_required()
+def select_offer():
+    data = request.get_json()
+    # logger.info(f"SelectOffer request received: {data}")
+    response = SelectOfferService.process_request(data)
+    return response
+
+
+# ProvideLoan Endpoint
+@api.route("/ProvideLoan", methods=["POST"])
+@jwt_required()
+def provide_loan():
+    data = request.get_json()
+    # logger.info(f"ProvideLoan request received: {data}")
+    response = ProvideLoanService.process_request(data)
+    return response
+
+
+# LoanStatus Endpoint
+@api.route("/LoanStatus", methods=["POST"])
+@jwt_required()
+def loan_status():
+    data = request.get_json()
+    # logger.info(f"LoanStatus request received: {data}")
+    response = LoanStatusService.process_request(data)
+    return response
+
+
+# Repayment Endpoint
+@api.route("/Repayment", methods=["POST"])
+@jwt_required()
+def repayment():
+    data = request.get_json()
+    # logger.info(f"Repayment request received: {data}")
+    response = RepaymentService.process_request(data)
+    return response
+
+
+# CustomerConsent Endpoint
+@api.route("/CustomerConsent", methods=["POST"])
+@jwt_required()
+def customer_consent():
+    data = request.get_json()
+    # logger.info(f"CustomerConsent request received: {data}")
+    response = CustomerConsentService.process_request(data)
+    return response
+
+
+# NotificationCallback Endpoint
+@api.route("/NotificationCallback", methods=["POST"])
+@jwt_required()
+def notification_callback():
+    data = request.get_json()
+    # logger.info(f"NotificationCallback request received: {data}")
+    response = NotificationCallbackService.process_request(data)
+    return response
+
+
+# Health Check Endpoint
+@api.route("/health", methods=["GET"])
+def health_check():
+    return {"status": "ok"}, 200
+
+
+# Authorize endpoint
+@api.route("/Authorize", methods=["POST"])
+def authorize():
+    data = request.get_json()
+    # logger.info(f"Authorize request received: {data}")
+    response = AuthorizationService.process_request(data)
+    return response
+
+
+# Authorize refresh endpoint
+@api.route("/AuthorizeRefresh", methods=["POST"])
+@jwt_required(refresh=True)
+def refresh():
+    data = request.get_json()
+    # logger.info(f"Authorize refresh request received: {data}")
+    response = AuthorizationService.process_refresh_request()
+    return response

app/api/schemas/authorization.py

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+from marshmallow import Schema, fields
+
+
+class AuthorizeRequestSchema(Schema):
+    username = fields.Str(required=True)
+    password = fields.Str(required=True)

app/api/schemas/customer_consent.py

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+from marshmallow import Schema, fields
+
+# Customer Consent Schema
+class CustomerConsentSchema(Schema):
+    type = fields.Str(required=True)
+    transactionId = fields.Str(required=True)
+    customerId = fields.Str(required=True)
+    accountId = fields.Str(required=True)
+    requestTime = fields.DateTime(required=True, format="%Y-%m-%d %H:%M:%S.%f")
+    consentType = fields.Str(required=True)
+    channel = fields.Str(required=True)

app/api/schemas/eligibility_check.py

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+from marshmallow import Schema, fields
+
+class EligibilityCheckSchema(Schema):
+    transactionId = fields.Str(required=True)
+    countryCode = fields.Str(required=True)
+    customerId = fields.Str(required=True)
+    accountId = fields.Str(required=True)
+    msisdn = fields.Str(required=True)
+    accountId = fields.Str(required=True)
+    channel = fields.Str(required=True)

app/api/schemas/loan_status.py

@@ -0,0 +1,8 @@
+from marshmallow import Schema, fields
+
+# Loan Information Schema
+class LoanStatusSchema(Schema):
+    transactionId = fields.Str(required=True)
+    customerId = fields.Str(required=True)
+    msisdn = fields.Str(required=False)
+    channel = fields.Str(required=True)

app/api/schemas/notification_callback.py

@@ -0,0 +1,14 @@
+from marshmallow import Schema, fields
+
+# Notification Callback Schema
+class NotificationCallbackSchema(Schema):
+    fbnTransactionId = fields.Str(required=True)
+    transactionId = fields.Str(required=True)
+    customerId = fields.Str(required=True)
+    accountId = fields.Str(required=True)
+    debtId = fields.Str(required=True)
+    transactionType = fields.Str(required=True)
+    amountProvided = fields.Float(required=True)
+    amountCollected = fields.Float(required=True)
+    responseCode = fields.Str(required=True)
+    responseDescription = fields.Str(required=True)

app/api/schemas/provide_loan.py

@@ -0,0 +1,16 @@
+from marshmallow import Schema, fields
+
+# Provide Loan Schema
+class ProvideLoanSchema(Schema):
+    type = fields.Str(required=False)
+    requestId = fields.Str(required=True)
+    transactionId = fields.Str(required=True)
+    customerId = fields.Str(required=True)
+    accountId = fields.Str(required=True)
+    msisdn = fields.Str(required=False)
+    # productId = fields.Str(required=True)
+    # lienAmount = fields.Float(required=True)
+    requestedAmount = fields.Float(required=True)
+    collectionType = fields.Int(required=True)
+    offerId = fields.Int(required=True)
+    channel = fields.Str(required=True)

app/api/schemas/repayment.py

@@ -0,0 +1,11 @@
+from marshmallow import Schema, fields
+
+# Repayment Schema
+class RepaymentSchema(Schema):
+    type = fields.Str(required=False)
+    msisdn = fields.Str(required=False) #optional
+    debtId = fields.Str(required=True)
+    productId = fields.Str(required=True)
+    transactionId = fields.Str(required=True)
+    customerId = fields.Str(required=True)
+    channel = fields.Str(required=True)

app/api/schemas/select_offer.py

@@ -0,0 +1,13 @@
+from marshmallow import Schema, fields
+
+# Select Offer Schema
+class SelectOfferSchema(Schema):
+    requestId = fields.Str(required=True)
+    transactionId = fields.Str(required=True)
+    customerId = fields.Str(required=True)
+    accountId = fields.Str(required=True)
+    msisdn = fields.Str(required=True)
+    requestedAmount = fields.Float(required=True)
+    productId = fields.Str(required=True)
+    channel = fields.Str(required=True)
+

app/api/services/__init__.py

@@ -0,0 +1,8 @@
+from app.api.services.eligibility_check import EligibilityCheckService
+from app.api.services.select_offer import SelectOfferService
+from app.api.services.provide_loan import ProvideLoanService
+from app.api.services.loan_status import LoanStatusService
+from app.api.services.repayment import RepaymentService
+from app.api.services.customer_consent import CustomerConsentService
+from app.api.services.notification_callback import NotificationCallbackService
+from app.api.services.authorization import AuthorizationService

app/api/services/authorization.py

@@ -0,0 +1,102 @@
+from flask import request, jsonify
+from marshmallow import ValidationError
+from app.api.services.base_service import BaseService
+from app.utils.logger import logger
+from app.api.schemas.authorization import AuthorizeRequestSchema
+from app.api.helpers.response_helper import ResponseHelper
+from flask_jwt_extended import (
+    JWTManager,
+    jwt_required,
+    create_access_token,
+    create_refresh_token,
+    get_jwt_identity,
+)
+from app.config import Config
+
+USERNAME = Config.BASIC_AUTH_USERNAME
+PASSWORD = Config.BASIC_AUTH_PASSWORD
+
+
+class AuthorizationService(BaseService):
+
+    @staticmethod
+    def process_request(data):
+        """
+        Process the Authorization request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            logger.info("Processing Authorization request")
+
+            if not data:
+                return ResponseHelper.bad_request(message="Missing JSON in request")
+
+            # Validate input data using the Authorization schema
+            schema = AuthorizeRequestSchema()
+            validated_data = schema.load(data)  # Raises ValidationError if invalid
+
+            if (
+                validated_data["username"] != USERNAME
+                or validated_data["password"] != PASSWORD
+            ):
+                return ResponseHelper.unauthorized(message="Invalid credentials")
+
+            access_token = create_access_token(identity=validated_data["username"])
+            refresh_token = create_refresh_token(identity=validated_data["username"])
+
+            # Simulated processing logic
+            response_data = {
+                "access_token": access_token,
+                "refresh_token": refresh_token,
+            }
+
+            return ResponseHelper.success(
+                data=response_data, message="Authorization processed successfully"
+            )
+
+        except ValidationError as e:
+            logger.error(f"Validation error: {e}")
+            return ResponseHelper.bad_request(message=f"Validation error: {e}")
+
+        except Exception as e:
+            logger.error(f"Error processing Authorization request: {e}")
+            return ResponseHelper.internal_server_error(
+                message=f"Error processing Authorization request: {e}"
+            )
+
+    @staticmethod
+    def process_refresh_request():
+        """
+        Process the RefreshToken request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            logger.info("Processing RefreshToken request")
+
+            identity = get_jwt_identity()
+            access_token = create_access_token(identity=identity)
+
+            # Simulated processing logic
+            response_data = {
+                "access_token": access_token,
+            }
+
+            return ResponseHelper.success(
+                data=response_data, message="RefreshToken processed successfully"
+            )
+
+        except Exception as e:
+            logger.error(f"Error processing RefreshToken request: {e}")
+            return ResponseHelper.internal_server_error(
+                message=f"Error processing RefreshToken request: {e}"
+            )

app/api/services/base_service.py

@@ -0,0 +1,61 @@
+from app.models import Customer, Account, Transaction
+from app.api.enums import TransactionType
+from flask import jsonify
+from marshmallow import ValidationError
+import logging
+from app.api.integrations import KafkaIntegration
+
+logger = logging.getLogger(__name__)
+
+class BaseService:
+    TRANSACTION_TYPE = None
+
+    @classmethod
+    def validate_data(cls, data, schema):
+        """
+        Validate input data based on the provided schema.
+        """
+        logger.info(f"Processing {cls.TRANSACTION_TYPE} request")
+        return schema.load(data)
+
+    @classmethod
+    def get_or_create_customer(cls, validated_data):
+        
+        """
+        Check if a customer exists; if not, create one.
+        """
+
+        customer = Customer.query.filter_by(id=validated_data.get("customerId")).first()
+        if not customer:
+            customer = Customer.create_customer(
+                id=validated_data.get("customerId"),
+                msisdn=validated_data.get("msisdn"),
+                country_code=validated_data.get("countryCode"),
+                account_id=validated_data.get("accountId"),
+            )
+        return customer
+
+    @classmethod
+    def validate_account_ownership(cls, account_id, customer_id):
+        """
+        Check if the provided account belongs to the customer.
+        """
+        is_valid = Account.is_valid_account(account_id, customer_id)
+        return is_valid
+
+    @classmethod
+    def log_transaction(cls, validated_data):
+        """
+        Create a new transaction.
+        """
+        return Transaction.create_transaction(
+            transaction_id =validated_data.get("transactionId"),
+            account_id=validated_data.get("accountId"),
+            type=cls.TRANSACTION_TYPE,
+            channel=validated_data.get("channel"),
+        )
+    
+    @classmethod
+    def async_send_to_kafka(cls, loan_data, request_id, topic):
+        KafkaIntegration.send_loan_request(loan_data = loan_data, request_id = request_id, topic = topic)
+        KafkaIntegration.flush()

app/api/services/customer_consent.py

@@ -0,0 +1,71 @@
+from flask import request, jsonify
+from app.api.services.base_service import BaseService
+from marshmallow import ValidationError
+from app.utils.logger import logger
+from app.api.schemas.customer_consent import CustomerConsentSchema
+from app.api.services.base_service import BaseService
+from app.api.enums import TransactionType   
+
+
+class CustomerConsentService(BaseService):
+    TRANSACTION_TYPE = TransactionType.CUSTOMER_CONSENT 
+
+    @staticmethod
+    def process_request(data):
+        """
+        Process the CustomerConsent request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+
+            validated_data = CustomerConsentService.validate_data(data, CustomerConsentSchema())
+            account_id = validated_data.get('accountId')
+            customer_id =  validated_data.get('customerId')
+
+            if(CustomerConsentService.validate_account_ownership(account_id = account_id, customer_id = customer_id)):
+                transaction = CustomerConsentService.log_transaction(validated_data = validated_data)
+
+                if not transaction:
+                    logger.error(f"Failed to log transaction")
+                    return jsonify({
+                        "message": "Failed to log transaction."
+                    }), 400
+            else:  
+                return jsonify({
+                        "message": "Invalid Customer or Account"
+                    }), 400
+
+                
+            # Simulated processing logic
+            response_data = {
+                "resultCode": "00",
+                "resultDescription": "Request is received"
+            }
+
+            return response_data
+        
+        except ValidationError as err:
+
+            logger.error(f"Validation Error: {getattr(err, 'messages', str(err))}")
+
+            return jsonify({
+                "message": "Validation exception"
+                }) , 422
+        
+        except  ValueError as err:
+            logger.error(f"{getattr(err, 'messages', str(err))}")
+
+            return jsonify({
+                "message": str(err)
+                }) , 400
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            return jsonify({
+                "message": "Internal Server Error"
+                }) , 500

app/api/services/eligibility_check.py

@@ -0,0 +1,108 @@
+from flask import session, jsonify
+from app.utils.logger import logger
+from app.api.services.base_service import BaseService
+from app.api.schemas.eligibility_check import EligibilityCheckSchema
+from marshmallow import ValidationError
+from app.api.enums import TransactionType
+from app.api.integrations import SimbrellaIntegration
+
+class EligibilityCheckService(BaseService):
+    TRANSACTION_TYPE = TransactionType.ELIGIBILITY_CHECK 
+
+    @staticmethod
+    def process_request(data):
+        """
+        Process the EligibilityCheck request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+
+            validated_data = EligibilityCheckService.validate_data(data, EligibilityCheckSchema())
+            account_id = validated_data.get('accountId')
+            customer_id =  validated_data.get('customerId')
+            transactionId = validated_data.get('transactionId')
+            msisdn = validated_data.get('msisdn')
+
+            customer = EligibilityCheckService.get_or_create_customer(validated_data = validated_data)
+
+            if (EligibilityCheckService.validate_account_ownership(account_id = account_id, customer_id = customer_id)):
+                transaction = EligibilityCheckService.log_transaction(validated_data = validated_data)
+
+                if not transaction:
+                    logger.error(f"Failed to log transaction")
+                    return jsonify({
+                        "message": "Failed to log transaction."
+                    }), 400
+            else: 
+                return jsonify({
+                        "message": "Invalid Customer or Account"
+                    }), 400
+            
+             # Call RACCheck
+            response = SimbrellaIntegration.rac_check(
+                customer_id = customer_id,
+                account_id = account_id,
+                transaction_id = transaction.id,
+            )
+            logger.error(f"This is Response Returned ****** : {str(response)}")
+
+            # this chck for error is not valid
+            logger.error(f"Check for ERROR is not valid  ****** FIX THIS !!!!!")
+            #if "error" in response or response.get("status") != 200:
+            #    return jsonify({"message": "RACCheck failed"}), 400
+
+            offers = [
+                {
+                    "offerId": "SAL90",
+                    "productId": "2030",
+                    "minAmount": 5000,
+                    "maxAmount": 100000,
+                    "tenor": 30
+                },
+                {
+                    "offerId": "SAL30",
+                    "productId": "2090",
+                    "minAmount": 3000,
+                    "maxAmount": 500000,
+                    "tenor": 90
+                }
+            ]
+
+            # Simulate processing
+            response_data = {
+                "customerId": customer_id,
+                "transactionId": transactionId,
+                "countryCode": "NG",
+                "msisdn": msisdn,
+                "eligibleOffers": offers,
+                "resultDescription": "Successful",
+                "resultCode": "00",
+                "accountId": account_id
+                }
+
+            return response_data
+        except ValidationError as err:
+
+            logger.error(f"Validation Error: {getattr(err, 'messages', str(err))}")
+
+            return jsonify({
+                "message": "Validation exception"
+                }) , 422
+        
+        except  ValueError as err:
+            logger.error(f"{getattr(err, 'messages', str(err))}")
+
+            return jsonify({
+                "message": str(err)
+                }) , 400
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            return jsonify({
+                "message": "Internal Server Error"
+                }) , 500

app/api/services/loan_status.py

@@ -0,0 +1,88 @@
+from flask import request, jsonify
+from marshmallow import ValidationError
+from app.utils.logger import logger
+from app.api.schemas.loan_status import LoanStatusSchema 
+from app.api.services.base_service import BaseService
+from app.api.enums import TransactionType     
+
+
+class LoanStatusService(BaseService):
+    TRANSACTION_TYPE = TransactionType.LOAN_STATUS 
+
+    @staticmethod
+    def process_request(data):
+        """
+        Process the Loan Information request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            validated_data = LoanStatusService.validate_data(data, LoanStatusSchema())
+            customer_id =  validated_data.get('customerId')
+            customer = LoanStatusService.get_or_create_customer(validated_data)
+            account = customer.accounts[0]
+
+            if (LoanStatusService.validate_account_ownership(account_id = account.id, customer_id = customer_id)):
+                transaction = LoanStatusService.log_transaction(validated_data = validated_data)
+
+                if not transaction:
+                    logger.error(f"Failed to log transaction")
+                    return jsonify({
+                        "message": "Failed to log transaction."
+                    }), 400
+            else: 
+                return jsonify({
+                        "message": "Invalid Customer or Account"
+                    }), 400
+           
+
+            loans = [
+                {
+                    "debtId": "123456789",
+                    "loanDate": "2019-10-18 14:26:21.063",
+                    "dueDate": "2019-11-20 14:26:21.063",
+                    "currentLoanAmount": 8500,
+                    "initialLoanAmount": 10000,
+                    "defaultPenaltyFee": 0,
+                    "continuousFee": 0,
+                    "productId": "101"
+                }
+            ]
+
+            # Simulated processing logic
+            response_data = {
+                "customerId": "CN621868",
+                "transactionId": "Tr201712RK9232P115",
+                "loans": loans,
+                "totalDebtAmount": 8500,
+                "resultCode": "00",
+                "resultDescription": "Successful"
+            }
+
+
+            return response_data
+
+        except ValidationError as err:
+
+            logger.error(f"Validation Error: {getattr(err, 'messages', str(err))}")
+
+            return jsonify({
+                "message": "Validation exception"
+                }) , 422
+        
+        except  ValueError as err:
+            logger.error(f"{getattr(err, 'messages', str(err))}")
+
+            return jsonify({
+                "message": str(err)
+                }) , 400
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            return jsonify({
+                "message": "Internal Server Error"
+                }) , 500

app/api/services/notification_callback.py

@@ -0,0 +1,62 @@
+from flask import request, jsonify
+from marshmallow import ValidationError
+from app.api.services.base_service import BaseService
+from app.api.enums import TransactionType   
+from app.utils.logger import logger
+from app.api.schemas.notification_callback import NotificationCallbackSchema   
+
+class NotificationCallbackService(BaseService):
+    TRANSACTION_TYPE = TransactionType.NOTIFICATION_CALLBACK 
+
+    @staticmethod
+    def process_request(data):
+        """
+        Process the NotificationCallback request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            logger.info("Processing NotificationCallback request")
+
+            # Validate input data using the NotificationCallback schema
+            schema = NotificationCallbackSchema()
+            validated_data = schema.load(data)  # Raises ValidationError if invalid
+
+            # Simulated processing logic
+            response_data = {
+                "resultCode": "00",
+                "resultDescription": "Successful"
+            }
+
+
+            # return ResponseHelper.success(
+            #     data=response_data,
+            #     message="Notification callback processed successfully"
+            # )
+
+            return response_data
+
+        except ValidationError as err:
+
+            logger.error(f"Validation Error: {getattr(err, 'messages', str(err))}")
+
+            return jsonify({
+                "message": "Validation exception"
+                }) , 422
+        
+        except  ValueError as err:
+            logger.error(f"{getattr(err, 'messages', str(err))}")
+
+            return jsonify({
+                "message": str(err)
+                }) , 400
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            return jsonify({
+                "message": "Internal Server Error"
+                }) , 500

app/api/services/provide_loan.py

@@ -0,0 +1,109 @@
+from flask import request, jsonify
+from marshmallow import ValidationError
+from app.api.integrations.kafka import KafkaIntegration
+from app.api.services.base_service import BaseService
+from app.api.enums import TransactionType   
+from app.utils.logger import logger
+from app.api.schemas.provide_loan import ProvideLoanSchema
+from threading import Thread
+from app.models.loan import Loan
+from app.api.enums import LoanStatus
+
+class ProvideLoanService(BaseService):
+    TRANSACTION_TYPE = TransactionType.PROVIDE_LOAN 
+
+
+    @staticmethod
+    def process_request(data):
+        """
+        Process the ProvideLoan request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            validated_data = ProvideLoanService.validate_data(data, ProvideLoanSchema())
+            account_id = validated_data.get('accountId')
+            customer_id =  validated_data.get('customerId')
+            request_id =  validated_data.get('requestId')
+            transaction_id = validated_data.get('transactionId')
+
+            if (ProvideLoanService.validate_account_ownership(account_id = account_id, customer_id = customer_id)):
+
+                # Save the loan details  
+                loan = Loan.create_loan(
+                    customer_id=customer_id,
+                    account_id=account_id,
+                    offer_id=validated_data.get('offerId'),
+                    principal_amount=validated_data.get('requestedAmount'),
+                    status=LoanStatus.ACTIVE
+                )
+
+                if not loan:
+                    logger.error(f"Failed to save loan details")
+                    return jsonify({
+                        "message": "Failed to save loan details."
+                    }), 400
+                
+                # Log Transaction
+                transaction = ProvideLoanService.log_transaction(validated_data = validated_data)
+
+                if not transaction:
+                    logger.error(f"Failed to log transaction")
+                    return jsonify({
+                        "message": "Failed to log transaction."
+                    }), 400
+
+            
+                
+            else: 
+                return jsonify({
+                        "message": "Invalid Customer or Account"
+                    }), 400
+           
+           
+            response_data = {
+                "requestId": request_id,
+                "transactionId": transaction_id,
+                "customerId": customer_id,
+                "accountId": account_id,
+                "msisdn": "3451342",
+                "resultCode": "00",
+                "resultDescription": "Successful"
+                }
+
+
+            # KafkaIntegration.send_loan_request(loan_data = response_data, request_id = request_id)
+            # Call Kafka in a background thread
+            thread = Thread(target=ProvideLoanService.async_send_to_kafka, args=(response_data, request_id, "PROCESS_PAYMENT"))
+            thread.start()
+
+            return response_data
+
+        except ValidationError as err:
+
+            logger.error(f"Validation Error: {getattr(err, 'messages', str(err))}")
+
+            return jsonify({
+                "message": "Validation exception"
+                }) , 422
+        
+        except  ValueError as err:
+            logger.error(f"{getattr(err, 'messages', str(err))}")
+
+            return jsonify({
+                "message": str(err)
+                }) , 400
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            return jsonify({
+                "message": "Internal Server Error"
+                }) , 500
+        
+    
+ 
+

app/api/services/repayment.py

@@ -0,0 +1,106 @@
+from flask import request, jsonify
+from marshmallow import ValidationError
+from app.api.enums.loan_status import LoanStatus
+from app.models import Repayment
+from app.models.loan import Loan
+from app.utils.logger import logger
+from app.api.schemas.repayment import RepaymentSchema
+from app.api.services.base_service import BaseService
+from app.api.enums import TransactionType 
+from threading import Thread     
+
+class RepaymentService(BaseService):
+    TRANSACTION_TYPE = TransactionType.REPAYMENT 
+
+    @staticmethod
+    def process_request(data):
+        """
+        Process the Repayment request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            validated_data = RepaymentService.validate_data(data, RepaymentSchema())
+            customer_id =  validated_data.get('customerId')
+            customer = RepaymentService.get_or_create_customer(validated_data)
+            account = customer.accounts[0]
+            validated_data['accountId'] = account.id
+            request_id =  validated_data.get('requestId')
+            loan_id = validated_data.get('debtId')
+
+
+            if (RepaymentService.validate_account_ownership(account_id = account.id, customer_id = customer_id)):
+
+                # Save the repayment details  
+                repayment = Repayment.create_repayment(
+                    customer_id = customer_id,
+                    loan_id = loan_id,
+                    product_id = validated_data.get('productId')
+
+                )
+
+                if not repayment:
+                    logger.error(f"Failed to save repayment details")
+                    return jsonify({
+                        "message": "Failed to save repayment details."
+                    }), 400
+                
+                #Update Loan status
+                Loan.update_status(loan_id = loan_id, status = LoanStatus.REPAID)
+                
+                transaction = RepaymentService.log_transaction(validated_data = validated_data)
+
+                if not transaction:
+                    logger.error(f"Failed to log transaction")
+                    return jsonify({
+                        "message": "Failed to log transaction."
+                    }), 400
+            else: 
+                return jsonify({
+                        "message": "Invalid Customer or Account"
+                    }), 400
+
+            # Simulated processing logic
+            response_data = {
+                "customerId": "CN621868",
+                "productId": "101",
+                "debtId": "273194670",
+                "resultCode": "00",
+                "resultDescription": "Successful"
+            }
+
+            # return ResponseHelper.success(
+            #     data=response_data,
+            #     message="Repayment processed successfully"
+            # )
+
+            # Call Kafka in a background thread
+            thread = Thread(target=RepaymentService.async_send_to_kafka, args=(response_data, request_id, "LOAN_REPAYMENT"))
+            thread.start()
+
+            return response_data
+
+        except ValidationError as err:
+
+            logger.error(f"Validation Error: {getattr(err, 'messages', str(err))}")
+
+            return jsonify({
+                "message": "Validation exception"
+                }) , 422
+        
+        except  ValueError as err:
+            logger.error(f"{getattr(err, 'messages', str(err))}")
+
+            return jsonify({
+                "message": str(err)
+                }) , 400
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            return jsonify({
+                "message": "Internal Server Error"
+                }) , 500

app/api/services/select_offer.py

@@ -0,0 +1,93 @@
+from flask import request, jsonify
+from marshmallow import ValidationError
+from app.api.services.base_service import BaseService
+from app.api.enums import TransactionType   
+from app.utils.logger import logger
+from app.api.schemas.select_offer import SelectOfferSchema
+
+class SelectOfferService(BaseService):
+    TRANSACTION_TYPE = TransactionType.SELECT_OFFER 
+
+    @staticmethod
+    def process_request(data):
+        """
+        Process the SelectOffer request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            validated_data = SelectOfferService.validate_data(data, SelectOfferSchema())
+            account_id = validated_data.get('accountId')
+            customer_id =  validated_data.get('customerId')
+
+            if (SelectOfferService.validate_account_ownership(account_id = account_id, customer_id = customer_id)):
+                transaction = SelectOfferService.log_transaction(validated_data = validated_data)
+
+                if not transaction:
+                    logger.error(f"Failed to log transaction")
+                    return jsonify({
+                        "message": "Failed to log transaction."
+                    }), 400
+            else: 
+                return jsonify({
+                        "message": "Invalid Customer or Account"
+                    }), 400
+         
+            offers = [
+                    {
+                    "offerId": "14451",
+                    "productId": "2030",
+                    "amount": 10000.0,
+                    "upfrontPayment": 1000.0,
+                    "interestRate": 3.0,
+                    "managementRate": 1.0,
+                    "managementFee": 1.0,
+                    "insuranceRate": 1.0,
+                    "insuranceFee": 100.0,
+                    "VATRate": 7.5,
+                    "VATAmount": 100.0,
+                    "recommendedRepaymentDates": ["2022-11-30"],
+                    "installmentAmount": 11000.0,
+                    "totalRepaymentAmount": 11000.0
+                    }
+                ]
+
+            # Business logic - selecting an offer
+            response_data = {
+                "outstandingDebtAmount": 0,
+                "requestId": "202111170001371256908",
+                "transactionId": transaction.id,
+                "customerId": customer_id,
+                "accountId": account_id,
+                "loan": offers,
+                "resultCode": "00",
+                "resultDescription": "Successful"
+                }
+
+
+            return response_data
+
+        except ValidationError as err:
+
+            logger.error(f"Validation Error: {getattr(err, 'messages', str(err))}")
+
+            return jsonify({
+                "message": "Validation exception"
+                }) , 422
+        
+        except  ValueError as err:
+            logger.error(f"{getattr(err, 'messages', str(err))}")
+
+            return jsonify({
+                "message": str(err)
+                }) , 400
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            return jsonify({
+                "message": "Internal Server Error"
+                }) , 500