Merge branch 'penal_charge' of DigiFi/digifi-BankEmulator into master

pulled latest master changes

app/__init__.py

@@ -1,17 +1,21 @@
-from flask import Flask
+from flask import Flask, jsonify
 import os
 from flask_swagger_ui import get_swaggerui_blueprint
 from flask_cors import CORS
 from app.config import Config
-from app.api.routes import api
+from app.api.routes import api, auth_bp
 from app.errors import register_error_handlers
+from flask_jwt_extended import JWTManager
 
 def create_app():
     """ Factory function to create a Flask app instance """
     app = Flask(__name__)
+    
+   
 
     # Load configuration
     app.config.from_object(Config)
+    jwt = JWTManager(app)
 
     CORS(app)
 
@@ -21,11 +25,36 @@ def create_app():
 
     # Register blueprints with /api prefix for the main API routes
     app.register_blueprint(api, url_prefix='/api')
+    # Register blueprints with /auth prefix for the authentication routes
+    app.register_blueprint(auth_bp, url_prefix='/api/Auth')
 
     swagger_ui_blueprint = get_swaggerui_blueprint(SWAGGER_URL, API_URL)
     app.register_blueprint(swagger_ui_blueprint, url_prefix=SWAGGER_URL)
+    
+    def jwt_error(message, code=401):
+        return jsonify({
+            "status": "error",
+            "message": message
+        }), code
 
 
+    @jwt.unauthorized_loader
+    def unauthorized_response(callback):
+        return jwt_error("Unauthorized access")
+
+    @jwt.expired_token_loader
+    def expired_token_callback(jwt_header, jwt_payload):
+        return jwt_error("Expired token")
+
+    @jwt.invalid_token_loader
+    def invalid_token_callback(error):
+        return jwt_error("Invalid authentication token.", 422)
+
+    @jwt.revoked_token_loader
+    def revoked_token_callback(jwt_header, jwt_payload):
+        return jwt_error("This token has been revoked. Please log in again.")
+
+   
     # Error Handlers
     register_error_handlers(app)
 

app/api/middlewares/__init__.py

@@ -1,3 +1,3 @@
 from .verify_api_key import require_api_key
 from .app_id_checker import require_app_id
-from .cors import enforce_json
+from .cors import enforce_json

app/api/middlewares/cors.py

@@ -1,4 +1,5 @@
 from flask import request, jsonify
+from app.utils.logger import logger
 
 
 def enforce_json():

app/api/routes/__init__.py

@@ -1 +1,2 @@
 from .routes import api 
+from .authentication import auth_bp

app/api/routes/authentication.py

@@ -0,0 +1,24 @@
+from flask import Blueprint, request, jsonify
+from app.utils.logger import logger
+from app.api.middlewares import  enforce_json
+from app.api.services.generate_token import GenerateTokenService
+
+
+auth_bp = Blueprint("api/Auth", __name__)
+
+# Enforce json
+@auth_bp.before_request
+def cors_middleware():
+    """Middleware applied globally to all API routes in this blueprint"""
+    return enforce_json()
+
+@auth_bp.route('/generate-token', methods=['POST'])
+def get_token():
+    try:
+        data = request.get_json()
+        logger.info(f"GenerateToken request received: {data}")
+        response = GenerateTokenService.process_request(data)
+        return response
+    except Exception as e:
+        logger.exception("Unhandled exception in /GenerateToken route", exc_info=e)
+        return jsonify({"message": "Unhandled server error"}), 500

app/api/routes/routes.py

@@ -1,4 +1,5 @@
 from flask import Flask, Blueprint, request, jsonify,  send_from_directory
+import sys
 import os
 from app.api.services import (
     RACCheckService,
@@ -10,10 +11,14 @@ from app.api.services import (
     TokenValidationService,
     LienCheckService,
     NewTransactionCheckService,
-    CompleteRACcheckService
+    CompleteRACcheckService,
+    VerifyAccountBalanceService
 )
 from app.utils.logger import logger
-from app.api.middlewares import require_api_key, require_app_id, enforce_json 
+from app.api.middlewares import  enforce_json
+from flask_jwt_extended import (jwt_required)
+
+
 
 
 api = Blueprint("api", __name__)
@@ -41,21 +46,37 @@ def serve_paths(filename):
 
 # RACCheck Endpoint
 @api.route('/rac-check', methods=['POST'])
-@require_api_key
-@require_app_id
+@jwt_required()
 def rac_check():
+    logger.info("RACCheck request received")
     try:
+        logger.info("RACCheck inside try request received")
         data = request.get_json()
         response = RACCheckService.process_request(data)
         return response
     except Exception as e:
         logger.exception("Unhandled exception in /RACCheck route")
         return jsonify({"message": "Unhandled server error"}), 500
+    
+
+
+# VerifyAccountBalance Endpoint
+@api.route('/VerifyAccountBalance', methods=['POST'])
+@jwt_required()
+def verify_account_balance():
+    logger.info("VerifyAccountBalance request received")
+    try:
+        logger.info("VerifyAccountBalance inside try request received")
+        data = request.get_json()
+        response = VerifyAccountBalanceService.process_request(data)
+        return response
+    except Exception as e:
+        logger.exception("Unhandled exception in /VerifyAccountBalance route")
+        return jsonify({"message": "Unhandled server error"}), 500
 
 # CompleteRACcheck Endpoint
 @api.route('/CompleteRACcheck', methods=['POST'])
-@require_api_key
-@require_app_id
+@jwt_required()
 def complete_rac_check():
     try:
         data = request.get_json()
@@ -67,8 +88,7 @@ def complete_rac_check():
 
 # Disbursement Endpoint
 @api.route('/DisburseLoan', methods=['POST'])
-@require_api_key
-@require_app_id
+@jwt_required()
 def disbursement():
     try:
         data = request.get_json()
@@ -81,8 +101,7 @@ def disbursement():
 
 # CollectLoan Endpoint
 @api.route('/CollectLoan', methods=['POST'])
-@require_api_key
-@require_app_id
+@jwt_required()
 def collect_loan():
     try:
         data = request.get_json()
@@ -95,8 +114,7 @@ def collect_loan():
 
 # TransactionVerify Endpoint
 @api.route('/TransactionVerify', methods=['POST'])
-@require_api_key
-@require_app_id
+@jwt_required()
 def transaction_verify():
     try:
         data = request.get_json()
@@ -107,25 +125,22 @@ def transaction_verify():
         logger.exception("Unhandled exception in /TransactionVerify route")
         return jsonify({"message": "Unhandled server error"}), 500
 
-# PenalCharge Endpoint
-@api.route('/CollectPenalFee', methods=['POST'])
-@require_api_key
-@require_app_id
+# CollectPenalCharge Endpoint
+@api.route('/CollectPenalCharge', methods=['POST'])
+@jwt_required()
 def penal_charge():
     try:
         data = request.get_json()
-        # logger.info(f"PenalCharge request received: {data}")
         response = PenalChargeService.process_request(data)
         return response
     except Exception as e:
-        logger.exception("Unhandled exception in /PenalCharge route")
+        logger.exception("Unhandled exception in /CollectPenalCharge route")
         return jsonify({"message": "Unhandled server error"}), 500
 
 
 # RevokeEnableConsent Endpoint
 @api.route('/RevokeEnableConsent', methods=['POST'])
-@require_api_key
-@require_app_id
+@jwt_required()
 def revoke_enable_consent():
     data = request.get_json()
     # logger.info(f"RevokeEnableConsent request received: {data}")
@@ -134,8 +149,7 @@ def revoke_enable_consent():
 
 # TokenValidation Endpoint
 @api.route('/TokenValidation', methods=['POST'])
-@require_api_key
-@require_app_id
+@jwt_required()
 def token_validation():
     data = request.get_json()
     # logger.info(f"TokenValidation request received: {data}")
@@ -144,8 +158,7 @@ def token_validation():
 
 # LienCheck Endpoint
 @api.route('/LienCheck', methods=['POST'])
-@require_api_key
-@require_app_id
+@jwt_required()
 def lien_check():
     data = request.get_json()
     # logger.info(f"LienCheck request received: {data}")
@@ -154,15 +167,42 @@ def lien_check():
 
 # NewTransactionCheck Endpoint
 @api.route('/NewTransactionCheck', methods=['POST'])
-@require_api_key
-@require_app_id
+@jwt_required()
 def new_transaction_check():
     data = request.get_json()
     # logger.info(f"NewTransactionCheck request received: {data}")
     response = NewTransactionCheckService.process_request(data)
     return response
 
+
 # Health Check Endpoint
-@api.route('/health', methods=['GET'])
+@api.route('/system-health-check', methods=['GET'])
+@jwt_required()
 def health_check():
-    return {"status": "ok"} , 200
+    """Basic system health check"""
+    try:
+        checks = {
+            "python_version": sys.version_info >= (3, 6), 
+            "disk_space": os.statvfs('/').f_bavail * os.statvfs('/').f_frsize > 500 * 1024 * 1024, 
+            "system_operational": True
+        }
+        
+        if all(checks.values()):
+            return jsonify({
+                "status": "Active",
+                "responseCode": "00",
+                "responseMessage": "Successful"
+            }), 200
+        else:
+            return jsonify({
+                "status": "Degraded",
+                "responseCode": "01",
+                "responseMessage": "System check failed"
+            }), 200
+            
+    except Exception as e:
+        return jsonify({
+            "status": "Error",
+            "responseCode": "99",
+            "responseMessage": f"Health check failed: {str(e)}"
+        }), 500

app/api/schemas/collect_loan.py

@@ -16,15 +16,20 @@ class CollectLoanSchema(Schema):
     comment = fields.Str(allow_none=True)          
 
 class CollectLoanResponseSchema(Schema):
-    responseCode = fields.Str(allow_none=True)
-    responseDescr = fields.Str(allow_none=True)
-    fullDescription = fields.Str(allow_none=True)
     transactionId = fields.Str(allow_none=True)
+    fbnTransactionId = fields.Str(allow_none=True)
     debtId = fields.Str(allow_none=True)
     customerId = fields.Str(allow_none=True)
     accountId = fields.Str(allow_none=True)
     productId = fields.Str(allow_none=True)
     amountCollected = fields.Float(required=True)
+    interestCollected = fields.Float(required=True)
+    penalChargeCollected = fields.Float(required=True)
+    lienAmount = fields.Float(required=True)
     countryId = fields.Str(allow_none=True)
     comment = fields.Str(allow_none=True)
+    responseCode = fields.Str(allow_none=True)
     responseMessage = fields.Str(allow_none=True)
+    responseDescr = fields.Str(allow_none=True)
+    fullDescription = fields.Str(allow_none=True)
+

app/api/schemas/disbursement.py

@@ -2,7 +2,7 @@ from marshmallow import Schema, fields
 
 class DisbursementSchema(Schema):
     transactionId = fields.Str(required=False, allow_none=True)
-    FbnTransactionId = fields.Str(required=False, allow_none=True)
+    fbnTransactionId = fields.Str(required=False, allow_none=True)
     debtId = fields.Str(required=False, allow_none=True)
     customerId = fields.Str(required=False, allow_none=True)
     accountId = fields.Str(required=False, allow_none=True)
@@ -14,6 +14,7 @@ class DisbursementSchema(Schema):
     collectAmountVAT = fields.Float(required=True)
     countryId = fields.Str(required=False, allow_none=True)
     comment = fields.Str(required=False, allow_none=True)
+    
 
 
 class DisburseLoanResponseSchema(Schema):
@@ -31,5 +32,12 @@ class DisburseLoanResponseSchema(Schema):
     countryId = fields.Str(allow_none=True)
     responseCode = fields.Str(allow_none=True)
     responseMessage = fields.Str(allow_none=True)
+    disburseResult = fields.Str(allow_none=True)
+    disburseDate = fields.Str(allow_none=True)
+    disburseVerify = fields.Str(allow_none=True)
+    disburseDescription = fields.Str(allow_none=True)
+    verifyResult = fields.Str(allow_none=True)
+    verifyDescription = fields.Str(allow_none=True)
+    
 
     

app/api/schemas/generate_token.py

@@ -0,0 +1,18 @@
+from marshmallow import Schema, fields
+
+
+class GenerateTokenRequestSchema(Schema):
+    username = fields.Str(required=True)
+    password = fields.Str(required=True)
+    grant_type = fields.Str(required=True)
+    
+
+class GenerateTokenResponseSchema(Schema):
+    access_token = fields.Str(required=True)
+    token_type = fields.Str(required=True)
+    expires_in = fields.Int(required=True)
+    userName = fields.Str(required=False, allow_none=True)
+    ipaddress = fields.Str(required=False, allow_none=True)
+    errorMessage = fields.Str(required=False, allow_none=True)
+    issued = fields.DateTime(required=False, allow_none=True)
+    expires = fields.DateTime(required=False, allow_none=True)

app/api/schemas/penal_charge.py

@@ -2,22 +2,23 @@ from marshmallow import Schema, fields
 
 # This file contains the schema for penal charge operations
 class PenalChargeSchema(Schema):
-    channel = fields.Str(allow_none=True)
-    transactionId = fields.Str(allow_none=True)
-    fbnTransactionId = fields.Str(allow_none=True)
-    debtId = fields.Str(allow_none=True)
-    accountId = fields.Str(allow_none=True)
-    penalCharge = fields.Float(required=True)
-    customerId = fields.Str(allow_none=True)
-    lienAmount = fields.Float(required=True)
-    comment = fields.Str(allow_none=True)
-    countryId = fields.Str(allow_none=True)
+    channel = fields.Str(required=True)
+    transactionId = fields.Str(required=True)
+    fbnTransactionId = fields.Str(required=True)
+    debtId = fields.Str(required=True)
+    accountId = fields.Str(required=True)
+    penalCharge = fields.Int(required=True)
+    customerId = fields.Str(required=True)
+    lienAmount = fields.Int(required=True)
+    comment = fields.Str(required=True)
+    countryId = fields.Str(required=True)
 
 #represents the response schema for penal charge
 class CollectPenalFeeResponseSchema(Schema):
     customerId = fields.Str(allow_none=True)
     transactionId = fields.Str(allow_none=True)
     amountCollected = fields.Float(required=True)
+    lienAmount = fields.Int(allow_none=True)
     accountId = fields.Str(allow_none=True)
     responseCode = fields.Str(allow_none=True)
     responseMessage = fields.Str(allow_none=True)

app/api/schemas/transaction_verify.py

@@ -1,6 +1,6 @@
 from marshmallow import Schema, fields
 
-class TransactionVerifySchema(Schema):
+class TransactionVerifySchemaNotGood(Schema):
     channel = fields.Str(allow_none=True)
     accountId = fields.Str(allow_none=True)
     customerId = fields.Str(allow_none=True)
@@ -9,13 +9,38 @@ class TransactionVerifySchema(Schema):
     countryId = fields.Str(allow_none=True)
     requestId = fields.Str(allow_none=True)
 
+class TransactionVerifySchema(Schema):
+    customerId = fields.Str(allow_none=True)
+    accountId = fields.Str(allow_none=True)
+    transactionId = fields.Str(allow_none=True)
+    transactionType = fields.Str(allow_none=True)
+    fbnTransactionId = fields.Str(allow_none=True)
+    countryId = fields.Str(allow_none=True)
+    requestId = fields.Str(allow_none=True)
+
 class TransactionVerifyResponseSchema(Schema):
     responseCode = fields.Str(allow_none=True)
     responseDescr = fields.Str(allow_none=True)
-    fullDescription = fields.Str(allow_none=True)
+    responseMessage = fields.Str(allow_none=True)
     customerId = fields.Str(allow_none=True)
     accountId = fields.Str(allow_none=True)
     providedAmount = fields.Float(required=True)
     collectedAmount = fields.Float(required=True)
     transactionId = fields.Str(allow_none=True)
-    transactionType = fields.Str(allow_none=True)
+    transactionType = fields.Str(allow_none=True)
+
+
+#     '''
+
+# verify_data = {
+#     "customerId": loan_data.get('customerId'),
+#     "accountId": loan_data.get('accountId'),
+#     "transactionId": loan_data.get('transactionId'),
+#     "transactionType": "provide",
+#     "fbnTransactionId": loan_data.get('transactionId'),
+#     "countryId": "NG",
+#     "requestId": loan_data.get('transactionId')
+# }
+
+
+#     '''

app/api/schemas/verify_account_balance.py

@@ -0,0 +1,10 @@
+from marshmallow import Schema, fields
+
+from marshmallow import Schema, fields
+from datetime import date
+
+
+class VerifyAccountBalanceSchema(Schema):
+    accountId = fields.Str(required=True)
+    amount = fields.Str(required=True)
+    requestId = fields.Str(required=True)

app/api/services/__init__.py

@@ -8,3 +8,5 @@ from app.api.services.token_validation import TokenValidationService
 from app.api.services.lien_check import LienCheckService
 from app.api.services.new_transaction_check import NewTransactionCheckService
 from app.api.services.complete_rac_check_service import CompleteRACcheckService
+from app.api.services.generate_token import GenerateTokenService
+from  app.api.services.verify_account_balance import VerifyAccountBalanceService

app/api/services/collect_loan.py

@@ -1,21 +1,23 @@
+import random
 from flask import request, jsonify
 from marshmallow import ValidationError
 from app.utils.logger import logger
 from app.api.helpers.response_helper import ResponseHelper
-from app.api.schemas.collect_loan import CollectLoanSchema, CollectLoanResponseSchema   
+from app.api.schemas.collect_loan import CollectLoanSchema, CollectLoanResponseSchema
+from app.config import Config
 
+"""
+Process the CollectLoan request.
+
+Args:
+    data (dict): The request data.
+
+Returns:
+    tuple: JSON response and status code.
+"""
 class CollectLoanService:
     @staticmethod
     def process_request(data):
-        """
-        Process the CollectLoan request.
-
-        Args:
-            data (dict): The request data.
-
-        Returns:
-            tuple: JSON response and status code.
-        """
         try:
             logger.info("Processing CollectLoan request")
 
@@ -23,21 +25,63 @@ class CollectLoanService:
             schema = CollectLoanSchema()
             validated_data = schema.load(data)
 
-            # Simulated processing logic
-            response_data = {
-                "transactionId": validated_data.get("transactionId", "T002"),
-                "debtId": validated_data.get("debtId", "273194670"),
-                "customerId": validated_data.get("customerId", "CN621868"),
-                "accountId": validated_data.get("accountId", "2017821799"),
-                "productId": validated_data.get("productId", "101"),
-                "amountCollected": validated_data.get("collectAmount", 60000.00),
-                "countryId": validated_data.get("countryId", "01"),
-                "comment": validated_data.get("comment", "Testing CollectionLoanRequest"),
-                "responseCode": "00",
-                "responseDescr": "Loan Collection Successful",
-                "fullDescription": "Loan collection completed successfully",
-                "responseMessage": "Loan collection completed successfully"
-            }
+            amountForCollection =  validated_data.get("collectAmount")
+            productId = validated_data.get("productId")
+            customerId = validated_data.get("customerId")
+            amountCollected = amountForCollection
+            responseDescr= "Loan Collection Successful EMULATOR"
+            fullDescription= "Loan collection completed successfully EMULATOR"
+            responseMessage= "Loan collection completed successfully EMULATOR"
+            interestCollected = amountForCollection * 0.03 
+            lienAmount = validated_data.get("lienAmount", 0)
+
+            isValid = not (
+                int(customerId[-1]) in [2, 7, 9]
+            )
+            if Config.MIN_AMOUNT_FOR_COLLECTION <= amountForCollection <= Config.MAX_AMOUNT_FOR_COLLECTION:
+                # amountCollected = amountForCollection if lienAmount >= amountForCollection else 0
+                responseDescr = "Partial Loan Collection Successful EMULATOR"
+                fullDescription = "Partial Loan collection completed successfully EMULATOR"
+                responseMessage = "Partial Loan collection completed successfully EMULATOR"
+
+                response_data = {
+                    "transactionId": validated_data.get("transactionId"),
+                    "fbnTransactionId": validated_data.get("fbnTransactionId"),
+                    "debtId": validated_data.get("debtId"),
+                    "customerId": validated_data.get("customerId"),
+                    "accountId": validated_data.get("accountId"),
+                    "productId": validated_data.get("productId"),
+                    "amountCollected": amountCollected,
+                    "interestCollected": interestCollected,
+                    "penalChargeCollected": 0,
+                    "lienAmount": lienAmount if amountCollected == 0 else 0,
+                    "countryId": validated_data.get("countryId"),
+                    "comment": validated_data.get("comment", "Testing CollectionLoanRequest EMULATOR"),
+                    "responseCode": "00",
+                    "responseDescr": responseDescr,
+                    "fullDescription": fullDescription,
+                    "responseMessage": responseMessage
+                }
+
+            else:
+                response_data = {
+                    "transactionId": validated_data.get("transactionId"),
+                    "fbnTransactionId": validated_data.get("fbnTransactionId"),
+                    "debtId": validated_data.get("debtId"),
+                    "customerId": validated_data.get("customerId"),
+                    "accountId": validated_data.get("accountId"),
+                    "productId": validated_data.get("productId"),
+                    "amountCollected": amountCollected,
+                    "interestCollected": interestCollected,
+                    "penalChargeCollected": 0,
+                    "amountCollected": amountCollected,
+                    "countryId": validated_data.get("countryId"),
+                    "comment": validated_data.get("comment", "Testing CollectionLoanRequest EMULATOR"),
+                    "responseCode": "00",
+                    "responseDescr": responseDescr,
+                    "fullDescription": fullDescription,
+                    "responseMessage": responseMessage
+                }
 
             # Validate and serialize the response data
             response_schema = CollectLoanResponseSchema()

app/api/services/disbursement.py

@@ -2,6 +2,7 @@ from flask import request, jsonify
 from marshmallow import ValidationError
 from app.utils.logger import logger
 from app.api.schemas.disbursement import DisbursementSchema, DisburseLoanResponseSchema
+import datetime
 
 class DisbursementService:
     @staticmethod
@@ -26,7 +27,7 @@ class DisbursementService:
             # For demo purposes, we simulate a response using the validated data
             response_data = {
                 "transactionId": validated_data.get("transactionId"),
-                "FbnTransactionId": validated_data.get("FbnTransactionId"),  # Example or generated value
+                "fbnTransactionId": validated_data.get("fbnTransactionId"),  # Example or generated value
                 "debtId": validated_data.get("debtId"),
                 "customerId": validated_data.get("customerId"),
                 "accountId": validated_data.get("accountId"),
@@ -38,7 +39,13 @@ class DisbursementService:
                 "collectAmountVAT": validated_data.get("collectAmountVAT"),
                 "countryId": validated_data.get("countryId"),
                 "responseCode": "00",  # success code example
-                "responseMessage": "Loan Request Completed Successfully!"
+                "responseMessage": "Loan Request Completed Successfully!",
+                "disburseVerify": datetime.datetime.now().isoformat(),
+                "verifyResult": "00",
+                "verifyDescription": "Collect Status retrieved successfully.",
+                "disburseDate": datetime.datetime.now().isoformat(),
+                "disburseResult": "00",
+                "disburseDescription": "Loan Request Completed Successfully!",
             }
 
             # Serialize response

app/api/services/generate_token.py

@@ -0,0 +1,89 @@
+import datetime
+from datetime import timedelta
+from flask import request, jsonify
+from marshmallow import ValidationError
+from app.utils.logger import logger
+from app.api.helpers.response_helper import ResponseHelper
+from app.api.schemas.generate_token import GenerateTokenRequestSchema, GenerateTokenResponseSchema
+from app.config import Config
+from flask_jwt_extended import (
+    create_access_token,
+)
+
+
+class GenerateTokenService:
+    USERNAME = Config.BANK_CALL_BASIC_AUTH_USERNAME
+    PASSWORD = Config.BANK_CALL_BASIC_AUTH_PASSWORD
+    TYPE = Config.BANK_GRANT_TYPE
+    @staticmethod
+    def process_request(data):
+        """
+        Process the GenerateToken request.
+
+        Args:
+            data (dict): The request JSON payload.
+
+        Returns:
+            tuple: (JSON response, status code)
+        """
+        try:
+            logger.info("Processing GenerateToken request")
+
+            # Step 1: Validate input using schema
+            schema = GenerateTokenRequestSchema()
+            validated_data = schema.load(data)
+            
+            logger.info(f"Validated data: {validated_data}")
+
+            username = validated_data.get("username")
+            password = validated_data.get("password")
+            grant_type = validated_data.get("grant_type")
+            
+            if password != GenerateTokenService.PASSWORD or username != GenerateTokenService.USERNAME or grant_type != GenerateTokenService.TYPE:
+                return {
+                    "message": "Invalid credentials",
+                    "status": 401
+                }
+               
+            expires_in = 1800
+            identity = username
+            # Step 2: Generate JWT token
+            access_token = create_access_token(identity=identity, expires_delta=timedelta(seconds=expires_in))
+
+            # Step 3: Get client IP address
+            ipaddress = request.remote_addr or "127.0.0.1"
+
+            # Step 4: Build response timestamps
+            issued_time = datetime.datetime.utcnow()
+            expires_time = issued_time + datetime.timedelta(seconds=expires_in)
+
+            # Step 5: Construct response payload
+            response_data = {
+                "access_token": access_token,
+                "token_type": "bearer",
+                "expires_in": expires_in,
+                "userName": username,
+                "ipaddress": ipaddress,
+                "errorMessage": "",
+                "issued": issued_time,
+                "expires": expires_time
+            }
+
+            # Serialize with response schema
+            response_schema = GenerateTokenResponseSchema()
+            response_json = response_schema.dump(response_data)
+
+            return jsonify(response_json), 200
+
+        except ValidationError as err:
+            logger.error(f"Validation Error: {err.messages}")
+            return jsonify({
+                "message": "Validation exception",
+                "errors": err.messages
+            }), 422
+
+        except Exception as e:
+            logger.error(f"An error occurred while generating token: {str(e)}", exc_info=True)
+            return jsonify({
+                "message": "Internal Server Error"
+            }), 500

app/api/services/penal_charge.py

@@ -2,7 +2,10 @@ from flask import request, jsonify
 from marshmallow import ValidationError
 from app.utils.logger import logger
 from app.api.helpers.response_helper import ResponseHelper
-from app.api.schemas.penal_charge import PenalChargeSchema, CollectPenalFeeResponseSchema
+from app.api.schemas.penal_charge import (
+    PenalChargeSchema,
+    CollectPenalFeeResponseSchema,
+)
 
 
 class PenalChargeService:
@@ -24,14 +27,20 @@ class PenalChargeService:
             schema = PenalChargeSchema()
             validated_data = schema.load(data)
 
-            # Simulated processing logic
+            customerId = validated_data["customerId"]
+            transactionId = validated_data["transactionId"]
+            penalCharge = validated_data["penalCharge"]
+            accountId = validated_data["accountId"]
+            lienAmount = validated_data["lienAmount"]
+
             response_data = {
-                "customerId": validated_data.get("customerId"),
-                "transactionId": validated_data.get("transactionId"),
-                "amountCollected": validated_data.get("penalCharge", 0.0),
-                "accountId": validated_data.get("accountId"),
                 "responseCode": "00",
-                "responseMessage": "Penal charge debited successfully"
+                "responseMessage": "Penal Collection Successful",
+                "customerId": customerId,
+                "transactionId": transactionId,
+                "amountCollected": penalCharge,
+                "lienAmount": lienAmount,
+                "accountId": accountId,
             }
 
             # Optionally validate/serialize response using schema
@@ -42,13 +51,11 @@ class PenalChargeService:
 
         except ValidationError as err:
             logger.error(f"Validation Error: {err.messages}")
-            return jsonify({
-                "message": "Validation exception",
-                "errors": err.messages
-            }), 422
+            return (
+                jsonify({"message": "Validation exception", "errors": err.messages}),
+                422,
+            )
 
         except Exception as e:
             logger.error(f"An error occurred: {str(e)}", exc_info=True)
-            return jsonify({
-                "message": "Internal Server Error"
-            }), 500
+            return jsonify({"message": "Internal Server Error"}), 500

app/api/services/rac_check.py

@@ -25,53 +25,64 @@ class RACCheckService:
             schema = RACCheckSchema()
             validated_data = schema.load(data)
 
-            # Simulated RAC check logic — create racResponse manually or via logic
-            # rac_response = {
-            #     "hasSalaryAccount": True,
-            #     "bvnValidated": True,
-            #     "creditBureauCheck": False,
-            #     "crmsCheck": True,
-            #     "accountStatus": True,
-            #     "hasLien": False,
-            #     "noBouncedCheck": True,
-            #     "isWhitelisted": True,
-            #     "hasPastDueLoan": False
-            # }
+            customer_id = validated_data["customerId"]
+            is_valid = True
+
+
+            try:
+                salary_count = int(str(customer_id)[-1]) + 1
+                if salary_count < 1 or salary_count > 6:
+                    salary_count = 3 
+            except ValueError:
+                salary_count = 3 
+
+            salary_payments = {}
+            total_salary = 0
+
+            for i in range(1, salary_count + 1):
+                salary = (((salary_count + i) * 7919) % 200000 + 10000) * 5
+                salary_payments[f"salarypaymenT_{i}"] = salary
+                total_salary += salary
+
+            average_salary = total_salary // salary_count if salary_count > 0 else 0
+
 
             rac_response = {
-                "PROCESS_DATE": datetime.strptime("2025-06-05", "%Y-%m-%d").date(),
-                "CIF_ID": "123456789",
-                "CUSTOMER_id": "987654321",
-                "SALACCT_1": "34567831",
-                "ALERT_PHONE": "2348031234567",
-                "AVERAGE_SALARY": Decimal("50000"),
-                "LOAN_OUSTANDING_BAL": Decimal("0"),
-                "EMI": Decimal("10000"),
-                "ELIG_AMT": Decimal("25000"),
-                "rule1-45day-sal": True,
-                "rule2-2m-sal": True,
-                "rule3-no-bounced-check": True,
-                "rule4-current-loan-payments": True,
-                "rule5-no-past-due-fadv-loan": True,
-                "rule6--no-past-due-other-loan": True,
-                "rule7-consistent-salary-amount": True,
-                "rule8-whitelisted": True,
-                "rule9-regular-account": True,
-                "rule10-bvn-validation": True,
-                "rule11-CRC-no-delinquency": True,
-                "rule12-CRMS-no-delinquency": True,
-                "rule13-BVN-ignore": True,
-                "rule14-no-lien": True,
-                "rule15-null-ignore": True,
-                "OVERALL_ELIG": True,
-                "SALARYPAYMENT_1": Decimal("50000"),
-                "SALARYPAYMENT_2": Decimal("50000"),
-                "SALARYPAYMENT_3": Decimal("50000"),
-                "SALARYPAYMENT_4": Decimal("50000"),
-                "SALARYPAYMENT_5": Decimal("50000"),
-                "SALARYPAYMENT_6": Decimal("50000")
+                "procesS_DATE": datetime.strptime("2025-06-05", "%Y-%m-%d").date(),
+                "ciF_ID": "416405737",
+                "customeR_id": customer_id,
+                "salaccT_1": "4142904114",
+                "alerT_PHONE": "2348039301606",
+                "averagE_SALARY": average_salary,
+                "loaN_OUSTANDING_BAL": 0,
+                "emi": 1000,
+                "eliG_AMT": 25000,
+                "rule1_45day_sal": is_valid,
+                "rule2_2m_sal": is_valid,
+                "rule3_no_bounced_check": is_valid,
+                "rule4_current_loan_payments": True if is_valid is False else is_valid,
+                "rule5_no_past_due_fadv_loan": is_valid,
+                "rule6_no_past_due_other_loan": is_valid,
+                "rule7_consistent_salary_amount": is_valid,
+                "rule8_whitelisted": True if is_valid is False else is_valid,
+                "rule9_regular_account": True if is_valid is False else is_valid,
+                "rule10_bvn_validation": is_valid,
+                "rule11_CRC_no_delinquency": is_valid,
+                "rule12_CRMS_no_delinquency": True if is_valid is False else is_valid,
+                "rule13_BVN_ignore": is_valid,
+                "rule14_no_lien": is_valid,
+                "rule15_null_ignore": True if is_valid is False else is_valid,
+                "overalL_ELIG": is_valid
+                # "salarypaymenT_1": 180000,
+                # "salarypaymenT_2": 50000,
+                # "salarypaymenT_3": 70000,
+                # "salarypaymenT_4": 0,
+                # "salarypaymenT_5": 0,
+                # "salarypaymenT_6": 0
             }
 
+            rac_response.update(salary_payments)
+
 
             full_response = {
                 "transactionId": validated_data["transactionId"],
@@ -81,7 +92,11 @@ class RACCheckService:
             }
 
             # response_schema = RACCheckResponseSchema()
-            result = full_response
+            result = {
+                "responseCode": "00",
+                "responseMessage": "Operation Successful",
+                "data": full_response
+                }
 
             return jsonify(result), 200
 

app/api/services/transaction_verify.py

@@ -31,7 +31,7 @@ class TransactionVerifyService:
             response_data = {
                 "responseCode": "00",
                 "responseDescr": "Success",
-                "fullDescription": "Collect Status retrieved successfully.",
+                "responseMessage": "Verification Status retrieved Successfully.",
                 "customerId": validated_data.get("customerId"),
                 "accountId": validated_data.get("accountId"),
                 "providedAmount": 0.0,

app/api/services/verify_account_balance.py

@@ -0,0 +1,50 @@
+from app.api.schemas.verify_account_balance import VerifyAccountBalanceSchema
+from flask import request, jsonify
+from marshmallow import ValidationError
+from app.utils.logger import logger
+from app.api.helpers.response_helper import ResponseHelper
+
+class VerifyAccountBalanceService:
+    @staticmethod
+    def process_request(data):
+        """
+        Process the RACCheck request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            tuple: JSON response and status code.
+        """
+        try:
+            logger.info("Processing VerifyBalance request")
+
+            # Validate input data
+            schema = VerifyAccountBalanceSchema()
+            validated_data = schema.load(data)
+
+            account_id = validated_data["accountId"]
+            request_id = validated_data["requestId"]
+            amount = validated_data["amount"]
+
+
+            result = {
+                "responseCode": "00",
+                "responseMessage": "Operation Successful",
+                "isSufficient": True
+                }
+
+            return jsonify(result), 200
+
+        except ValidationError as err:
+            logger.error(f"Validation Error: {err.messages}")
+            return jsonify({
+                "message": "Validation exception",
+                "errors": err.messages
+            }), 422
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            return jsonify({
+                "message": "Internal Server Error"
+            }), 500

app/config.py

@@ -1,5 +1,7 @@
 import os
+from re import M
 from dotenv import load_dotenv
+from datetime import timedelta
 
 class Config:
     """Base configuration for Flask app"""
@@ -8,8 +10,15 @@ class Config:
     API_URL = '/api/swagger.json'
 
     DEBUG = True
+    JWT_SECRET_KEY = os.getenv("JWT_SECRET_KEY", "753fc155-6a63-4314-bd97-ae91d61dbafe")
+    JWT_ACCESS_TOKEN_EXPIRES = timedelta(seconds=int(os.getenv("JWT_ACCESS_TOKEN_EXPIRES", 1800)))
     VALID_APP_ID = os.getenv("VALID_APP_ID", "app1")
     VALID_API_KEY = os.getenv("VALID_API_KEY", "test-api-key-12345")
+    MIN_AMOUNT_FOR_COLLECTION = int(os.getenv("MIN_AMOUNT_FOR_COLLECTION", 10000))
+    MAX_AMOUNT_FOR_COLLECTION = int(os.getenv("MAX_AMOUNT_FOR_COLLECTION", 25000))
+    BANK_CALL_BASIC_AUTH_USERNAME = os.environ.get("BANK_CALL_BASIC_AUTH_USERNAME", "simbrella")
+    BANK_CALL_BASIC_AUTH_PASSWORD = os.environ.get("BANK_CALL_BASIC_AUTH_PASSWORD", "G7$k9@pL2!qR")
+    BANK_GRANT_TYPE = os.getenv("BANK_GRANT_TYPE", "password")
 
     # SQLALCHEMY_DATABASE_URI =os.environ.get("DATABASE_URL", "database_url")
     # SQLALCHEMY_TRACK_MODIFICATIONS = False

app/swagger/digifi_swagger.json

@@ -28,6 +28,15 @@
     }
   ],
   "tags": [
+    {
+       "name": "Auth",
+      "description": "Get access token for verification",
+      "externalDocs": {
+        "description": "Find out more",
+        "url": "https://www.simbrellang.net"
+      }
+
+    },
     {
       "name": "RACCheck",
       "description": "Risk Acceptance Criteria Request",
@@ -36,6 +45,14 @@
         "url": "https://www.simbrellang.net"
       }
     },
+    {
+      "name": "VerifyAccountBalance",
+      "description": "Verify Account Balance Request",
+      "externalDocs": {
+        "description": "Find out more",
+        "url": "https://www.simbrellang.net"
+      }
+    },
     {
       "name": "CompleteRACcheck",
       "description": "Complete Risk Acceptance Criteria Request",
@@ -110,8 +127,17 @@
     }
   ],
   "paths": {
+    "/api/Auth/generate-token": {
+      "$ref": "swagger/paths/GenerateToken.json"
+    },
+    "/api/system-health-check": {
+     "$ref": "swagger/paths/HealthCheck.json"
+    },
     "/api/rac-check": {
       "$ref": "swagger/paths/RACCheck.json"
+    },
+    "/api/VerifyAccountBalance": {
+      "$ref": "swagger/paths/VerifyAccountBalance.json"
     },
      "/api/CompleteRACcheck": {
       "$ref": "swagger/paths/CompleteRACcheck.json"
@@ -125,7 +151,7 @@
     "/api/TransactionVerify": {
       "$ref": "swagger/paths/TransactionVerify.json"
     },
-    "/api/CollectPenalFee": {
+    "/api/CollectPenalCharge": {
       "$ref": "swagger/paths/PenalCharge.json"
     },
     "/api/RevokeEnableConsent": {
@@ -143,12 +169,24 @@
   },
   "components": {
     "schemas": {
+      "GenerateTokenRequest": {
+        "$ref": "./schemas/GenerateTokenRequest.json"
+      },
+      "GenerateTokenResponse": {
+        "$ref": "./schemas/GenerateTokenResponse.json"
+      },
       "RACCheckRequest": {
         "$ref": "./schemas/RACCheckRequest.json"
       },
       "RACCheckResponse": {
         "$ref": "./schemas/RACCheckResponse.json"
       },
+      "VerifyAccountBalanceRequest": {
+        "$ref": "./schemas/VerifyAccountBalanceRequest.json"
+      },
+      "VerifyAccountBalanceResponse": {
+        "$ref": "./schemas/VerifyAccountBalanceResponse.json"
+      },
       "CompleteRACcheckRequest": {
         "$ref": "./schemas/CompleteRACcheckRequest.json"
       },
@@ -214,24 +252,18 @@
       }
     },
     "securitySchemes": {
-      "api_key": {
-        "type": "apiKey",
-        "name": "x-api-key",
-        "in": "header"
-      },
-      "app_id": {
-        "type": "apiKey",
-        "name": "App-Id",
-        "in": "header"
-      }
-    }
+  "BearerAuth": {
+    "type": "http",
+    "scheme": "bearer",
+    "bearerFormat": "JWT",
+    "description": "Standard Authorization header using the Bearer scheme. Example: 'Bearer {token}'"
+  }
+}   
   },
-  "security": [
-    {
-      "api_key": []
-    },
-    {
-      "app_id": []
-    }
-  ]
+ 
+"security": [
+  {
+    "BearerAuth": []
+  }
+]
 }

app/swagger/paths/GenerateToken.json

@@ -0,0 +1,56 @@
+{
+    "post": {
+      "tags": [
+        "GenerateToken"
+      ],
+      "summary": "Generate Access Token Request",
+      "description": "Generate Access Token Request",
+      "operationId": "GenerateToken",
+      "requestBody": {
+        "required": true,
+        "content": {
+          "application/json": {
+            "schema": {
+              "$ref": "../schemas/GenerateTokenRequest.json"
+            }
+          },
+          "application/xml": {
+            "schema": {
+              "$ref": "../schemas/GenerateTokenRequest.json"
+            }
+          },
+          "application/x-www-form-urlencoded": {
+            "schema": {
+              "$ref": "../schemas/GenerateTokenRequest.json"
+            }
+          }
+        }
+      },
+      "responses": {
+        "200": {
+          "description": "GenerateToken Successful",
+          "content": {
+            "application/json": {
+              "schema": {
+                "$ref": "../schemas/GenerateTokenResponse.json"
+              }
+            },
+            "application/xml": {
+              "schema": {
+                "$ref": "../schemas/GenerateTokenResponse.json"
+              }
+            }
+          }
+        },
+        "400": {
+          "description": "Invalid request"
+        },
+        "422": {
+          "description": "Validation exception"
+        },
+        "500": {
+          "description": "Internal server error"
+        }
+      }
+    }
+  }

app/swagger/paths/HealthCheck.json

@@ -0,0 +1,19 @@
+{
+    "get": {
+        "tags": ["System"],
+        "summary": "System Health Check",
+        "description": "Returns the current health status of the system",
+        "responses": {
+          "200": {
+            "description": "Successful operation",
+            "content": {
+              "application/json": {
+                "schema": {
+                  "$ref": "../schemas/HealthCheckResponse.json"
+                }
+              }
+            }
+          }
+        }
+      }
+  }

app/swagger/paths/VerifyAccountBalance.json

@@ -0,0 +1,56 @@
+{
+    "post": {
+      "tags": [
+        "VerifyAccountBalance"
+      ],
+      "summary": "Risk Acceptance Criteria Check",
+      "description": "Check if a customer passes the Risk Acceptance Criteria defined by the bank",
+      "operationId": "verifyAccountBalance",
+      "requestBody": {
+        "required": true,
+        "content": {
+          "application/json": {
+            "schema": {
+              "$ref": "../schemas/VerifyAccountBalanceRequest.json"
+            }
+          },
+          "application/xml": {
+            "schema": {
+              "$ref": "../schemas/VerifyAccountBalanceRequest.json"
+            }
+          },
+          "application/x-www-form-urlencoded": {
+            "schema": {
+              "$ref": "../schemas/VerifyAccountBalanceRequest.json"
+            }
+          }
+        }
+      },
+      "responses": {
+        "200": {
+          "description": "Verify Account Balance Successful",
+          "content": {
+            "application/json": {
+              "schema": {
+                "$ref": "../schemas/VerifyAccountBalanceResponse.json"
+              }
+            },
+            "application/xml": {
+              "schema": {
+                "$ref": "../schemas/VerifyAccountBalanceResponse.json"
+              }
+            }
+          }
+        },
+        "400": {
+          "description": "Invalid request"
+        },
+        "422": {
+          "description": "Validation exception"
+        },
+        "500": {
+          "description": "Internal server error"
+        }
+      }
+    }
+  }

app/swagger/schemas/DisbursementResponse.json

@@ -70,6 +70,38 @@
       "type": "string",
       "example": "Loan Request Completed Successfully!",
       "nullable": true
+    },
+    "disburseDate": {
+      "type": "string",
+      "format": "date-time",
+      "example": "2023-10-01T12:00:00Z",
+      "nullable": true
+    },
+    "disburseResult": {
+      "type": "string",
+      "example": "00",
+      "nullable": true
+    },
+    "disburseDescription": {
+      "type": "string",
+      "example": "Loan Request Completed Successfully!",
+      "nullable": true
+    },
+    "disburseVerify": {
+      "type": "string",
+      "format": "date-time",
+      "example": "2023-10-01T12:00:00Z",
+      "nullable": true
+    },
+    "verifyResult": {
+      "type": "string",
+      "example": "00",
+      "nullable": true
+    },
+    "verifyDescription": {
+      "type": "string",
+      "example": "Collect Status retrieved successfully.",
+      "nullable": true
     }
   },
   "required": [

app/swagger/schemas/GenerateTokenRequest.json

@@ -0,0 +1,21 @@
+{
+    "type": "object",
+    "properties": {
+        "username": {
+            "type": "string"
+        },
+        "password": {
+            "type": "string"
+        },
+        "grant_type":{
+            "type":"string"
+
+        }
+      
+    },
+    "required": [
+        "username",
+        "password",
+        "grant_type"
+    ]
+}

app/swagger/schemas/GenerateTokenResponse.json

@@ -0,0 +1,41 @@
+{
+    "type": "object",
+    "properties": {
+        "access_token": {
+            "type": "string",
+            "format": "eyjhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiIxMjM0NTY3ODkwIiwibmFtZSI6IkpvaG4gRG9lIiwic3ViIjoiYWRtaW4ifQ.SflKxwRJSMeKKF2QT4fwpMeJf36POk6yJV_adQssw5c"
+        },
+        "token_type": {
+            "type": "string",
+            "format": "bearer"
+        },
+        "expires_in": {
+            "type": "integer",
+            "format": "1800"
+        },
+        "userName": {
+            "type": "string",
+            "format": "sinbrella"
+        },
+        "ipaddress": {
+            "type": "string",
+            "format": "127.0.0.1"
+        },
+        "errorMessage":{
+            "type":"string"
+
+        },
+        "issued": {
+            "type": "string",
+            "format":"date-time"
+
+        },
+        "expires": {
+            "type": "string",
+            "format": "date-time"
+        }
+    },
+    "xml": {
+        "name": "##default"
+    }
+}

app/swagger/schemas/HealthCheckRequest.json

@@ -0,0 +1,17 @@
+{
+  "type": "object",
+  "properties": {
+    "status": {
+      "type": "string",
+      "example": "Active"
+    },
+    "responseCode": {
+      "type": "string",
+      "example": "00"
+    },
+    "responseMessage": {
+      "type": "string",
+      "example": "Successful"
+    }
+  }
+}

app/swagger/schemas/HealthCheckResponse.json

@@ -0,0 +1,17 @@
+{
+  "type": "object",
+  "properties": {
+    "status": {
+      "type": "string",
+      "example": "Active"
+    },
+    "responseCode": {
+      "type": "string",
+      "example": "00"
+    },
+    "responseMessage": {
+      "type": "string",
+      "example": "Successful"
+    }
+  }
+}

app/swagger/schemas/PenalChargeResponse.json

@@ -16,6 +16,10 @@
       "format": "double",
       "example": 101.2
     },
+    "lienAmount": {
+      "type": "integer",
+      "example": 1000
+    },
     "accountId": {
       "type": "string",
       "nullable": true,
@@ -32,6 +36,8 @@
       "example": "Penal charge debited successfully"
     }
   },
-  "required": ["amountCollected"],
+  "required": [
+    "amountCollected"
+  ],
   "additionalProperties": false
-}
+}

app/swagger/schemas/VerifyAccountBalanceRequest.json

@@ -0,0 +1,25 @@
+{
+  "type": "object",
+  "properties": {
+    "amount": {
+      "type": "string",
+      "example": "200"
+    },
+    "requestId": {
+      "type": "string",
+      "example": "RQ621868"
+    },
+    "accountId": {
+      "type": "string",
+      "example": "2017821799"
+    }
+  },
+  "required": [
+    "accountId",
+    "requestId",
+    "amount"
+  ],
+  "xml": {
+    "name": "VerifyAccountBalanceRequest"
+  }
+}

app/swagger/schemas/VerifyAccountBalanceResponse.json

@@ -0,0 +1,15 @@
+{
+  "type": "object",
+  "properties": {
+    "isSufficient": {
+      "type": "string",
+      "example": "true"
+    }
+  },
+  "required": [
+    "isSufficient"
+  ],
+  "xml": {
+    "name": "VerifyAccountBalanceResponse"
+  }
+}

requirements.txt

@@ -6,6 +6,8 @@ Flask-Cors==3.0.10
 gunicorn
 flask-swagger-ui
 python-dotenv
+flask-jwt-extended==4.7.1
+