[update]: Offers

app/api/services/eligibility_check.py

@@ -1,4 +1,5 @@
 from flask import session, jsonify
+from app.models.loan import Loan
 from app.models.transaction_offers import TransactionOffer
 from app.utils.logger import logger
 from app.api.services.base_service import BaseService
@@ -50,6 +51,12 @@ class EligibilityCheckService(BaseService):
                     return ResponseHelper.error(result_description="Invalid Customer or Account")
                 
                 db.session.flush()
+
+                # Determine Loan count
+                is_eligible = EligibilityCheckService.check_loan_limits(customer_id)
+
+                if not is_eligible:
+                    return ResponseHelper.error(result_description="Max loan count reached")
                 
                 # Call RACCheck
                 response = SimbrellaIntegration.rac_check(
@@ -58,7 +65,7 @@ class EligibilityCheckService(BaseService):
                     transaction_id = transaction.transaction_id,
                 )
 
-                # this chck for error is not valid
+                # this chek for error is not valid
                 if response.status_code != 200:
                     return ResponseHelper.error(result_description="RACCheck failed")
                 
@@ -146,4 +153,33 @@ class EligibilityCheckService(BaseService):
         except Exception as e:
             logger.error(f"An error occurred: {str(e)}", exc_info=True)
             db.session.rollback()
-            return ResponseHelper.internal_server_error()
+            return ResponseHelper.internal_server_error()
+        
+
+    @staticmethod
+    def check_loan_limits(customer_id):
+        """
+        Checks if a customer has exceeded the loan limits for given offer.
+        """  
+        loan = Loan.get_customer_last_loan(customer_id)
+
+        if not loan:
+            return True
+        
+        offer_id = loan.offer_id[:5]
+
+        offer = Offer.get_offer_by_id(offer_id)
+        if not offer:
+            logger.error(f"Offer not found for offer_id: {offer_id} (customer_id: {customer_id})")
+            return False
+
+        daily_count = TransactionOffer.get_daily_loan_count(customer_id, offer_id)
+        
+        
+        logger.error(f"daily_count: {daily_count}, Max: {offer.max_daily_loans}")
+
+        if offer.max_daily_loans is not None and daily_count >= offer.max_daily_loans:
+            return False
+        
+
+        return True

app/models/account.py

@@ -27,7 +27,9 @@ class Account(db.Model):
         account = cls(
             id=id,
             customer_id=customer_id,
-            account_type=account_type
+            account_type=account_type,
+            created_at=datetime.now(timezone.utc),
+            updated_at=datetime.now(timezone.utc)
         )
 
         try:

app/models/charge.py

@@ -57,7 +57,9 @@ class Charge(db.Model):
                 code = code,
                 percent = percent,
                 description = description,
-                due = due_days
+                due = due_days,
+                created_at=datetime.now(timezone.utc),
+                updated_at=datetime.now(timezone.utc)
             )
 
             db.session.add(charge_obj)

app/models/customer.py

@@ -47,7 +47,13 @@ class Customer(db.Model):
             raise ValueError("Customer already exists")
         
         # Create the customer
-        customer = cls(id=id, msisdn=msisdn, country_code=country_code)
+        customer = cls(
+            id=id,
+            msisdn=msisdn,
+            country_code=country_code,
+            created_at=datetime.now(timezone.utc),
+            updated_at=datetime.now(timezone.utc)
+            )
         try: 
             db.session.add(customer)
             

app/models/loan.py

@@ -109,7 +109,9 @@ class Loan(db.Model):
             due_date=due_date,
             tenor = tenor,
             status = status,
-            eligible_amount =eligible_amount
+            eligible_amount =eligible_amount,
+            created_at=datetime.now(timezone.utc),
+            updated_at=datetime.now(timezone.utc)
         )
         
         try:

app/models/loan_charge.py

@@ -63,7 +63,9 @@ class LoanCharge(db.Model):
                 percent = percent,
                 description = description,
                 due = due_days,
-                due_date = now + timedelta(days=due_days)
+                due_date = now + timedelta(days=due_days),
+                created_at=datetime.now(timezone.utc),
+                updated_at=datetime.now(timezone.utc)
             )
 
             db.session.add(charge_obj)

app/models/loan_repayment_schedule.py

@@ -45,7 +45,9 @@ class LoanRepaymentSchedule(db.Model):
                 total_repayment_amount = round(loan.repayment_amount, 2),
                 installment_amount=round(loan.installment_amount, 2),
                 product_id = loan.product_id,
-                transaction_id = transaction_id
+                transaction_id = transaction_id,
+                created_at=datetime.now(timezone.utc),
+                updated_at=datetime.now(timezone.utc)
             )
             
             db.session.add(schedule)

app/models/offer.py

@@ -83,7 +83,11 @@ class Offer(db.Model):
             "interest_rate": self.interest_rate,
             "management_rate": self.management_rate,
             "insurance_rate": self.insurance_rate,
-            "vat_rate": self.vat_rate
+            "vat_rate": self.vat_rate,
+            "maxDailyLoans": self.max_daily_loans,
+            "maxActiveLoans": self.max_active_loans,
+            "maxLifeLoans": self.max_life_loans
+
         }
     
     def __repr__(self):

app/models/rac_checks.py

@@ -25,7 +25,9 @@ class RACCheck(db.Model):
             customer_id = customer_id,
             account_id = account_id,
             transaction_id = transaction_id,
-            rac_response = data
+            rac_response = data,
+            created_at=datetime.now(timezone.utc),
+            updated_at=datetime.now(timezone.utc)
         )
         
         try:

app/models/repayment.py

@@ -42,7 +42,9 @@ class Repayment(db.Model):
             customer_id=customer_id,
             loan_id=loan_id,
             product_id=product_id,
-            transaction_id = transaction_id
+            transaction_id = transaction_id,
+            created_at=datetime.now(timezone.utc),
+            updated_at=datetime.now(timezone.utc)
         )
 
         try:

app/models/transaction.py

@@ -38,7 +38,9 @@ class Transaction(db.Model):
             customer_id = customer_id,
             account_id = account_id,
             type = type,
-            channel = channel
+            channel = channel,
+            created_at=datetime.now(timezone.utc),
+            updated_at=datetime.now(timezone.utc)
         )
 
         try:

app/models/transaction_offers.py

@@ -1,4 +1,5 @@
-from datetime import datetime, timezone
+from datetime import datetime, timezone, timedelta
+from app.api.enums.loan_status import LoanStatus
 from app.extensions import db
 from sqlalchemy.orm import relationship
 from sqlalchemy.sql import func
@@ -58,7 +59,9 @@ class TransactionOffer(db.Model):
             max_amount=max_amount,
             eligible_amount=eligible_amount,
             product_id=product_id,
-            tenor=tenor
+            tenor=tenor,
+            created_at=datetime.now(timezone.utc),
+            updated_at=datetime.now(timezone.utc)
         )
 
         db.session.add(transaction_offer)
@@ -66,6 +69,43 @@ class TransactionOffer(db.Model):
 
         return transaction_offer
     
+    @classmethod
+    def get_lifetime_loan_count(cls, customer_id):
+        """
+        Returns the total number of loans ever created for a customer.
+        """
+        return cls.query.filter_by(customer_id=customer_id).count()
+
+    @classmethod
+    def get_daily_loan_count(cls, customer_id, offer_id):
+        """
+        Returns the count of loans created today for a customer.
+        """
+
+        start_of_day = datetime.now(timezone.utc).replace(hour=0, minute=0, second=0, microsecond=0)
+        end_of_day = start_of_day + timedelta(days=1)
+
+        return cls.query.filter_by(
+            customer_id=customer_id,
+            offer_id=offer_id
+            ).filter(
+            cls.created_at >= start_of_day,
+            cls.created_at < end_of_day
+        ).count()
+
+
+    @classmethod
+    def get_latest_transaction_offer(cls, customer_id):
+        """
+        Returns the most recent transaction offer for the given customer based on creation time.
+        """
+        return cls.query.filter_by(customer_id=customer_id) \
+            .order_by(cls.created_at.desc()) \
+            .first()
+
+
+    
+
     def to_dict(self):
         return {
             'id': self.id,