Merge branch 'rac_check_analysis' of DigiFi/digifi-BankToProductCore into master

app/api/services/offer_analysis.py

@@ -1,3 +1,4 @@
+from decimal import Decimal
 from app.models import Offer, TransactionOffer
 from app.models.loan import Loan
 import random
@@ -7,6 +8,7 @@ from app.config import Config
 
 RAC_TRUE_CHECK_RULES = Config.rac_true_rules
 RAC_FALSE_CHECK_RULES = Config.rac_false_rules
+RAC_SALARY_PAYMENTS = Config.rac_salary_payments
 
 logger = logging.getLogger(__name__)
 
@@ -39,11 +41,67 @@ class OfferAnalysis:
 
         return transaction_offer, offer, eligible_amount, original_transaction
     @staticmethod
-    def _analyze_rack_checks(rack_response):
+    def _analyze_rack_checks(rack_response, offer):
         logger.info(f"This is PayLoad for ANALYSYS ***** : {str(rack_response)}", exc_info=True)
         logger.info(f"RACk TRUE RULES    {str(RAC_TRUE_CHECK_RULES)}", exc_info=True)
         logger.info(f"RACk FALSE RULES   {str(RAC_FALSE_CHECK_RULES)}", exc_info=True)
+        logger.info(f"RACk SALARY PAYMENTS   {str(RAC_SALARY_PAYMENTS)}", exc_info=True)
 
+        if not isinstance(rack_response, dict) or not offer :
+            raise ValueError("Invalid RAC response format.")
+        
+
+        
+        failed_true_rules = []
+        failed_false_rules = []
+        salaries = []
+
+        # Expects true
+        for rule in RAC_TRUE_CHECK_RULES:
+            if not rack_response.get(rule, False):
+                failed_true_rules.append(rule)
+
+        # Expects false
+        for rule in RAC_FALSE_CHECK_RULES:
+            if rack_response.get(rule, True):
+                failed_false_rules.append(rule)
+
+
+        # Expects false
+        for key in RAC_SALARY_PAYMENTS:
+            value = rack_response.get(key)
+            if isinstance(value, Decimal):
+                salaries.append(value)
+            elif isinstance(value, (int, float, str)):
+                try:
+                    salaries.append(Decimal(str(value)))
+                except:
+                    logger.warning(f"Could not convert value of {key} to Decimal: {value}")
+
+
+        if failed_true_rules or failed_false_rules or not salaries:
+            logger.warning(f"Failed TRUE rules: {failed_true_rules}")
+            logger.warning(f"Failed FALSE rules: {failed_false_rules}")
+            logger.warning("No salary records found in RAC response.")
+            raise ValueError(f"RAC analysis failed due to: {failed_true_rules + failed_false_rules} and  {salaries}")
+        
+
+
+        logger.info(f"These are the salarie amounts ***** : {str(salaries)}", exc_info=True)
+
+        #Least salary in the last 6 months
+        min_salary = min(salaries)
+
+        # Check consistency rule
+        consistent_income = rack_response.get("rule7-consistent-salary-amount", False)
+
+        if consistent_income:
+            eligible_amount = min_salary * Decimal("0.5") 
+        else:
+            eligible_amount = min_salary * Decimal("0.75") 
+
+        logger.info(f"Calculated eligible amount from RAC: {eligible_amount} based on {'stable' if consistent_income else 'unstable'} income.")
+        return eligible_amount.quantize(Decimal("1.00"))  
         # "racResponse": {
         #     "accountStatus": true,
         #     "bvnValidated": true,
@@ -76,15 +134,13 @@ class OfferAnalysis:
         # if we have active offers - we have to feed off it
         logger.info(f"**RACK ANALYSIS** {customer_id}")
         # Analyze Rack Checks
-        OfferAnalysis._analyze_rack_checks(rack_checks_response)  #--> We need detail analysis
+        # new_eligible_amount = OfferAnalysis._analyze_rack_checks(rack_checks_response)  #--> We need detail analysis
 
         # we can now find the origin transactions
         # Find the last loan - it will have original_transaction
         last_customer_loan = Loan.get_customer_last_loan(customer_id)
         # logger.info(f"{last_customer_loan}")
 
-        new_eligible_amount = 0
-
         if last_customer_loan:
             original_transaction = last_customer_loan.original_transaction or last_customer_loan.transaction_id
             logger.info(f"transaction_id |-| original_transaction === > {transaction_id} {original_transaction}")
@@ -136,10 +192,11 @@ class OfferAnalysis:
 
 
         for offer in offers:
-            # Get approved amount
-            random_float = random.random()  # temporary to play data
+           
+            new_eligible_amount = OfferAnalysis._analyze_rack_checks(rack_checks_response, offer)
 
-            approved_amount = new_eligible_amount if new_eligible_amount > 0 else min(offer.max_amount, offer.max_amount * random_float) 
+
+            approved_amount = new_eligible_amount 
             approved_amount = round(approved_amount, 2)
 
             transaction_offer = TransactionOffer.create_transaction_offer(

app/config.py

@@ -65,10 +65,20 @@ class Config:
         "rule14-no-lien",
         "rule15-null-ignore"
     ]
+    
     rac_false_rules = [
 
     ]
 
+    rac_salary_payments = [
+        "SALARYPAYMENT_1",
+        "SALARYPAYMENT_2",
+        "SALARYPAYMENT_3",
+        "SALARYPAYMENT_4",
+        "SALARYPAYMENT_5",
+        "SALARYPAYMENT_6"
+    ]
+