Update AuthorizeRefresh.json

This reverts commit 8bb5ce69e2.

.env.local.example

@@ -12,6 +12,7 @@ DATABASE_PASSWORD=FirstAdvance!
 DATABASE_HOST=dev-data.simbrellang.net
 DATABASE_PORT=10532
 DATABASE_NAME=firstadvancedev
+#SQLALCHEMY_DATABASE_URI_FULL="oracle+oracledb://FIRSTADVSTG:Pchanged_56789@10.2.110.30:1521/?service_name=firstadv"
 
 # DATABASE_HOST=10.20.30.60
 # DATABASE_USER=firstadvance

JUNK/send_report.py

@@ -0,0 +1,15 @@
+from flask import Flask
+from app.extensions import mail
+from app.utils.mail import send_report_email, get_report_data
+from app.config import settings
+
+app = Flask(__name__)
+app.config.from_object(settings)
+
+mail.init_app(app)
+
+with app.app_context():
+    report_data = get_report_data()
+    recipients = ["vdagbue@gmail.com"]
+    result = send_report_email(report_data, recipients)
+    print(result)

SQL/sample-prod.env

@@ -0,0 +1,40 @@
+
+# Environment Variables ======================================================
+BASIC_AUTH_USERNAME=user
+BASIC_AUTH_PASSWORD=password
+SWAGGER_URL="/documentation"
+API_URL="/swagger.json"
+
+# Flask Configuration =========================================================
+FLASK_APP=wsgi.py
+FLASK_ENV=development
+APP_PORT=4500
+
+#Database Configuration =======================================================
+DATABASE_USER=FIRSTADVSTG
+DATABASE_PASSWORD=Pchanged_56789
+DATABASE_HOST=ig-x6-uat-scan
+DATABASE_PORT=1521
+DATABASE_NAME=FIRSTADVSTG
+DATABASE_SID=firstadv
+SQLALCHEMY_DATABASE_URI_FULL="oracle+oracledb://FIRSTADVSTG:Pchanged_56789@10.2.110.30:1521/?service_name=firstadv"
+
+# Event Bus =====================================================================
+KAFKA_BROKER="10.2.110.20:9082"
+
+#Bank Calls =====================================================================
+SIMBRELLA_BASE_URL="https://bank-emulator.dev.simbrellang.net"
+SIMBRELLA_APP_ID="app1"
+SIMBRELLA_API_KEY="testtest-api-key-12345"
+
+#Events Direct Location =========================================================
+EVENTS_SERVICE_BASE_URL="http://10.2.24.133:5000"
+ENDPOINT_DIRECT_LOAN="/autocall/direct/loan"
+ENDPOINT_DIRECT_REPAYMENT="/autocall/direct/repayment"
+
+#EVENTS_SERVICE_BASE_URL2="https://event-core.simbrellang.net"
+#EVENTS_SERVICE_BASE_URL="http://10.10.11.17:14700"
+
+
+
+

app/__init__.py

@@ -1,4 +1,5 @@
 from flask import Flask
+from flask_mail import Mail
 import os
 from flask_swagger_ui import get_swaggerui_blueprint
 from flask_cors import CORS
@@ -7,7 +8,7 @@ from app.api.routes import api
 from app.errors import register_error_handlers
 from flask_sqlalchemy import SQLAlchemy
 from flask_migrate import Migrate
-from app.extensions import db, migrate
+from app.extensions import db, migrate, mail
 from flask_jwt_extended import (
     JWTManager,
     jwt_required,
@@ -18,34 +19,45 @@ from flask_jwt_extended import (
 
 def create_app():
     """Factory function to create a Flask app instance"""
-    app = Flask(__name__)
+    # import oracledb
 
-    # Load configuration
-    app.config.from_object(Config)
+    # oracledb.init_oracle_client(lib_dir=None) 
 
-    CORS(app)
+    try:
 
-    JWTManager(app)
-    CORS(app, supports_credentials=True) 
+        app = Flask(__name__)
 
-    # Swagger Doc
-    SWAGGER_URL = app.config.get("SWAGGER_URL")
-    API_URL = app.config.get("API_URL")
+        # Load configuration
+        app.config.from_object(Config)
 
-    # Register blueprints
-    app.register_blueprint(api)
+        CORS(app)
 
-    swagger_ui_blueprint = get_swaggerui_blueprint(SWAGGER_URL, API_URL)
-    app.register_blueprint(swagger_ui_blueprint, url_prefix=SWAGGER_URL)
+        JWTManager(app)
+        CORS(app, supports_credentials=True)
 
-    # Error Handlers
-    register_error_handlers(app)
+        # Swagger Doc
+        SWAGGER_URL = app.config.get("SWAGGER_URL")
+        API_URL = app.config.get("API_URL")
 
-    from . import models
+        # Register blueprints
+        app.register_blueprint(api)
 
-    # Database and Migrations
-    db.init_app(app)
+        swagger_ui_blueprint = get_swaggerui_blueprint(SWAGGER_URL, API_URL)
+        app.register_blueprint(swagger_ui_blueprint, url_prefix=SWAGGER_URL)
 
-    migrate.init_app(app, db)
+        # Error Handlers
+        register_error_handlers(app)
 
-    return app
+        from . import models
+
+        # Initialize Flask-Mail
+        mail.init_app(app)
+
+        # Database and Migrations
+        db.init_app(app)
+
+        migrate.init_app(app, db)
+
+        return app
+    except Exception as e:
+        print(f"An unexpected error occurred: {e}")

app/api/enums/loan_status.py

@@ -3,4 +3,6 @@ from enum import Enum
 class LoanStatus(str, Enum):
     PENDING = "pending"
     ACTIVE = "active"
+    ACTIVE_PARTIAL = "active_partial"
+    START_REPAY = "start_repay"
     REPAID = "repaid"

app/api/integrations/__init__.py

@@ -1,2 +1,3 @@
 from .simbrella import SimbrellaIntegration
-from .kafka import KafkaIntegration
+from .kafka import KafkaIntegration
+from .events_service import EventServiceIntegration

app/api/integrations/events_service.py

@@ -0,0 +1,69 @@
+import httpx
+from app.utils.logger import logger
+from app.config import settings
+
+
+class EventServiceIntegration:
+    BASE_URL = settings.SIMBRELLA_BASE_URL
+    EVENTS_SERVICE_BASE_URL = settings.EVENTS_SERVICE_BASE_URL
+    ENDPOINT_DIRECT_LOAN = settings.ENDPOINT_DIRECT_LOAN
+    ENDPOINT_DIRECT_REPAYMENT = settings.ENDPOINT_DIRECT_REPAYMENT
+
+    @staticmethod
+    def direct_loan(transaction_id: str):
+        """
+        Calls the Direct Loan endpoint
+        """
+        url = f"{EventServiceIntegration.EVENTS_SERVICE_BASE_URL}{EventServiceIntegration.ENDPOINT_DIRECT_LOAN}"
+        logger.info(f"Direct Loan URL: {url}")
+        payload = {"transactionId": str(transaction_id)}
+
+        headers = {
+            "Content-Type": "application/json"
+        }
+
+        try:
+            response = httpx.post(url, json=payload, headers=headers, timeout=10.0)
+            logger.info(f"Loan Response: {response.text}")
+            return response
+        except Exception as e:
+            logger.error(f"Direct Loan API call failed: {str(e)}", exc_info=True)
+            raise
+
+    @staticmethod
+    def direct_repayment(transaction_id: str):
+        """
+        Calls the Direct Repayment endpoint
+        """
+        url = f"{EventServiceIntegration.EVENTS_SERVICE_BASE_URL}{EventServiceIntegration.ENDPOINT_DIRECT_REPAYMENT}"
+        logger.info(f"Direct Repayment URL: {url}")
+        payload = {"transactionId": str(transaction_id)}
+
+        headers = {
+            "Content-Type": "application/json",
+        }
+
+        try:
+            response = httpx.post(url, json=payload, headers=headers, timeout=10.0)
+            logger.info(f"Repayment Response: {response.text}")
+            return response
+        except Exception as e:
+            logger.error(f"Direct Repayment API call failed: {str(e)}", exc_info=True)
+            raise
+
+
+    @staticmethod
+    def health_check():
+        """
+        Health check for Events Service
+        """
+        url = f"{EventServiceIntegration.EVENTS_SERVICE_BASE_URL}/health"
+        logger.info(f"Health Check URL: {url}")
+
+        try:
+            response = httpx.get(url, timeout=5.0)
+            logger.info(f"Health Check Response: {response.text}")
+            return response
+        except Exception as e:
+            logger.error(f"Health Check API call failed: {str(e)}", exc_info=True)
+            raise

app/api/integrations/simbrella.py

@@ -7,36 +7,25 @@ import logging
 
 class SimbrellaIntegration:
     BASE_URL = settings.SIMBRELLA_BASE_URL
+    ENDPOINT_RAC_CHECKS = settings.SIMBRELLA_ENDPOINT_RAC_CHECKS
 
     @staticmethod
     def rac_check(customer_id, account_id, transaction_id):
         """
         Calls the RACCheck endpoit
         """
-        url = f"{SimbrellaIntegration.BASE_URL}/RACCheck"
+        url = f"{SimbrellaIntegration.BASE_URL}/{SimbrellaIntegration.ENDPOINT_RAC_CHECKS}"
+        logger.info(f"Contacting Rack Checks EndPoint: {str(url)}", exc_info=True)
 
         payload = {
             "customerId": customer_id,
             "accountId": account_id,
             "transactionId": str(transaction_id),
-            "fbnTransactionId": f"FBN{transaction_id}",
-            "RAC_Array": [
-                "SalaryAccount",
-                "BVN",
-                "BVNAttachedtoAccount",
-                "CRC",
-                "CRMS",
-                "AccountStatus",
-                "Lien",
-                "NoBouncedCheck",
-                "Whitelist",
-                "NoPastDueSalaryLoan",
-                "NoPastDueOtherLoan",
-            ],
+            "fbnTransactionId": str(transaction_id),
+            "countryCode": "NG",
+            "channel": "USSD"
         }
 
-        # logger.info(f"This is PayLoad: {str(payload)}", exc_info=True)
-
         headers = {
             "Content-Type": "application/json",
             "x-api-key": f"{settings.VALID_API_KEY}",

app/api/routes/routes.py

@@ -1,3 +1,5 @@
+from sqlite3 import DatabaseError
+from app.api.integrations.events_service import EventServiceIntegration
 from flask import Blueprint, request, jsonify, send_from_directory
 from app.api.services import (
     EligibilityCheckService,
@@ -19,6 +21,9 @@ from flask_jwt_extended import (
     get_jwt_identity,
     create_refresh_token,
 )
+from sqlalchemy import text
+from app.extensions import db
+from app.config import settings
 
 
 api = Blueprint("api", __name__)
@@ -88,6 +93,7 @@ def loan_status():
 @jwt_required()
 def repayment():
     data = request.get_json()
+    logger.error(f"HERE 0000a **** ")
     # logger.info(f"Repayment request received: {data}")
     response = RepaymentService.process_request(data)
     return response
@@ -112,11 +118,61 @@ def notification_callback():
     response = NotificationCallbackService.process_request(data)
     return response
 
-
 # Health Check Endpoint
 @api.route("/health", methods=["GET"])
 def health_check():
-    return {"status": "ok"}, 200
+    SQLALCHEMY_DATABASE_URI = settings.SQLALCHEMY_DATABASE_URI
+    response = {}
+    db_status = "Connection Successful"
+    events_service_status = "Connection Successful"
+    errors = []
+    status = "ok"
+
+
+    # Extract the database URI
+    try:
+        db_uri = db.engine.url.render_as_string(hide_password=False)
+        db_uri =  db_uri
+    except Exception as e:
+        db_uri = "Unavailable"
+
+
+    # Check database connection
+    try:
+        logger.info(f"Database Health == : {SQLALCHEMY_DATABASE_URI}")
+        db.session.execute(text("SELECT 1"))
+    except Exception as e:
+        db_status = "Connection Failed"
+        errors.append(f"Database Error: {str(e)}")
+        status = "failed"
+
+
+    # Check Events Service health
+    try:
+        events_service_response = EventServiceIntegration.health_check()
+
+        if events_service_response.status_code != 200:
+            events_service_status = "Connection Failed"
+            status = "failed"
+            errors.append(f"Events Service response: {events_service_response.text}")
+
+
+    except Exception as e:
+        events_service_status = "Connection Successful"
+        status = "failed"
+        errors.append(f"Events Service connection failed: {str(e)}")
+
+
+    response = {
+        "status": status,
+        "db_status": db_status,
+        "events_service_status": events_service_status,
+        "db_uri": db_uri,
+        "errors": errors or None
+    }
+
+
+    return jsonify(response), 200 if status == "ok" else 500
 
 
 # Authorize endpoint

app/api/schemas/repayment.py

@@ -5,8 +5,8 @@ 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)
     accountId = fields.Str(required=True)
     customerId = fields.Str(required=True)
-    channel = fields.Str(required=True)
+    loanRef = fields.Str(required=True)
+    initiatedBy = fields.Str(required=False)

app/api/services/base_service.py

@@ -4,6 +4,7 @@ from flask import jsonify
 from marshmallow import ValidationError
 import logging
 from app.api.integrations import KafkaIntegration
+from app.utils.mail import send_report_email, get_report_data
 
 logger = logging.getLogger(__name__)
 
@@ -48,12 +49,14 @@ class BaseService:
         """
         Create a new transaction.
         """
+        channel = "USSD" if validated_data.get("channel") is None else validated_data.get("channel")
+
         return Transaction.create_transaction(
             transaction_id = validated_data.get("transactionId"),
             customer_id =  validated_data.get('customerId', None),
             account_id = validated_data.get("accountId", None),  
             type = cls.TRANSACTION_TYPE,
-            channel = validated_data.get("channel"),
+            channel = channel,
         )
     
     @classmethod
@@ -171,3 +174,6 @@ class BaseService:
        # return {"rate": 0, "fee": 0, "due_days": 0}
 
 
+    @classmethod
+    def send_mail(cls, report_data, recipients):
+            send_report_email(report_data, recipients)

app/api/services/eligibility_check.py

@@ -1,5 +1,5 @@
 from flask import session, jsonify
-from app.models.transaction_offers import TransactionOffer
+from app.models.loan import Loan
 from app.utils.logger import logger
 from app.api.services.base_service import BaseService
 from app.api.schemas.eligibility_check import EligibilityCheckSchema
@@ -50,6 +50,12 @@ 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(
@@ -58,30 +64,44 @@ 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")
                 
                 response = response.json()
+
+                logger.info(f"This is Response (from Eligibility Check): {str(response)}", exc_info=True)
+
                 
+                if not response or response['responseCode'] != '00':
+
+                    if response:
+                        logger.error(f"{response['responseMessage']}")
+
+                    return ResponseHelper.error(result_description=f"RACCheck failed")
+
+                rack_checks_response = response['data']['racResponse']
+
                 rac_check = RACCheck.add_rac_check(
                     customer_id = customer_id,
                     account_id = account_id,
                     transaction_id = transaction.transaction_id,
-                    data = response['RACResponse']
+                    data = rack_checks_response
                     )
-                
+
                 if not rac_check:
-                        logger.error(f"Failed to save RACCheck")
-                        return ResponseHelper.error(result_description="Failed to save RACCheck.")
-# -----------------TIME FOR ANALYSIS TO REGISTER OFFER ----------------------
+                    logger.error(f"Failed to save RACCheck")
+                    return ResponseHelper.error(result_description="Failed to save RACCheck.")
+
+                # -----------------TIME FOR ANALYSIS TO REGISTER OFFER ----------------------
                 # eligible_offers = []
                 try:
                   eligible_offers = OfferAnalysis.decide_offer(
                         transaction_id=transactionId,
                         rac_check=rac_check,
                         validated_data=validated_data,
-                        customer_id=customer_id
+                        customer_id=customer_id,
+                        rack_checks_response =rack_checks_response
                     )
                 except ValueError as ve:
                     logger.error(str(ve))
@@ -146,4 +166,33 @@ 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 = Loan.get_daily_loan_count(customer_id, offer.product_id)
+        
+        
+        logger.info(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/api/services/loan_status.py

@@ -29,38 +29,23 @@ class LoanStatusService(BaseService):
                 # Validate data
                 validated_data = LoanStatusService.validate_data(data, LoanStatusSchema())
 
-
                 customer_id =  validated_data.get('customerId')
-                customer = Customer.get_customer(customer_id)
+
+                logger.info(f"Looking for customer *** {customer_id}")
+                customer = Customer.get_customer_with_loan_list(customer_id)
+                
                 transactionId = validated_data.get('transactionId')
                 account_id = validated_data.get('accountId')
 
                 if(LoanStatusService.validate_account_ownership(account_id = account_id, customer_id = customer_id)):
-
                     # Get loans
                     loans = [loan.to_dict() for loan in customer.loans if loan.status == LoanStatus.ACTIVE]
-
                     transaction = LoanStatusService.log_transaction(validated_data = validated_data)
-
                     if not transaction:
                         logger.error(f"Failed to log transaction")
                         return ResponseHelper.error(result_description="Failed to log transaction.")
                 else:  
                     return ResponseHelper.error(result_description="Invalid Customer or Account")
-        
-
-                # 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"
-                #     }
-                # ]
 
                 total_debt_amount = sum(
                     loan.get("currentLoanAmount") or 0
@@ -70,6 +55,7 @@ class LoanStatusService(BaseService):
                 # Simulated processing logic
                 response_data = {
                     "customerId": customer_id,
+                    "accountId": account_id,
                     "transactionId": transactionId,
                     "loans": loans,
                     "totalDebtAmount": total_debt_amount,

app/api/services/offer_analysis.py

@@ -1,7 +1,15 @@
+from decimal import Decimal
 from app.models import Offer, TransactionOffer
 from app.models.loan import Loan
 import random
 import logging
+
+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__)
 
 class OfferAnalysis:
@@ -32,20 +40,127 @@ class OfferAnalysis:
         original_transaction =  transaction_id
 
         return transaction_offer, offer, eligible_amount, original_transaction
+    
+    @staticmethod
+    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)
+
+
+        # Salary rules
+        for key in RAC_SALARY_PAYMENTS:
+            value = rack_response.get(key)
+
+           
+            if isinstance(value, Decimal):
+                 # Only use values greater than 0
+                if value > 0:
+                    salaries.append(value)
+            elif isinstance(value, (int, float, str)):
+                try:
+                    value = Decimal(str(value))
+                    if value > 0:
+                        salaries.append(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")
+        
+
+
+        logger.info(f"These are the salary 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)
+
+         # Determine percentage based on offer tenor
+        tenor = offer.tenor
+        
+        if tenor == 30 and consistent_income:
+            eligible_amount = min_salary * Decimal("0.5")
+            logger.info("Applying 50% of least salary in 6 months due to 1-month offer tenor with stable income.")
+        elif tenor == 90 and consistent_income:
+            eligible_amount = min_salary * Decimal("0.75")
+            logger.info("Applying 75% of least salary in 6 months due to 3-months offer tenor with stable income.")
+           
+        else:  # Income is not consistent
+            eligible_amount = 0
+            logger.info("Applying no percentage on least salary due unstable income.")
+            
+
+
+        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,
+        #     "creditBureauCheck": false,
+        #     "crmsCheck": true,
+        #     "hasLien": false,
+        #     "hasPastDueLoan": false,
+        #     "hasSalaryAccount": true,
+        #     "isWhitelisted": true,
+        #     "noBouncedCheck": true
+        # },
+        #
+
+        '''
+        30 days
+        Eligibility amount (monthly SOL) - Adoption of 50% of the least salary inflow in the past 6 months
+        to determine loan eligibility for potential customers.
+
+        3 months
+        Adoption of 75% of the least salary inflow in the past 6 months to determine loan eligibility for
+        potential customers" for customers that have unstable income.   3 months
+        '''
+        # rac_true_rules
+
+        return 0
 
     @staticmethod
-    def decide_offer(transaction_id, rac_check, validated_data, customer_id):
+    def decide_offer(transaction_id, rac_check, validated_data, customer_id, rack_checks_response):
         eligible_offers = []
         # if we have active offers - we have to feed off it
-        logger.info(f"LOOOOOOOOOOOOOOOOOO** {customer_id}")
+        logger.info(f"**RACK ANALYSIS** {customer_id}")
+        # Analyze Rack Checks
+        # 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}")
@@ -63,6 +178,14 @@ class OfferAnalysis:
                 logger.info(f"sum_active_loans === > {sum_active_loans}")
                 real_eligible_amount = original_loan.eligible_amount - sum_active_loans
 
+                if real_eligible_amount < original_transaction_offer.min_amount:
+                    logger.error(f"Max eligible amount ({real_eligible_amount}) is less than the minimum offer amount ({original_transaction_offer.min_amount}).")
+                    raise ValueError("You are not eligible for a loan at this time.")
+
+                # if real_eligible_amount < 100:
+                #     logger.error(f"Max eligible amount ({real_eligible_amount}) is less than the minimum offer amount ({original_transaction_offer.min_amount}).")
+                #     raise ValueError("You are not eligible for a loan at this time.")
+
                 transaction_offer = TransactionOffer.create_transaction_offer(
                     customer_id=customer_id,
                     transaction_id=transaction_id,
@@ -93,12 +216,21 @@ 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)
 
+            if approved_amount < offer.min_amount:
+                    logger.error(f"Max eligible amount ({approved_amount}) is less than the minimum offer amount ({offer.min_amount}).")
+                    raise ValueError("You are not eligible for a loan at this time.")
+
+            # if approved_amount < 100:
+            #         logger.error(f"Max eligible amount ({approved_amount}) is less than the minimum offer amount ({offer.min_amount}).")
+            #         raise ValueError("You are not eligible for a loan at this time.")
+
             transaction_offer = TransactionOffer.create_transaction_offer(
                 customer_id=customer_id,
                 transaction_id=transaction_id,

app/api/services/provide_loan.py

@@ -13,9 +13,11 @@ from app.api.enums import LoanStatus
 from app.extensions import db
 from datetime import datetime, timezone
 from dateutil.relativedelta import relativedelta
+from app.api.integrations import EventServiceIntegration
 from app.models import LoanRepaymentSchedule 
 from app.api.services.offer_analysis import OfferAnalysis
 from app.api.helpers.response_helper import ResponseHelper
+from datetime import datetime, timezone, timedelta
 
 class ProvideLoanService(BaseService):
     TRANSACTION_TYPE = TransactionType.PROVIDE_LOAN 
@@ -60,6 +62,13 @@ class ProvideLoanService(BaseService):
                     except ValueError as ve:
                         logger.error(str(ve))
                         return ResponseHelper.error(result_description=str(ve))
+
+
+                    if(amount < transaction_offer.min_amount):
+                        return ResponseHelper.error(result_description="The amount is less than the minimum allowed transaction amount.")
+                    elif amount > transaction_offer.max_amount:
+                        return ResponseHelper.error(result_description="The amount is greater than the maximum allowed transaction amount.")
+
                     
                     # transaction_offer_id =  int(offer_id[5:]) # The last part is int
 
@@ -105,6 +114,9 @@ class ProvideLoanService(BaseService):
                     insurance = charges["insurance"]
                     vat = charges["vat"]
                     
+                    padded_id = str(transaction_id).zfill(12)
+                    loan_ref = f"{padded_id}{channel}{offer.product_id}"
+
 
                     # Save the loan details
                     loan = Loan.create_loan(
@@ -122,6 +134,7 @@ class ProvideLoanService(BaseService):
                         eligible_amount=eligible_amount,
                         status = LoanStatus.ACTIVE,
                         tenor = offer.tenor,
+                        reference = loan_ref
                     )
 
                     if not loan:
@@ -146,24 +159,36 @@ class ProvideLoanService(BaseService):
 
                     loan_charges = LoanCharge.create_charges_for_loan(loan_id = loan_id, transaction_id = transaction_id, referenced_amount = 800, charges = charges)
 
-
                     
                 else: 
                     return ResponseHelper.error(result_description="Invalid Customer or Account")
             
-            
+
+                charge_schedule_items = ProvideLoanService.get_charge_schedule_items(
+                    loan_charges=loan_charges,
+                    offer=offer,
+                    loan_ref=loan_ref,
+                    amount=amount
+                    )
+               
                 response_data = {
                     "requestId": request_id,
                     "transactionId": transaction_id,
+                    "loanRef": loan_ref,
                     "customerId": customer_id,
                     "accountId": account_id,
-                    "msisdn": customer.msisdn
+                    "msisdn": customer.msisdn,
+                    "schedule": charge_schedule_items,
                     }
+                
+
+                event_thread = Thread(target=ProvideLoanService.trigger_loan_disbursement, args=(transaction_id,))
+                event_thread.start()
 
                 # 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()
+                kafka_thread = Thread(target=ProvideLoanService.async_send_to_kafka, args=(response_data, request_id, "PROCESS_PAYMENT"))
+                kafka_thread.start()
 
                 db.session.commit()
                 return ResponseHelper.success(data=response_data)
@@ -182,4 +207,42 @@ class ProvideLoanService(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()
+        
+    @classmethod
+    def trigger_loan_disbursement(cls, transaction_id: str):
+        response = EventServiceIntegration.direct_loan(transaction_id=transaction_id)
+        return response
+    
+    @classmethod
+    def get_charge_schedule_items(cls, loan_charges, offer, loan_ref, amount):
+        now = datetime.now(timezone.utc)
+        due_date = now + timedelta(days=offer.tenor)
+
+        charge_schedule_items = []
+        
+        charge_schedule_items.append({
+                "id": 1,
+                "dueDate": due_date.isoformat(),
+                "amountDue": amount,
+                "componentName": "PRINCIPAL",
+                "startDate": now.isoformat(),
+        })
+        
+        for idx, charge in enumerate(loan_charges, start=len(charge_schedule_items) + 1):
+            item = {
+                "id": idx,
+                "dueDate": charge.due_date.isoformat(),
+                "amountDue": float(charge.amount),
+                "componentName": charge.code.upper(),  # e.g. INTEREST, MGMT_FEE, VAT_FEE
+                "startDate": charge.created_at.isoformat(),
+            }
+
+            if charge.code.upper() == "INTEREST":
+                item["loanRef"] = loan_ref
+
+            charge_schedule_items.append(item)
+
+        return charge_schedule_items
+
+

app/api/services/repayment.py

@@ -11,6 +11,7 @@ from app.api.services.base_service import BaseService
 from app.api.enums import TransactionType 
 from threading import Thread
 from app.extensions import db
+from app.api.integrations import EventServiceIntegration
 
 class RepaymentService(BaseService):
     TRANSACTION_TYPE = TransactionType.REPAYMENT 
@@ -29,54 +30,62 @@ class RepaymentService(BaseService):
         try:
             with db.session.begin():
                 validated_data = RepaymentService.validate_data(data, RepaymentSchema())
+
                 customer_id =  validated_data.get('customerId')
                 request_id =  validated_data.get('requestId')
                 loan_id = validated_data.get('debtId')
-                product_id = validated_data.get('productId')
                 account_id = validated_data.get('accountId')
-                customer = Customer.get_customer(customer_id)
+                loan_ref = validated_data.get('loanRef')
+                # customer = Customer.get_customer_with_loan_list(customer_id)
                 transaction_id  = validated_data.get('transactionId')
-        
+                initiated_by = validated_data.get('initiatedBy')
+                logger.error(f"HERE 0002a **** ")
                 if(RepaymentService.validate_account_ownership(account_id = account_id, customer_id = customer_id)):
+                    logger.error(f"HERE 0001a **** ")
+                    # Check loan exists
+                    loan = Loan.get_customer_loan(loan_id = loan_id, customer_id = customer_id)
 
                     # Save the repayment details  
                     repayment = Repayment.create_repayment(
                         customer_id = customer_id,
-                        loan_id = loan_id,
-                        product_id = product_id,
-                        transaction_id=transaction_id
-
+                        loan = loan,
+                        transaction_id = transaction_id
                     )
 
                     if not repayment:
                         logger.error(f"Failed to save repayment details")
                         return ResponseHelper.error(result_description="Failed to save repayment details.")
-                
-                    
+
                     #Update Loan status
-                    Loan.update_status(loan_id = loan_id, status = LoanStatus.REPAID)
-                    
+                    Loan.update_status(loan_id = loan_id, status = LoanStatus.START_REPAY) # repay started bu user
                     transaction = RepaymentService.log_transaction(validated_data = validated_data)
 
                     if not transaction:
                         logger.error(f"Failed to log transaction")
                         return ResponseHelper.error(result_description="Failed to log transaction.") 
-                else: 
+                else:
+                    logger.error(f"Invalid Customer or AccountID {account_id} to CustomerID{customer_id} ")
                     return ResponseHelper.error(result_description="Invalid Customer or Account")
-        
-
 
                 # Simulated processing logic
+                # TODO start using repayment_id instead if id or Id
                 response_data = {
+                    "Id": repayment.id,
+                    "repayment_id": repayment.id,
+                    "initiated_by": repayment.initiated_by,
                     "transactionId": transaction_id,
                     "customerId": customer_id,
-                    "productId": product_id,
+                    "productId": loan.product_id,
+                    "loanRef": loan_ref,
                     "debtId": loan_id
                 }
 
+                event_thread = Thread(target=RepaymentService.trigger_loan_repayment, args=(transaction_id,))
+                event_thread.start()
+
                 # Call Kafka in a background thread
-                thread = Thread(target=RepaymentService.async_send_to_kafka, args=(response_data, request_id, "LOAN_REPAYMENT"))
-                thread.start()
+                kafka_thread = Thread(target=RepaymentService.async_send_to_kafka, args=(response_data, request_id, "LOAN_REPAYMENT"))
+                kafka_thread.start()
 
                 db.session.commit()
                 return ResponseHelper.success(data=response_data)
@@ -96,3 +105,10 @@ class RepaymentService(BaseService):
             logger.error(f"An error occurred: {str(e)}", exc_info=True)
             db.session.rollback()
             return ResponseHelper.internal_server_error()
+
+
+    @classmethod
+    def trigger_loan_repayment(cls, transaction_id: str):
+        response = EventServiceIntegration.direct_repayment(transaction_id=transaction_id)
+        return response
+    

app/api/services/select_offer.py

@@ -3,6 +3,7 @@ from marshmallow import ValidationError
 from app.api.helpers.response_helper import ResponseHelper
 from app.api.services.base_service import BaseService
 from app.api.enums import TransactionType
+from app.models.transaction_offers import TransactionOffer
 from app.utils.logger import logger
 from app.api.schemas.select_offer import SelectOfferSchema
 from app.extensions import db
@@ -57,8 +58,23 @@ class SelectOfferService(BaseService):
                 # Get the offer by product ID
                 offer = Offer.get_offer_by_product_id(product_id)
 
+                transaction_offer = TransactionOffer.get_transaction_offer(transaction_offer_id=offer_id)
+
+                if not transaction_offer:
+                    logger.error(f"offer {offer_id} not found for customer {customer_id} and transaction {transaction_id}.")
+                    return ResponseHelper.error(result_description="Offer not found.")
+
                 db.session.flush()
 
+                if amount < transaction_offer.min_amount:
+                    logger.error(f"The amount {amount} is less than the minimum allowed offer amount {transaction_offer.min_amount}.")
+                    return ResponseHelper.error(result_description="The amount is less than the minimum allowed offer amount.")
+                elif amount > transaction_offer.eligible_amount:
+                    logger.error(f"The amount {amount} is greater than the eligible offer amount {transaction_offer.eligible_amount}.")
+                    return ResponseHelper.error(result_description="The amount is greater than the eligible offer amount.")
+
+                    
+
                 charges = SelectOfferService.calculate_charges(offer, amount)
                 upfront_payment = charges["upfront_payment"]
                 total_amount = charges["total_amount"]

app/config.py

@@ -1,7 +1,6 @@
 import os
 from datetime import timedelta
 
-
 class Config:
     """Base configuration for Flask app"""
 
@@ -9,20 +8,28 @@ class Config:
     API_URL = os.getenv("API_URL", "/swagger.json")
 
     DEBUG = True
-    VALID_APP_ID = os.getenv("VALID_APP_ID", "app1")
-    VALID_API_KEY = os.getenv("VALID_API_KEY", "test-api-key-12345")
     BASIC_AUTH_USERNAME = os.environ.get("BASIC_AUTH_USERNAME", "user")
     BASIC_AUTH_PASSWORD = os.environ.get("BASIC_AUTH_PASSWORD", "password")
 
+    # Database Configuration
     DATABASE_USER = os.environ.get("DATABASE_USER")
     DATABASE_PASSWORD = os.environ.get("DATABASE_PASSWORD")
     DATABASE_HOST = os.environ.get("DATABASE_HOST")
     DATABASE_PORT = os.environ.get("DATABASE_PORT", 10532)
-    DATABASE_NAME = os.environ.get("DATABASE_NAME")
+    DATABASE_NAME = os.environ.get("DATABASE_NAME", "firstadvancedev")
+    DATABASE_SID = os.environ.get("DATABASE_SID", "FREE")
+    DNS = f"(DESCRIPTION=(ADDRESS=(PROTOCOL=TCP)(HOST={DATABASE_HOST})(PORT={DATABASE_PORT}))(CONNECT_DATA=(SID={DATABASE_SID})))"
+
+
+    # Database Connection
+    # SQLALCHEMY_DATABASE_URI = f"postgresql+psycopg2://{DATABASE_USER}:{DATABASE_PASSWORD}@{DATABASE_HOST}:{DATABASE_PORT}/{DATABASE_NAME}"
+
+    SQLALCHEMY_DATABASE_URI_INTERNAL = (f"oracle+oracledb://{DATABASE_USER}:{DATABASE_PASSWORD}@{DNS}")
+    SQLALCHEMY_DATABASE_URI = os.getenv("SQLALCHEMY_DATABASE_URI_FULL", SQLALCHEMY_DATABASE_URI_INTERNAL)
+
+    #SQLALCHEMY_DATABASE_URI_FULL = 'oracle+oracledb://FIRSTADVSTG:Pchanged_56789@10.2.110.30:1521/?service_name=firstadv'
 
-    SQLALCHEMY_DATABASE_URI = f"postgresql+psycopg2://{DATABASE_USER}:{DATABASE_PASSWORD}@{DATABASE_HOST}:{DATABASE_PORT}/{DATABASE_NAME}"
     SQLALCHEMY_TRACK_MODIFICATIONS = False
-    SIMBRELLA_BASE_URL = os.getenv("SIMBRELLA_BASE_URL", "http://127.0.0.1:6337")
 
 
     JWT_SECRET_KEY = os.getenv("JWT_SECRET_KEY", "secret-key")
@@ -34,5 +41,66 @@ class Config:
     # KAFKA_BROKER = 'dev-events.simbrellang.net:9085'
     KAFKA_BROKER = os.getenv("KAFKA_BROKER", "dev-events.simbrellang.net:9085")
 
+   # SIMBRELLA_ENDPOINT_RAC_CHECKS = os.getenv("SIMBRELLA_ENDPOINT_RAC_CHECKS", "RACCheck")
+    VALID_APP_ID = os.getenv("SIMBRELLA_APP_ID", "app1")
+    VALID_API_KEY = os.getenv("SIMBRELLA_API_KEY", "test-api-key-12345")
+    SIMBRELLA_BASE_URL = os.getenv("SIMBRELLA_BASE_URL", "http://127.0.0.1:6337")
+    SIMBRELLA_ENDPOINT_RAC_CHECKS = os.getenv("SIMBRELLA_ENDPOINT_RAC_CHECKS","api/rac-check")
+    EVENTS_SERVICE_BASE_URL = os.getenv("EVENTS_SERVICE_BASE_URL","https://event-core.simbrellang.net")
+    ENDPOINT_DIRECT_LOAN = os.getenv("ENDPOINT_DIRECT_LOAN","/autocall/direct/loan")
+    ENDPOINT_DIRECT_REPAYMENT = os.getenv("ENDPOINT_DIRECT_REPAYMENT","/autocall/direct/repayment")
+
+
+    RAC_RESULT_accountStatus = os.environ.get("RAC_RESULT_accountStatus", "true")
+    RAC_RESULT_bvnValidated = os.environ.get("RAC_RESULT_bvnValidated", "true")
+    RAC_RESULT_creditBureauCheck = os.environ.get("RAC_RESULT_creditBureauCheck", "false")
+    RAC_RESULT_crmsCheck = os.environ.get("RAC_RESULT_crmsCheck", "true")
+    RAC_RESULT_hasLien = os.environ.get("RAC_RESULT_hasLien", "false")
+    RAC_RESULT_hasPastDueLoan = os.environ.get("RAC_RESULT_hasPastDueLoan", "false")
+    RAC_RESULT_hasSalaryAccount = os.environ.get("RAC_RESULT_hasSalaryAccount", "true")
+    RAC_RESULT_isWhitelisted = os.environ.get("RAC_RESULT_isWhitelisted", "true")
+    RAC_RESULT_noBouncedCheck = os.environ.get("RAC_RESULT_noBouncedCheck", "true")
+
+    rac_true_rules = [
+        "rule1_45day_sal",
+        "rule2_2m_sal",
+        "rule3_no_bounced_check",
+        "rule4_current_loan_payments",
+        "rule5_no_past_due_fadv_loan",
+        "rule6_no_past_due_other_loan",
+        "rule7_consistent_salary_amount",
+        "rule8_whitelisted",
+        "rule9_regular_account",
+        "rule10_bvn_validation",
+        "rule11_CRC_no_delinquency",
+        "rule12_CRMS_no_delinquency",
+        "rule13_BVN_ignore",
+        "rule14_no_lien",
+        "rule15_null_ignore"
+    ]
+    
+    rac_false_rules = [
+
+    ]
+
+    rac_salary_payments = [
+        "salarypaymenT_1",
+        "salarypaymenT_2",
+        "salarypaymenT_3",
+        "salarypaymenT_4",
+        "salarypaymenT_5",
+        "salarypaymenT_6"
+    ]
+
+    MAIL_SERVER = os.getenv('MAIL_SERVER','smtp.zoho.com')
+    MAIL_PORT = 587
+    MAIL_USERNAME = os.getenv('MAIL_USERNAME', 'firstadvance@dynamikservices.tech')
+    MAIL_PASSWORD = os.getenv('MAIL_PASSWORD')
+    MAIL_USE_TLS = True
+    MAIL_USE_SSL = False
+    MAIL_DEFAULT_SENDER = ('FirstAdvance', 'firstadvance@dynamikservices.tech')
+    MAIL_RECEIVER= os.getenv('MAIL_RECEIVER', 'vdagbue@gmail.com')
+   
+
 
 settings = Config()

app/extensions.py

@@ -1,5 +1,7 @@
 from flask_sqlalchemy import SQLAlchemy
 from flask_migrate import Migrate
+from flask_mail import Mail
 
+mail = Mail()
 db = SQLAlchemy()
 migrate = Migrate()

app/models/__init__.py

@@ -9,6 +9,8 @@ from .charge import Charge
 from .rac_checks import RACCheck
 from .loan_repayment_schedule import LoanRepaymentSchedule
 from .transaction_offers import TransactionOffer
+from .repayments_data import RepaymentsData
+from .salary import Salary
 
 
-__all__ = ['Customer', 'Account', 'Loan', 'Transaction', 'Repayment', 'LoanCharge', 'Offer', 'Charge', 'RACCheck', 'LoanRepaymentSchedule', 'TransactionOffer']
+__all__ = ['Customer', 'Account', 'Loan', 'Transaction', 'Repayment', 'LoanCharge', 'Offer', 'Charge', 'RACCheck', 'LoanRepaymentSchedule', 'TransactionOffer', 'RepaymentsData', 'Salary']

app/models/account.py

@@ -13,7 +13,7 @@ class Account(db.Model):
     status = db.Column(db.String(20), default='active')
     lien_amount = db.Column(db.Float, default=0.0)
     created_at = db.Column(db.DateTime(timezone=True), server_default=func.now())
-    updated_at = db.Column(db.DateTime(timezone=True), onupdate=func.now())
+    updated_at = db.Column(db.DateTime(timezone=True), server_default=func.now(), onupdate=func.now())
 
     customer = relationship(
         "Customer",
@@ -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

@@ -14,7 +14,7 @@ class Charge(db.Model):
     description = db.Column(db.Text, nullable=True)
     due = db.Column(db.Integer, nullable=False)
     created_at = db.Column(db.DateTime(timezone=True), server_default=func.now())
-    updated_at = db.Column(db.DateTime(timezone=True), onupdate=func.now())
+    updated_at = db.Column(db.DateTime(timezone=True), server_default=func.now(), onupdate=func.now())
     offer = relationship(
         "Offer",
         primaryjoin="Charge.offer_id == Offer.id",
@@ -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

@@ -1,9 +1,12 @@
 from datetime import datetime, timezone
 from sqlalchemy.orm import relationship
+#
+# from app.api.services.offer_analysis import logger
 from app.extensions import db
 from app.models.account import Account
 from sqlalchemy.exc import IntegrityError
 from sqlalchemy.sql import func
+# from app.utils.logger import logger
 
 class Customer(db.Model):
     __tablename__ = 'customers'
@@ -12,7 +15,7 @@ class Customer(db.Model):
     msisdn = db.Column(db.String(20), unique=True, nullable=False)
     country_code = db.Column(db.String(3), nullable=False)
     created_at = db.Column(db.DateTime(timezone=True), server_default=func.now())
-    updated_at = db.Column(db.DateTime(timezone=True), onupdate=func.now())
+    updated_at = db.Column(db.DateTime(timezone=True), server_default=func.now(), onupdate=func.now())
     accounts = relationship(
         "Account",
         primaryjoin="Customer.id == Account.customer_id",
@@ -45,9 +48,19 @@ class Customer(db.Model):
     def create_customer(cls, id, msisdn, country_code, account_id, account_type='savings'):
         if cls.query.filter_by(id=id).first():
             raise ValueError("Customer already exists")
+        elif Account.query.filter_by(id=account_id).first():
+            raise ValueError("Account already exists")
+        elif cls.query.filter_by(msisdn=msisdn).first():
+            raise ValueError("msisdn 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)
             
@@ -63,7 +76,7 @@ class Customer(db.Model):
         return customer
     
     @classmethod
-    def get_customer(cls, customer_id):
+    def get_customer_with_loan_list(cls, customer_id):
         """
         Get customer by  ID.
         """

app/models/loan.py

@@ -1,4 +1,5 @@
-from datetime import datetime, timezone
+from datetime import datetime, timezone, timedelta
+from itertools import product
 from app.extensions import db
 from app.models.customer import Customer
 from app.models.account import Account
@@ -34,15 +35,21 @@ class Loan(db.Model):
     continuous_fee = db.Column(db.Float, default=0)
     upfront_fee = db.Column(db.Float, nullable=True, default=0.0)
     repayment_amount = db.Column(db.Float, nullable=True, default=0.0)
+    balance = db.Column(db.Float, nullable=True, default=0.0)
     installment_amount = db.Column(db.Float, nullable=True, default=0.0)
     status = db.Column(db.String(20), default='pending')
     tenor = db.Column(db.Integer, nullable=True)
     due_date = db.Column(db.DateTime, nullable=True) 
     created_at = db.Column(db.DateTime(timezone=True), server_default=func.now())
-    updated_at = db.Column(db.DateTime(timezone=True), onupdate=func.now())
+    updated_at = db.Column(db.DateTime(timezone=True), server_default=func.now(), onupdate=func.now())
     eligible_amount = db.Column(db.Float, nullable=True, default=0.0)
     disburse_date = db.Column(db.DateTime, nullable=True)
     disburse_verify = db.Column(db.DateTime, nullable=True)
+    reference = db.Column(db.String(50), nullable=True)
+    disburse_result = db.Column(db.String(10), nullable=True)
+    disburse_description = db.Column(db.String(100), nullable=True)
+    verify_result = db.Column(db.String(10), nullable=True)
+    verify_description = db.Column(db.String(100), nullable=True)
 
     customer = relationship(
         "Customer",
@@ -82,6 +89,7 @@ class Loan(db.Model):
         installment_amount,
         tenor,
         eligible_amount,
+        reference,
         status = "pending",
     ):
         # Check if customer exists
@@ -105,11 +113,15 @@ class Loan(db.Model):
             current_loan_amount = initial_loan_amount,
             upfront_fee = upfront_fee,
             repayment_amount = repayment_amount,
+            balance = repayment_amount,
             installment_amount = installment_amount,
             due_date=due_date,
             tenor = tenor,
             status = status,
-            eligible_amount =eligible_amount
+            eligible_amount =eligible_amount,
+            reference = reference,
+            created_at=datetime.now(timezone.utc),
+            updated_at=datetime.now(timezone.utc)
         )
         
         try:
@@ -205,12 +217,34 @@ class Loan(db.Model):
         # Update loan status and the updated_at timestamp
         loan.status = status
 
+
+    @classmethod
+    def get_daily_loan_count(cls, customer_id, product_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,
+            product_id=product_id,      
+            ).filter(
+            cls.created_at >= start_of_day,
+            cls.created_at < end_of_day
+        ).count()
+
+
     def to_dict(self):
         """
         Convert the Loan object to a dictionary format for JSON serialization.
         """
         return {
             'debtId': self.id,
+            'transactionId': self.transaction_id,
+            'loanRef': self.reference,
+            'productId': self.product_id,
             'initialLoanAmount': self.initial_loan_amount,
             'currentLoanAmount': self.current_loan_amount,
             'defaultPenaltyFee': self.default_penalty_fee,
@@ -220,6 +254,7 @@ class Loan(db.Model):
             'repaymentAmount': self.repayment_amount,
             'installmentAmount': self.installment_amount,
             'status': self.status,
+            'tenor': self.tenor,
             'dueDate': self.due_date.isoformat() if self.due_date else None,
             'loanDate': self.created_at.isoformat() if self.created_at else None,
         }

app/models/loan_charge.py

@@ -18,7 +18,7 @@ class LoanCharge(db.Model):
     due = db.Column(db.Integer, nullable=False)
     due_date = db.Column(db.DateTime, nullable=True)
     created_at = db.Column(db.DateTime(timezone=True), server_default=func.now())
-    updated_at = db.Column(db.DateTime(timezone=True), onupdate=func.now())
+    updated_at = db.Column(db.DateTime(timezone=True), server_default=func.now(), onupdate=func.now())
     loan = relationship(
         "Loan",
         primaryjoin="LoanCharge.loan_id == Loan.id",
@@ -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

@@ -17,9 +17,14 @@ class LoanRepaymentSchedule(db.Model):
     total_repayment_amount = db.Column(db.Float, default=0.0)
     paid = db.Column(db.Boolean, default=False)
     paid_at = db.Column(db.DateTime, nullable=True)
+    due_process_date = db.Column(db.DateTime, nullable=True)
+    due_process_count = db.Column(db.Integer, default=0)
+    paid_status = db.Column(db.String(20), nullable=True)
+    repay_description = db.Column(db.String(255), nullable=True)
+    partial_balance = db.Column(db.Float, default=0.0)
 
     created_at = db.Column(db.DateTime(timezone=True), server_default=func.now())
-    updated_at = db.Column(db.DateTime(timezone=True), onupdate=func.now())
+    updated_at = db.Column(db.DateTime(timezone=True), server_default=func.now(), onupdate=func.now())
     loan = relationship(
         "Loan",
         primaryjoin="LoanRepaymentSchedule.loan_id == Loan.id",
@@ -45,7 +50,9 @@ 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

@@ -7,8 +7,8 @@ from sqlalchemy.sql import func
 class Offer(db.Model):
     __tablename__ = 'offers'
 
-    id = db.Column(db.String, primary_key=True)
-    product_id = db.Column(db.String, nullable=False)
+    id = db.Column(db.String(50), primary_key=True)
+    product_id = db.Column(db.String(50), nullable=False)
     min_amount = db.Column(db.Float, nullable=False)
     max_amount = db.Column(db.Float, nullable=False)
     tenor = db.Column(db.Integer, nullable=False)
@@ -18,8 +18,12 @@ class Offer(db.Model):
     insurance_rate = db.Column(db.Float, default=1.0)
     vat_rate = db.Column(db.Float, default=7.5)
     list_order = db.Column(db.Integer, nullable=True)
+    max_daily_loans = db.Column(db.Integer, nullable=True)
+    max_active_loans = db.Column(db.Integer, nullable=True)
+    max_life_loans = db.Column(db.Integer, nullable=True)
     created_at = db.Column(db.DateTime(timezone=True), server_default=func.now())
-    updated_at = db.Column(db.DateTime(timezone=True), onupdate=func.now())
+    updated_at = db.Column(db.DateTime(timezone=True), server_default=func.now(), onupdate=func.now())
+
     charges = relationship(
         "Charge",
         primaryjoin="Offer.id == Charge.offer_id",
@@ -79,7 +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

@@ -3,6 +3,7 @@ from app.extensions import db
 from sqlalchemy.orm import relationship
 from sqlalchemy.exc import IntegrityError
 from uuid import uuid4
+import json
 from sqlalchemy.types import JSON
 from sqlalchemy.sql import func
 
@@ -11,11 +12,22 @@ class RACCheck(db.Model):
 
     id = db.Column(db.Integer, primary_key=True, autoincrement=True)
     transaction_id = db.Column(db.String(50), nullable=False)
-    customer_id = db.Column(db.String, nullable=False)
-    account_id = db.Column(db.String, nullable=False)
-    rac_response = db.Column(db.JSON, nullable=False)
+    customer_id = db.Column(db.String(50), nullable=False)
+    account_id = db.Column(db.String(50), nullable=False)
+    rac_response = db.Column(db.Text, nullable=False)
     created_at = db.Column(db.DateTime(timezone=True), server_default=func.now())
-    updated_at = db.Column(db.DateTime(timezone=True), onupdate=func.now())
+    updated_at = db.Column(db.DateTime(timezone=True), server_default=func.now(), onupdate=func.now())
+
+
+    @property
+    def rac_response_data(self):
+        return json.loads(self.rac_response)
+
+    @rac_response_data.setter
+    def rac_response_data(self, value):
+        self.rac_response = json.dumps(value)
+
+
     @classmethod
     def add_rac_check(cls, customer_id, account_id, transaction_id, data = None):
     
@@ -25,8 +37,11 @@ class RACCheck(db.Model):
             customer_id = customer_id,
             account_id = account_id,
             transaction_id = transaction_id,
-            rac_response = data
+            created_at=datetime.now(timezone.utc),
+            updated_at=datetime.now(timezone.utc)
         )
+
+        rac_check.rac_response_data = data or {}
         
         try:
             db.session.add(rac_check)
@@ -64,7 +79,7 @@ class RACCheck(db.Model):
             "transactionId": str(self.transaction_id),
             "customerId": self.customer_id,
             "accountId": self.account_id,
-            "racResponse": self.rac_response,
+            "racResponse": self.rac_response_data,
             "createdAt": self.created_at.isoformat(),
             "updatedAt": self.updated_at.isoformat() if self.updated_at else None
         }

app/models/repayment.py

@@ -19,30 +19,35 @@ class Repayment(db.Model):
     customer_id = db.Column(db.String(50), nullable=False)
     product_id = db.Column(db.String(20), nullable=True)
     created_at = db.Column(db.DateTime(timezone=True), server_default=func.now())
-    updated_at = db.Column(db.DateTime(timezone=True), onupdate=func.now())
+    updated_at = db.Column(db.DateTime(timezone=True), server_default=func.now(), onupdate=func.now())
     transaction_id = db.Column(db.String(50), nullable=True)
+    # repay_date = db.Column(db.DateTime, default=datetime.now(timezone.utc))
+    repay_date = db.Column(db.DateTime, nullable=True)
+    repay_result = db.Column(db.String(10), nullable=True)
+    repay_description = db.Column(db.String(100), nullable=True)
+    # verify_date = db.Column(db.DateTime, default=datetime.now(timezone.utc))
+    verify_date = db.Column(db.DateTime, nullable=True)
+    verify_result = db.Column(db.String(10), nullable=True)
+    verify_description = db.Column(db.String(100), nullable=True)
+    initiated_by = db.Column(db.String(50), nullable=True)
+    salary_amount = db.Column(db.Float, nullable=True, default=0.0)
 
     @classmethod
-    def create_repayment(cls, customer_id, loan_id, product_id, transaction_id):
-
-
-        # Check customer exists
-        if not Customer.is_valid_customer(customer_id):
-            raise ValueError("Invalid customer")
-
-        # Check loan exists
-        loan = Loan.get_customer_loan(loan_id = loan_id, customer_id = customer_id)
+    def create_repayment(cls, customer_id, loan, transaction_id):
         
         # Check that the loan is active
-        if loan.status != LoanStatus.ACTIVE:
+        if loan.status not in [LoanStatus.ACTIVE, LoanStatus.START_REPAY]:
             raise ValueError(f"Repayment cannot be processed. Loan status: ({loan.status})")
         
 
         repayment = cls(
             customer_id=customer_id,
-            loan_id=loan_id,
-            product_id=product_id,
-            transaction_id = transaction_id
+            loan_id=loan.id,
+            product_id=loan.product_id,
+            transaction_id = transaction_id,
+            created_at=datetime.now(timezone.utc),
+            updated_at=datetime.now(timezone.utc),
+            initiated_by='USER_INITIATED'
         )
 
         try:
@@ -51,6 +56,25 @@ class Repayment(db.Model):
             raise ValueError(f"Database integrity error: {err}")
 
         return repayment
+    
+    def to_dict(self):
+        return {
+            "id": self.id,
+            "loan_id": self.loan_id,
+            "customer_id": self.customer_id,
+            "product_id": self.product_id,
+            "created_at": self.created_at.isoformat() if self.created_at else None,
+            "updated_at": self.updated_at.isoformat() if self.updated_at else None,
+            "transaction_id": self.transaction_id,
+            "repay_date": self.repay_date.isoformat() if self.repay_date else None,
+            "repay_result": self.repay_result,
+            "repay_description": self.repay_description,
+            "verify_date": self.verify_date.isoformat() if self.verify_date else None,
+            "verify_result": self.verify_result,
+            "verify_description": self.verify_description,
+            "initiated_by": self.initiated_by,
+            "salary_amount": self.salary_amount
+        }
 
     def __repr__(self):
         return f'<Repayment {self.id}>'

app/models/repayments_data.py

@@ -0,0 +1,36 @@
+from datetime import datetime, timezone
+from app.extensions import db
+
+
+class RepaymentsData(db.Model):
+    __tablename__ = "repayments_data"
+
+    id = db.Column(db.Integer, primary_key=True, autoincrement=True)
+    transaction_id = db.Column(db.String(50), nullable=False)
+    fbn_transaction_id = db.Column(db.String(50), nullable=True)
+    customer_id = db.Column(db.String(50), nullable=True)
+    account_id = db.Column(db.String(50), nullable=True)
+    repayment_amount = db.Column(db.Float, nullable=True, default=0.0)
+    amount_collected = db.Column(db.Float, nullable=True, default=0.0)
+    added_date = db.Column(db.DateTime(timezone=True), default=datetime.now(timezone.utc), nullable=False)
+    response_code = db.Column(db.String(10), nullable=True)
+    response_descr = db.Column(db.String(255), nullable=True)
+    balance = db.Column(db.Float, nullable=True, default=0.0)
+
+    def to_dict(self):
+        return {
+            "id": self.id,
+            "transaction_id": self.transaction_id,
+            "fbn_transaction_id": self.fbn_transaction_id,
+            "customer_id": self.customer_id,
+            "account_id": self.account_id,
+            "repayment_amount": self.repayment_amount,
+            "amount_collected": self.amount_collected,
+            "added_date": self.added_date.isoformat() if self.added_date else None,
+            "response_code": self.response_code,
+            "response_descr": self.response_descr,
+            "balance": self.balance,
+        }
+
+    def __repr__(self):
+        return f"<RepaymentsData id={self.id}, transaction_id={self.transaction_id}>"

app/models/salary.py

@@ -0,0 +1,31 @@
+from datetime import datetime, timezone
+from app.extensions import db
+from sqlalchemy.sql import func
+
+class Salary(db.Model):
+    __tablename__ = 'salaries'
+
+    id = db.Column(db.Integer, primary_key=True, autoincrement=True)
+    customer_id = db.Column(db.String(50), nullable=False)
+    account_id = db.Column(db.String(50), nullable=True)
+    status = db.Column(db.String(20), default='active')
+    amount = db.Column(db.Float, nullable=False, default=0.0)
+    salary_date = db.Column(db.DateTime(timezone=False), server_default=func.now())
+    created_at = db.Column(db.DateTime(timezone=False), server_default=func.now())
+    updated_at = db.Column(db.DateTime(timezone=False), server_default=func.now(), onupdate=func.now())
+
+    def to_dict(self):
+        return {
+            "id": self.id,
+            "customer_id": self.customer_id,
+            "account_id": self.account_id,
+            "status": self.status,
+            "amount": self.amount,
+            "salary_date": self.salary_date.isoformat() if self.salary_date else None,
+            "created_at": self.created_at.isoformat() if self.created_at else None,
+            "updated_at": self.updated_at.isoformat() if self.updated_at else None
+        }
+
+    def __repr__(self):
+        return f'<Salary {self.id} - {self.amount}>'
+    

app/models/transaction.py

@@ -17,8 +17,10 @@ class Transaction(db.Model):
     customer_id = db.Column(db.String(50), nullable=True)
     type = db.Column(db.String(50), nullable=False)
     channel = db.Column(db.String(50), nullable=False)
+    phone_number = db.Column(db.String(50), nullable=True)
     created_at = db.Column(db.DateTime(timezone=True), server_default=func.now())
-    updated_at = db.Column(db.DateTime(timezone=True), onupdate=func.now())
+    updated_at = db.Column(db.DateTime(timezone=True), server_default=func.now(), onupdate=func.now())
+    
     def __repr__(self):
         return f'<Transaction {self.id}>'
 
@@ -38,7 +40,9 @@ 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
@@ -22,7 +23,7 @@ class TransactionOffer(db.Model):
     tenor = db.Column(db.Integer, nullable=True)  # tenor in months, typically
 
     created_at = db.Column(db.DateTime(timezone=True), server_default=func.now())
-    updated_at = db.Column(db.DateTime(timezone=True), onupdate=func.now())
+    updated_at = db.Column(db.DateTime(timezone=True), server_default=func.now(), onupdate=func.now())
     customer = relationship(
         "Customer",
         primaryjoin="Customer.id == TransactionOffer.customer_id",
@@ -31,12 +32,11 @@ class TransactionOffer(db.Model):
     )
 
     @classmethod
-
     def is_valid_transaction_offer(cls, transaction_offer, customer_id, product_id):
         transaction_offer = cls.query.filter_by(
             id = transaction_offer,
             customer_id = customer_id,
-            product_id = product_id
+            # product_id = product_id
             # transaction_id = transaction_id,
             ).first()
 
@@ -59,7 +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)
@@ -67,6 +69,33 @@ 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_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()
+    
+    @classmethod
+    def get_transaction_offer(cls, transaction_offer_id):
+        """
+        Returns a transaction offer by its ID.
+        """
+        return cls.query.get(transaction_offer_id)
+
+
+    
+
     def to_dict(self):
         return {
             'id': self.id,

app/swagger/digifi_swagger.json

@@ -20,12 +20,15 @@
     {
       "url": "http://api.dev.simbrellang.net:4500"
     },
-        {
+    {
       "url": "https://api.dev.simbrellang.net"
+    },
+    {
+      "url": "http://10.2.249.133:4500"
     }
   ],
   "tags": [
-      {
+    {
       "name": "Authorize",
       "description": "This feature will be used for authorizing customers.",
       "externalDocs": {
@@ -80,6 +83,10 @@
         "description": "Find out more",
         "url": "https://www.simbrellang.net"
       }
+    },
+    {
+      "name": "Health",
+      "description": "System health check including DB status."
     }
   ],
   "paths": {
@@ -103,6 +110,41 @@
     },
     "/Repayment": {
       "$ref": "swagger/paths/Repayment.json"
+    },
+    "/health": {
+      "get": {
+        "tags": ["Health"],
+        "summary": "Health Check",
+        "description": "Returns service health information including DB connection status.",
+        "responses": {
+          "200": {
+            "description": "Health check successful",
+            "content": {
+              "application/json": {
+                "example": {
+                  "status": "ok",
+                  "db_status": "Connection Successful",
+                  "events_service_status": "healthy",
+                  "error": []
+                }
+              }
+            }
+          },
+          "500": {
+            "description": "Health check failed",
+            "content": {
+              "application/json": {
+                "example": {
+                  "status": "ok",
+                  "db_status": "Connection Failed",
+                  "events_service_status": "unhealthy",
+                  "error":["could not connect to server: Connection refused"]
+                }
+              }
+            }
+          }
+        }
+      }
     }
   },
   "components": {
@@ -131,18 +173,6 @@
       "RepaymentResponse": {
         "$ref": "swagger/schemas/RepaymentResponse.json"
       },
-      "CustomerConsentRequest": {
-        "$ref": "swagger/schemas/CustomerConsentRequest.json"
-      },
-      "CustomerConsentResponse": {
-        "$ref": "swagger/schemas/CustomerConsentResponse.json"
-      },
-      "NotificationCallbackRequest": {
-        "$ref": "swagger/schemas/NotificationCallbackRequest.json"
-      },
-      "NotificationCallbackResponse": {
-        "$ref": "swagger/schemas/NotificationCallbackResponse.json"
-      },
       "ApiResponse": {
         "$ref": "swagger/schemas/ApiResponse.json"
       },

app/swagger/paths/AuthorizeRefresh.json

@@ -1,6 +1,6 @@
 {
   "post": {
-    "tags": ["Authorize Refresh"],
+    "tags": ["AuthorizeRefresh"],
     "summary": "Customer Authorize Refresh Request",
     "description": "Customer Authorize Refresh Request",
     "operationId": "AuthorizeRefresh",

app/swagger/paths/CustomerConsent.json

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

app/swagger/paths/NotificationCallback.json

@@ -1,57 +0,0 @@
-{
-    "post": {
-      "tags": [
-        "NotificationCallback"
-      ],
-      "summary": "Loan Information Request ",
-      "description": "Loan Information Request",
-      "operationId": "NotificationCallback",
-      "requestBody": {
-        "description": "Post JSON to conduct eligibility tests",
-        "content": {
-          "application/json": {
-            "schema": {
-              "$ref": "../schemas/NotificationCallbackRequest.json"
-            }
-          },
-          "application/xml": {
-            "schema": {
-              "$ref": "../schemas/NotificationCallbackRequest.json"
-            }
-          },
-          "application/x-www-form-urlencoded": {
-            "schema": {
-              "$ref": "../schemas/NotificationCallbackRequest.json"
-            }
-          }
-        },
-        "required": true
-      },
-      "responses": {
-        "200": {
-          "description": "Successful operation",
-          "content": {
-            "application/json": {
-              "schema": {
-                "$ref": "../schemas/NotificationCallbackResponse.json"
-              }
-            },
-            "application/xml": {
-              "schema": {
-                "$ref": "../schemas/NotificationCallbackResponse.json"
-              }
-            }
-          }
-        },
-       "400": {
-          "description": "Invalid request"
-        },
-        "422": {
-          "description": "Validation exception"
-        },
-        "500": {
-          "description": "Internal server error"
-        }
-      }
-    }
-  }

app/swagger/schemas/CustomerConsentRequest.json

@@ -1,37 +0,0 @@
-{
-    "type": "object",
-    "properties": {
-        "type": {
-            "type": "string",
-            "example": "CustomerConsentRequest"
-        },
-        "transactionId": {
-            "type": "string",
-            "example": "20171209232177"
-        },
-        "customerId": {
-            "type": "string",
-            "example": "CN621868"
-        },
-        "accountId": {
-            "type": "string",
-            "example": "ACN8263457"
-        },
-        "requestTime": {
-            "type": "string",
-            "format": "date-time",
-            "example": "2019-10-18 14:26:21.063"
-        },
-        "consentType": {
-            "type": "string",
-            "example": "Revoke"
-        },
-        "channel": {
-            "type": "string",
-            "example": "USSD"
-        }
-    },
-    "xml": {
-        "name": "CustomerConsentRequest"
-    }
-}

app/swagger/schemas/CustomerConsentResponse.json

@@ -1,16 +0,0 @@
-{
-    "type": "object",
-    "properties": {
-        "resultCode": {
-            "type": "string",
-            "example": "00"
-        },
-        "resultDescription": {
-            "type": "string",
-            "example": "Request is received"
-        }
-    },
-    "xml": {
-        "name": "CustomerConsentResponse"
-    }
-}

app/swagger/schemas/EligibilityCheckRequest.json

@@ -3,7 +3,7 @@
     "properties": {
         "transactionId": {
             "type": "string",
-            "example": "Tr201712RK9232P115"
+            "example": "TRX201712RK9232P115"
         },
         "countryCode": {
             "type": "string",
@@ -11,19 +11,19 @@
         },
         "customerId": {
             "type": "string",
-            "example": "CN621868"
-        },
-        "msisdn": {
-            "type": "string",
-            "example": "8093451342"
-        },
-        "channel": {
-            "type": "string",
-            "example": "100"
+            "example": "5268548"
         },
         "accountId": {
             "type": "string",
-            "example": "ACN8263457"
+            "example": "4348094226"
+        },
+        "msisdn": {
+            "type": "string",
+            "example": "2348093451342"
+        },
+        "channel": {
+            "type": "string",
+            "example": "USSD"
         }
     },
     "xml": {

app/swagger/schemas/EligibilityCheckResponse.json

@@ -3,19 +3,19 @@
     "properties": {
         "customerId": {
             "type": "string",
-            "example": "CN621868"
+            "example": "5268548"
         },
         "transactionId": {
             "type": "string",
-            "example": "TX12345"
+            "example": "TRX201712RK9232P115"
         },
         "countryCode": {
             "type": "string",
-            "example": "NG"
+            "example": "NGR"
         },
         "msisdn": {
             "type": "string",
-            "example": "3451342"
+            "example": "2348093451342"
         },
         "eligibleOffers": {
             "type": "array",
@@ -24,42 +24,42 @@
                 "properties": {
                     "offerId": {
                         "type": "string",
-                        "example": "Offer1"
+                        "example": "SAL90000204"
                     },
                     "productId": {
                         "type": "string",
-                        "example": "Product1"
+                        "example": "3MPC"
                     },
                     "minAamount": {
                         "type": "number",
                         "format": "decimal",
-                        "example": 100.00
+                        "example": 20000.00
                     },
                     "maxAamount": {
                         "type": "number",
                         "format": "decimal",
-                        "example": 1000.00
+                        "example": 31257.00
                     },
                     "tenor": {
                         "type": "integer",
-                        "example": 12
+                        "example": 90
                     }
                 }
             },
             "example": [
-                {
-                    "offerId": "Offer1",
-                    "productId": "Product1",
-                    "minAamount": 100.00,
-                    "maxAamount": 1000.00,
-                    "tenor": 12
+                 {
+                    "max_amount": "31257.00",
+                    "min_amount": 20000.0,
+                    "offerId": "SAL90000204",
+                    "product_id": "3MPC",
+                    "tenor": 90
                 },
                 {
-                    "offerId": "Offer2",
-                    "productId": "Product2",
-                    "minAamount": 200.00,
-                    "maxAamount": 2000.00,
-                    "tenor": 24
+                    "max_amount": "20838.00",
+                    "min_amount": 5000.0,
+                    "offerId": "SAL30000205",
+                    "product_id": "AMPC",
+                    "tenor": 30
                 }
             ]
         },

app/swagger/schemas/LoanStatusRequest.json

@@ -3,15 +3,15 @@
     "properties": {
         "transactionId": {
             "type": "string",
-            "example": "Tr201712RK9232P115"
+            "example": "TRCVIC73089465966"
         },
         "customerId": {
             "type": "string",
-            "example": "CN621868"
+            "example": "ZX48440946"
         },
         "msisdn": {
             "type": "string",
-            "example": "3451342"
+            "example": "2348093451342"
         },
         "channel": {
             "type": "string",
@@ -19,7 +19,7 @@
         },
         "accountId": {
             "type": "string",
-            "example": "ACN8263457"
+            "example": "361005323"
         }
     },
     "xml": {

app/swagger/schemas/LoanStatusResponse.json

@@ -1,83 +1,110 @@
 {
-    "type": "object",
-    "properties": {
-        "customerId": {
-            "type": "string",
-            "example": "CN621868"
-        },
-        "transactionId": {
-            "type": "string",
-            "example": "Tr201712RK9232P115"
-        },
-        "loans": {
-            "type": "array",
-            "items": {
-                "type": "object",
-                "properties": {
-                    "debtId": {
-                        "type": "string",
-                        "example": "123456789"
-                    },
-                    "loanDate": {
-                        "type": "string",
-                        "format": "date-time",
-                        "example": "2019-10-18 14:26:21.063"
-                    },
-                    "dueDate": {
-                        "type": "string",
-                        "format": "date-time",
-                        "example": "2019-11-20 14:26:21.063"
-                    },
-                    "currentLoanAmount": {
-                        "type": "integer",
-                        "example": 8500
-                    },
-                    "initialLoanAmount": {
-                        "type": "integer",
-                        "example": 10000
-                    },
-                    "defaultPenaltyFee": {
-                        "type": "integer",
-                        "example": 0
-                    },
-                    "continuousFee": {
-                        "type": "integer",
-                        "example": 0
-                    },
-                    "productId": {
-                        "type": "string",
-                        "example": "101"
-                    },
-                    "installment": {
-            "type": "array",
-            "items": {
-                "type": "object",
-                "properties": {
-                    "amount": {
-                        "type": "number",
-                        "format": "float",
-                        "example": 10000.0
-                    },
-                    "repaymentDate": {
-                        "type": "string",
-                        "example": "2025-04-24 10:31:"
-                    }
-                }
-            }
-        }
-                }
-            }
-        },
-        "resultCode": {
-            "type": "string",
-            "example": "00"
-        },
-        "resultDescription": {
-            "type": "string",
-            "example": "Successful"
-        }
+  "type": "object",
+  "properties": {
+    "customerId": {
+      "type": "string",
+      "example": "ZX48440946"
     },
-    "xml": {
-        "name": "LoanStatusResponse"
+    "transactionId": {
+      "type": "string",
+      "example": "TRCVIC49381378037"
+    },
+    "accountId": {
+      "type": "string",
+      "example": "361005323"
+    },
+    "loans": {
+      "type": "array",
+      "items": {
+        "type": "object",
+        "properties": {
+          "debtId": {
+            "type": "integer",
+            "example": 80
+          },
+          "loanDate": {
+            "type": "string",
+            "format": "date-time",
+            "example": "2025-09-12T11:58:58"
+          },
+          "dueDate": {
+            "type": "string",
+            "format": "date-time",
+            "example": "2025-12-11T11:58:58"
+          },
+          "currentLoanAmount": {
+            "type": "number",
+            "format": "float",
+            "example": 30000.0
+          },
+          "initialLoanAmount": {
+            "type": "number",
+            "format": "float",
+            "example": 30000.0
+          },
+          "defaultPenaltyFee": {
+            "type": "number",
+            "format": "float",
+            "example": 0.0
+          },
+          "continuousFee": {
+            "type": "number",
+            "format": "float",
+            "example": 0.0
+          },
+          "productId": {
+            "type": "string",
+            "example": "3MPC"
+          },
+          "installmentAmount": {
+            "type": "number",
+            "format": "float",
+            "example": 10900.0
+          },
+          "repaymentAmount": {
+            "type": "number",
+            "format": "float",
+            "example": 32700.0
+          },
+          "loanRef": {
+            "type": "string",
+            "example": "TRCVIC73089465966USSD3MPC"
+          },
+          "status": {
+            "type": "string",
+            "example": "active"
+          },
+          "tenor": {
+            "type": "integer",
+            "example": 90
+          },
+          "transactionId": {
+            "type": "string",
+            "example": "TRCVIC73089465966"
+          },
+          "upfrontFee": {
+            "type": "number",
+            "format": "float",
+            "example": 622.5
+          }
+        }
+      }
+    },
+    "resultCode": {
+      "type": "string",
+      "example": "00"
+    },
+    "resultDescription": {
+      "type": "string",
+      "example": "Successful"
+    },
+    "totalDebtAmount": {
+      "type": "number",
+      "format": "float",
+      "example": 30000.0
     }
-}
+  },
+  "xml": {
+    "name": "LoanStatusResponse"
+  }
+}

app/swagger/schemas/NotificationCallbackRequest.json

@@ -1,50 +0,0 @@
-{
-    "type": "object",
-    "properties": {
-        "fbnTransactionId": {
-            "type": "string",
-            "example": "123456789"
-        },
-        "transactionId": {
-            "type": "string",
-            "example": "123456789"
-        },
-        "customerId": {
-            "type": "string",
-            "example": "CN621868"
-        },
-        "accountId": {
-            "type": "string",
-            "example": "ACN8263457"
-        },
-        "debtId": {
-            "type": "string",
-            "example": "987654321"
-        },
-        "transactionType": {
-            "type": "string",
-            "example": "Disbursement"
-        },
-        "amountProvided": {
-            "type": "number",
-            "format": "float",
-            "example": 1000.00
-        },
-        "amountCollected": {
-            "type": "number",
-            "format": "float",
-            "example": 0.00
-        },
-        "responseCode": {
-            "type": "string",
-            "example": "00"
-        },
-        "responseDescription": {
-            "type": "string",
-            "example": "Successful"
-        }
-    },
-    "xml": {
-        "name": "NotificationCallbackRequest"
-    }
-}

app/swagger/schemas/NotificationCallbackResponse.json

@@ -1,16 +0,0 @@
-{
-    "type": "object",
-    "properties": {
-        "resultCode": {
-            "type": "string",
-            "example": "00"
-        },
-        "resultDescription": {
-            "type": "string",
-            "example": "Successful"
-        }
-    },
-    "xml": {
-        "name": "NotificationCallbackResponse"
-    }
-}

app/swagger/schemas/ProvideLoanRequest.json

@@ -3,40 +3,40 @@
     "properties": {
         "requestId": {
             "type": "string",
-            "example": "202111170001371256908"
+            "example": "RQID11170001371256908"
         },
         "transactionId": {
             "type": "string",
-            "example": "Tr201712RK9232P115"
+            "example": "TRCVIC73089465966"
         },
         "customerId": {
             "type": "string",
-            "example": "CN621868"
+            "example": "ZX48440946"
         },
         "accountId": {
             "type": "string",
-            "example": "ACN8263457"
+            "example": "361005323"
         },
         "msisdn": {
             "type": "string",
-            "example": "3451342"
+            "example": "2348093451342"
         },
         "requestedAmount": {
             "type": "number",
             "format": "decimal",
-            "example": 900
+            "example": 20000
         },
         "collectionType": {
             "type": "integer",
-            "example": 1
+            "example": 0
         },
         "offerId": {
             "type": "integer",
-            "example": 1127
+            "example": "SAL900004543304"
         },
         "channel": {
             "type": "string",
-            "example": "100"
+            "example": "USSD"
         }
     },
     "xml": {

app/swagger/schemas/ProvideLoanResponse.json

@@ -1,40 +1,75 @@
 {
-    "type": "object",
-    "properties": {
-        "requestId": {
-            "type": "string",
-            "example": "202111170001371256908"
-        },
-        "transactionId": {
-            "type": "string",
-            "example": "Tr201712RK9232P115"
-        },
-        "loanRef": {
-            "type": "string",
-            "example": "1620029887USSDAMPC"
-        },
-        "customerId": {
-            "type": "string",
-            "example": "CN621868"
-        },
-        "accountId": {
-            "type": "string",
-            "example": "ACN8263457"
-        },
-        "msisdn": {
-            "type": "string",
-            "example": "3451342"
-        },
-        "resultCode": {
-            "type": "string",
-            "example": "00"
-        },
-        "resultDescription": {
-            "type": "string",
-            "example": "Successful"
-        }
+  "type": "object",
+  "properties": {
+    "requestId": {
+      "type": "string",
+      "example": "81757678335583"
     },
-    "xml": {
-        "name": "ProvideLoanResponse"
+    "transactionId": {
+      "type": "string",
+      "example": "TRCVIC73089465966"
+    },
+    "loanRef": {
+      "type": "string",
+      "example": "TRCVIC73089465966USSD3MPC"
+    },
+    "customerId": {
+      "type": "string",
+      "example": "ZX48440946"
+    },
+    "accountId": {
+      "type": "string",
+      "example": "361005323"
+    },
+    "msisdn": {
+      "type": "string",
+      "example": "98016510058"
+    },
+    "schedule": {
+      "type": "array",
+      "description": "List of loan repayment components with due dates and amounts.",
+      "items": {
+        "type": "object",
+        "properties": {
+          "id": {
+            "type": "integer",
+            "example": 1
+          },
+          "amountDue": {
+            "type": "number",
+            "example": 2000.0
+          },
+          "componentName": {
+            "type": "string",
+            "example": "INTEREST"
+          },
+          "dueDate": {
+            "type": "string",
+            "format": "date-time",
+            "example": "2026-01-13T11:36:39.890747+00:00"
+          },
+          "startDate": {
+            "type": "string",
+            "format": "date-time",
+            "example": "2025-10-15T11:36:39.890747+00:00"
+          },
+          "loanRef": {
+            "type": "string",
+            "example": "TRX1760528156816285USSD3MPC"
+          }
+        }
+      }
+    },
+    "resultCode": {
+      "type": "string",
+      "example": "00"
+    },
+    "resultDescription": {
+      "type": "string",
+      "example": "Successful"
     }
-}
+  },
+  "xml": {
+    "name": "ProvideLoanResponse"
+  }
+}

app/swagger/schemas/RepaymentRequest.json

@@ -3,31 +3,27 @@
     "properties": {
         "msisdn": {
             "type": "string",
-            "example": "3451342"
+            "example": "2348093451342"
         },
         "debtId": {
-            "type": "string",
-            "example": "10"
-        },
-        "productId": {
-            "type": "string",
-            "example": "101"
+            "type": "number",
+            "example": 80
         },
         "transactionId": {
             "type": "string",
-            "example": "20171209232115"
+            "example": "TRCVIC73089465966"
         },
         "customerId": {
             "type": "string",
-            "example": "CID0000025585"
+            "example": "ZX48440946"
         },
-        "channel": {
+        "loanRef": {
             "type": "string",
-            "example": "USSD"
+            "example": "TRCVIC73089465966USSD3MPC"
         },
         "accountId": {
             "type": "string",
-            "example": "ACN8263457"
+            "example": "361005323"
         }
     },
     "xml": {

app/swagger/schemas/RepaymentResponse.json

@@ -1,28 +1,48 @@
 {
-    "type": "object",
-    "properties": {
-        "customerId": {
-            "type": "string",
-            "example": "CN621868"
-        },
-        "productId": {
-            "type": "string",
-            "example": "101"
-        },
-        "debtId": {
-            "type": "string",
-            "example": "273194670"
-        },
-        "resultCode": {
-            "type": "string",
-            "example": "00"
-        },
-        "resultDescription": {
-            "type": "string",
-            "example": "Successful"
-        }
+  "type": "object",
+  "properties": {
+    "Id": {
+      "type": "integer",
+      "example": 195
     },
-    "xml": {
-        "name": "RepaymentResponse"
+    "customerId": {
+      "type": "string",
+      "example": "ZX48440946"
+    },
+    "debtId": {
+      "type": "string",
+      "example": "80"
+    },
+    "initiated_by": {
+      "type": "string",
+      "example": "USER_INITIATED"
+    },
+    "loanRef": {
+      "type": "string",
+      "example": "TRCVIC73089465966USSD3MPC"
+    },
+    "productId": {
+      "type": "string",
+      "example": "3MPC"
+    },
+    "repayment_id": {
+      "type": "integer",
+      "example": 195
+    },
+    "transactionId": {
+      "type": "string",
+      "example": "TRCVIC73089465966"
+    },
+    "resultCode": {
+      "type": "string",
+      "example": "00"
+    },
+    "resultDescription": {
+      "type": "string",
+      "example": "Successful"
     }
-}
+  },
+  "xml": {
+    "name": "RepaymentResponse"
+  }
+}

app/swagger/schemas/SelectOfferRequest.json

@@ -3,40 +3,40 @@
     "properties": {
         "requestId": {
             "type": "string",
-            "example": "202111170001371256908"
+            "example": "RQID11170001371256908"
         },
         "transactionId": {
             "type": "string",
-            "example": "1231231321232"
+            "example": "TRX1231231321232"
         },
         "customerId": {
             "type": "string",
-            "example": "CN621868"
-        },
-        "msisdn": {
-            "type": "string",
-            "example": "123456789"
-        },
-        "requestedAmount": {
-            "type": "number",
-            "format": "double",
-            "example": 10000.55
+            "example": "CN6215268548868"
         },
         "accountId": {
             "type": "string",
-            "example": "ACN8263457"
+            "example": "4348094226"
         },
+        "msisdn": {
+            "type": "string",
+            "example": "2348093451342"
+        },
+        "requestedAmount": {
+            "type": "number",
+            "example": 20000
+        },
+       
         "productId": {
             "type": "string",
             "example": "3MPC"
         },
         "offerId": {
             "type": "string",
-            "example": "101"
+            "example": "SAL900004543304"
         },
         "channel": {
             "type": "string",
-            "example": ""
+            "example": "USSD"
         }
     },
     "xml": {

app/swagger/schemas/SelectOfferResponse.json

@@ -1,121 +1,129 @@
 {
-    "type": "object",
-    "properties": {
-        "requestId": {
+  "type": "object",
+  "properties": {
+    "requestId": {
+      "type": "string",
+      "example": "81757678225025"
+    },
+    "transactionId": {
+      "type": "string",
+      "example": "TRCVIC73089465966"
+    },
+    "customerId": {
+      "type": "string",
+      "example": "ZX48440946"
+    },
+    "accountId": {
+      "type": "string",
+      "example": "361005323"
+    },
+    "loan": {
+      "type": "array",
+      "items": {
+        "type": "object",
+        "properties": {
+          "offerId": {
             "type": "string",
-            "example": "202111170001371256908"
-        },
-        "transactionId": {
+            "example": "SAL90000204"
+          },
+          "productId": {
             "type": "string",
-            "example": "1231231321232"
-        },
-        "customerId": {
-            "type": "string",
-            "example": "1256907"
-        },
-        "accountId": {
-            "type": "string",
-            "example": "5948306019"
-        },
-        "loan": {
+            "example": "3MPC"
+          },
+          "amount": {
+            "type": "number",
+            "format": "float",
+            "example": 30000.0
+          },
+          "upfrontPayment": {
+            "type": "number",
+            "format": "float",
+            "example": 622.5
+          },
+          "interestRate": {
+            "type": "number",
+            "format": "float",
+            "example": 3.0
+          },
+          "interestFee": {
+            "type": "number",
+            "format": "float",
+            "example": 2700.0
+          },
+          "managementRate": {
+            "type": "number",
+            "format": "float",
+            "example": 1.0
+          },
+          "managementFee": {
+            "type": "number",
+            "format": "float",
+            "example": 300.0
+          },
+          "insuranceRate": {
+            "type": "number",
+            "format": "float",
+            "example": 1.0
+          },
+          "insuranceFee": {
+            "type": "number",
+            "format": "float",
+            "example": 300.0
+          },
+          "VATRate": {
+            "type": "number",
+            "format": "float",
+            "example": 7.5
+          },
+          "VATAmount": {
+            "type": "number",
+            "format": "float",
+            "example": 22.5
+          },
+          "recommendedRepaymentDates": {
             "type": "array",
             "items": {
-                "type": "object",
-                "properties": {
-                    "offerId": {
-                        "type": "string",
-                        "example": "14451"
-                    },
-                    "productId": {
-                        "type": "string",
-                        "example": "3MPC"
-                    },
-                    "amount": {
-                        "type": "number",
-                        "format": "float",
-                        "example": 10000.0
-                    },
-                    "dueDate": {
-                        "type": "string",
-                        "example": "2025-04-24 10:31:"
-                    },
-                    "upfrontPayment": {
-                        "type": "number",
-                        "format": "float",
-                        "example": 1000.0
-                    },
-                    "interestRate": {
-                        "type": "number",
-                        "format": "float",
-                        "example": 3.0
-                    },
-                    "interestFee": {
-                        "type": "number",
-                        "format": "float",
-                        "example": 3000.00
-                    },
-                    "ManagementRate": {
-                        "type": "number",
-                        "format": "float",
-                        "example": 1.0
-                    },
-                    "ManagementFee": {
-                        "type": "number",
-                        "format": "float",
-                        "example": 1.0
-                    },
-                    "InsuranceRate": {
-                        "type": "number",
-                        "format": "float",
-                        "example": 1.0
-                    },
-                    "InsuranceFee": {
-                        "type": "number",
-                        "format": "float",
-                        "example": 100.0
-                    },
-                    "VATRate": {
-                        "type": "number",
-                        "format": "float",
-                        "example": 7.5
-                    },
-                    "VATamount": {
-                        "type": "number",
-                        "format": "float",
-                        "example": 100.0
-                    },
-                    "installmentRepaymentDates": {
-                        "type": "array",
-                        "items": {
-                            "type": "string"
-                        },
-                        "example": [
-                            "2022-11-30"
-                        ]
-                    },
-                    "installmentAmount": {
-                        "type": "number",
-                        "format": "float",
-                        "example": 11000.0
-                    },
-                    "totalRepaymentAmount": {
-                        "type": "number",
-                        "format": "float",
-                        "example": 11000.0
-                    }
-                }
-            }
-        },
-        "resultCode": {
-            "type": "string",
-            "example": "00"
-        },
-        "resultDescription": {
-            "type": "string",
-            "example": "Successful"
+              "type": "string"
+            },
+            "example": [
+              "2025-10-12",
+              "2025-11-12",
+              "2025-12-12"
+            ]
+          },
+          "installmentAmount": {
+            "type": "number",
+            "format": "float",
+            "example": 10900.0
+          },
+          "repaymentAmount": {
+            "type": "number",
+            "format": "float",
+            "example": 32700.0
+          },
+          "totalRepaymentAmount": {
+            "type": "number",
+            "format": "float",
+            "example": 33322.5
+          }
         }
+      }
     },
-    "xml": {
-        "name": "SelectOffersResponse"
+    "outstandingDebtAmount": {
+      "type": "number",
+      "format": "float",
+      "example": 0
+    },
+    "resultCode": {
+      "type": "string",
+      "example": "00"
+    },
+    "resultDescription": {
+      "type": "string",
+      "example": "Successful"
     }
-}
+  },
+  "xml": {
+    "name": "SelectOffersResponse"
+  }
+}

app/utils/mail.py

@@ -0,0 +1,40 @@
+from flask_mail import Message
+from flask import current_app
+from app.extensions import mail
+import pandas as pd
+from io import BytesIO
+
+def get_report_data():
+    """
+    Fetch and return loan summary data.
+    """
+    return [
+        {"Type": "Disbursement", "Count": 45},
+        {"Type": "Repayment", "Count": 32},
+    ]
+def send_report_email(report_data: list, recipients: list):
+    """
+    Sends an HTML + Excel report to the given email recipients.
+    """
+    df = pd.DataFrame(report_data)
+    output = BytesIO()
+    df.to_excel(output, index=False)
+    output.seek(0)
+
+    html_table = df.to_html(index=False, border=1)
+
+    msg = Message(
+        subject="Loan Report Summary",
+        recipients=recipients,
+        html=f"<h3>Loan Report Summary</h3>{html_table}",
+    )
+    msg.attach(
+        "loan_report.xlsx",
+        "application/vnd.openxmlformats-officedocument.spreadsheetml.sheet",
+        output.read()
+    )
+
+    with current_app.app_context():
+        mail.send(msg)
+
+    return "Report email sent"

migrations/versions/05b5494ad406_.py

@@ -0,0 +1,31 @@
+"""empty message
+
+Revision ID: 05b5494ad406
+Revises: 33e09efd85e3
+Create Date: 2025-07-06 09:28:26.264927
+
+"""
+
+from alembic import op
+import sqlalchemy as sa
+
+
+# revision identifiers, used by Alembic.
+revision = "05b5494ad406"
+down_revision = "33e09efd85e3"
+branch_labels = None
+depends_on = None
+
+
+def upgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    op.add_column("loans", sa.Column("balance", sa.Float(), nullable=True))
+
+
+# ### end Alembic commands ###
+
+
+def downgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    op.drop_column("loans", "balance")
+    # ### end Alembic commands ###

migrations/versions/1340e7e578b9_migration_on_thu_apr_10_21_50_01_utc_.py

@@ -1,32 +0,0 @@
-"""Migration on Thu Apr 10 21:50:01 UTC 2025
-
-Revision ID: 1340e7e578b9
-Revises: b8f6fd76ead8
-Create Date: 2025-04-10 21:50:32.113149
-
-"""
-from alembic import op
-import sqlalchemy as sa
-
-
-# revision identifiers, used by Alembic.
-revision = '1340e7e578b9'
-down_revision = 'b8f6fd76ead8'
-branch_labels = None
-depends_on = None
-
-
-def upgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    with op.batch_alter_table('transactions', schema=None) as batch_op:
-        batch_op.add_column(sa.Column('ref_model', sa.String(length=50), nullable=True))
-
-    # ### end Alembic commands ###
-
-
-def downgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    with op.batch_alter_table('transactions', schema=None) as batch_op:
-        batch_op.drop_column('ref_model')
-
-    # ### end Alembic commands ###

migrations/versions/173ea45db189_migration_on_sat_may_10_09_54_34_utc_.py

@@ -1,32 +0,0 @@
-"""Migration on Sat May 10 09:54:34 UTC 2025
-
-Revision ID: 173ea45db189
-Revises: 3105abd795d4
-Create Date: 2025-05-10 09:54:39.380499
-
-"""
-from alembic import op
-import sqlalchemy as sa
-
-
-# revision identifiers, used by Alembic.
-revision = '173ea45db189'
-down_revision = '3105abd795d4'
-branch_labels = None
-depends_on = None
-
-
-def upgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    with op.batch_alter_table('transaction_offers', schema=None) as batch_op:
-        batch_op.add_column(sa.Column('original_transaction', sa.String(length=50), nullable=True))
-
-    # ### end Alembic commands ###
-
-
-def downgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    with op.batch_alter_table('transaction_offers', schema=None) as batch_op:
-        batch_op.drop_column('original_transaction')
-
-    # ### end Alembic commands ###

migrations/versions/1b2339f43824_migration_on_thu_apr_24_17_42_25_utc_.py

@@ -1,53 +0,0 @@
-"""Migration on Thu Apr 24 17:42:25 UTC 2025
-
-Revision ID: 1b2339f43824
-Revises: de9ad96ba34e
-Create Date: 2025-04-24 17:43:09.589626
-
-"""
-from alembic import op
-import sqlalchemy as sa
-
-
-# revision identifiers, used by Alembic.
-revision = '1b2339f43824'
-down_revision = 'de9ad96ba34e'
-branch_labels = None
-depends_on = None
-
-
-def upgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    op.create_table('rac_checks',
-    sa.Column('id', sa.String(), nullable=False),
-    sa.Column('transaction_id', sa.String(length=50), nullable=False),
-    sa.Column('customer_id', sa.String(), nullable=False),
-    sa.Column('account_id', sa.String(), nullable=False),
-    sa.Column('rac_response', sa.JSON(), nullable=False),
-    sa.Column('created_at', sa.DateTime(), nullable=True),
-    sa.Column('updated_at', sa.DateTime(), nullable=True),
-    sa.PrimaryKeyConstraint('id')
-    )
-    with op.batch_alter_table('loan_charges', schema=None) as batch_op:
-        batch_op.alter_column('amount',
-               existing_type=sa.NUMERIC(precision=10, scale=2),
-               type_=sa.Float(),
-               existing_nullable=True)
-    # ### end Alembic commands ###
-
-
-def downgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    with op.batch_alter_table('loans', schema=None) as batch_op:
-        batch_op.drop_column('installment_amount')
-        batch_op.drop_column('repayment_amount')
-        batch_op.drop_column('upfront_fee')
-
-    with op.batch_alter_table('loan_charges', schema=None) as batch_op:
-        batch_op.alter_column('amount',
-               existing_type=sa.Float(),
-               type_=sa.NUMERIC(precision=10, scale=2),
-               existing_nullable=True)
-
-    op.drop_table('rac_checks')
-    # ### end Alembic commands ###

migrations/versions/287ecb02d3d7_migration_on_wed_apr_16_18_35_18_utc_.py

@@ -1,32 +0,0 @@
-"""Migration on Wed Apr 16 18:35:18 UTC 2025
-
-Revision ID: 287ecb02d3d7
-Revises: a4847b997191
-Create Date: 2025-04-16 18:36:04.632791
-
-"""
-from alembic import op
-import sqlalchemy as sa
-
-
-# revision identifiers, used by Alembic.
-revision = '287ecb02d3d7'
-down_revision = 'a4847b997191'
-branch_labels = None
-depends_on = None
-
-
-def upgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    with op.batch_alter_table('loan_charges', schema=None) as batch_op:
-        batch_op.drop_column('transaction_id')
-
-    # ### end Alembic commands ###
-
-
-def downgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    with op.batch_alter_table('loan_charges', schema=None) as batch_op:
-        batch_op.add_column(sa.Column('transaction_id', sa.VARCHAR(length=50), autoincrement=False, nullable=True))
-
-    # ### end Alembic commands ###

migrations/versions/2a45dd99c9cb_migration_on_fri_apr_25_15_01_00_utc_.py

@@ -1,42 +0,0 @@
-"""Migration on Fri Apr 25 15:01:00 UTC 2025
-
-Revision ID: 2a45dd99c9cb
-Revises: 2cf0c177ca02
-Create Date: 2025-04-25 15:01:51.129681
-
-"""
-from alembic import op
-import sqlalchemy as sa
-
-
-# revision identifiers, used by Alembic.
-revision = '2a45dd99c9cb'
-down_revision = '2cf0c177ca02'
-branch_labels = None
-depends_on = None
-
-
-def upgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    with op.batch_alter_table('loan_repayment_schedules', schema=None) as batch_op:
-        batch_op.add_column(sa.Column('product_id', sa.String(length=20), nullable=True))
-        batch_op.add_column(sa.Column('installment_amount', sa.Float(), nullable=True))
-        batch_op.add_column(sa.Column('total_repayment_amount', sa.Float(), nullable=True))
-        batch_op.drop_column('principal_amount')
-        batch_op.drop_column('interest_amount')
-        batch_op.drop_column('total_installment')
-
-    # ### end Alembic commands ###
-
-
-def downgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    with op.batch_alter_table('loan_repayment_schedules', schema=None) as batch_op:
-        batch_op.add_column(sa.Column('total_installment', sa.DOUBLE_PRECISION(precision=53), autoincrement=False, nullable=True))
-        batch_op.add_column(sa.Column('interest_amount', sa.DOUBLE_PRECISION(precision=53), autoincrement=False, nullable=True))
-        batch_op.add_column(sa.Column('principal_amount', sa.DOUBLE_PRECISION(precision=53), autoincrement=False, nullable=True))
-        batch_op.drop_column('total_repayment_amount')
-        batch_op.drop_column('installment_amount')
-        batch_op.drop_column('product_id')
-
-    # ### end Alembic commands ###

migrations/versions/2cf0c177ca02_migration_on_fri_apr_25_14_02_01_utc_.py

@@ -1,41 +0,0 @@
-"""Migration on Fri Apr 25 14:02:01 UTC 2025
-
-Revision ID: 2cf0c177ca02
-Revises: 1b2339f43824
-Create Date: 2025-04-25 14:02:42.244146
-
-"""
-from alembic import op
-import sqlalchemy as sa
-
-
-# revision identifiers, used by Alembic.
-revision = '2cf0c177ca02'
-down_revision = '1b2339f43824'
-branch_labels = None
-depends_on = None
-
-
-def upgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    op.create_table('loan_repayment_schedules',
-    sa.Column('id', sa.Integer(), autoincrement=True, nullable=False),
-    sa.Column('loan_id', sa.Integer(), nullable=False),
-    sa.Column('installment_number', sa.Integer(), nullable=False),
-    sa.Column('due_date', sa.DateTime(), nullable=False),
-    sa.Column('principal_amount', sa.Float(), nullable=True),
-    sa.Column('interest_amount', sa.Float(), nullable=True),
-    sa.Column('total_installment', sa.Float(), nullable=True),
-    sa.Column('paid', sa.Boolean(), nullable=True),
-    sa.Column('paid_at', sa.DateTime(), nullable=True),
-    sa.Column('created_at', sa.DateTime(), nullable=True),
-    sa.Column('updated_at', sa.DateTime(), nullable=True),
-    sa.PrimaryKeyConstraint('id')
-    )
-    # ### end Alembic commands ###
-
-
-def downgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    op.drop_table('loan_repayment_schedules')
-    # ### end Alembic commands ###

migrations/versions/2eee4157505f_.py

@@ -1,250 +0,0 @@
-"""empty message
-
-Revision ID: 2eee4157505f
-Revises: 565bc3d0ba6e
-Create Date: 2025-05-16 13:24:41.914400
-
-"""
-from alembic import op
-import sqlalchemy as sa
-from sqlalchemy.dialects import postgresql
-
-# revision identifiers, used by Alembic.
-revision = '2eee4157505f'
-down_revision = '565bc3d0ba6e'
-branch_labels = None
-depends_on = None
-
-
-def upgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    with op.batch_alter_table('accounts', schema=None) as batch_op:
-        batch_op.alter_column('created_at',
-               existing_type=postgresql.TIMESTAMP(),
-               type_=sa.DateTime(timezone=True),
-               existing_nullable=True)
-        batch_op.alter_column('updated_at',
-               existing_type=postgresql.TIMESTAMP(),
-               type_=sa.DateTime(timezone=True),
-               existing_nullable=True)
-
-    with op.batch_alter_table('charges', schema=None) as batch_op:
-        batch_op.alter_column('created_at',
-               existing_type=postgresql.TIMESTAMP(),
-               type_=sa.DateTime(timezone=True),
-               existing_nullable=True)
-        batch_op.alter_column('updated_at',
-               existing_type=postgresql.TIMESTAMP(),
-               type_=sa.DateTime(timezone=True),
-               existing_nullable=True)
-
-    with op.batch_alter_table('customers', schema=None) as batch_op:
-        batch_op.alter_column('created_at',
-               existing_type=postgresql.TIMESTAMP(),
-               type_=sa.DateTime(timezone=True),
-               existing_nullable=True)
-        batch_op.alter_column('updated_at',
-               existing_type=postgresql.TIMESTAMP(),
-               type_=sa.DateTime(timezone=True),
-               existing_nullable=True)
-
-    with op.batch_alter_table('loan_charges', schema=None) as batch_op:
-        batch_op.alter_column('created_at',
-               existing_type=postgresql.TIMESTAMP(),
-               type_=sa.DateTime(timezone=True),
-               existing_nullable=True)
-        batch_op.alter_column('updated_at',
-               existing_type=postgresql.TIMESTAMP(),
-               type_=sa.DateTime(timezone=True),
-               existing_nullable=True)
-
-    with op.batch_alter_table('loan_repayment_schedules', schema=None) as batch_op:
-        batch_op.alter_column('created_at',
-               existing_type=postgresql.TIMESTAMP(),
-               type_=sa.DateTime(timezone=True),
-               existing_nullable=True)
-        batch_op.alter_column('updated_at',
-               existing_type=postgresql.TIMESTAMP(),
-               type_=sa.DateTime(timezone=True),
-               existing_nullable=True)
-
-    with op.batch_alter_table('loans', schema=None) as batch_op:
-        batch_op.alter_column('created_at',
-               existing_type=postgresql.TIMESTAMP(),
-               type_=sa.DateTime(timezone=True),
-               existing_nullable=True)
-        batch_op.alter_column('updated_at',
-               existing_type=postgresql.TIMESTAMP(),
-               type_=sa.DateTime(timezone=True),
-               existing_nullable=True)
-
-    with op.batch_alter_table('offers', schema=None) as batch_op:
-        batch_op.alter_column('created_at',
-               existing_type=postgresql.TIMESTAMP(),
-               type_=sa.DateTime(timezone=True),
-               existing_nullable=True)
-        batch_op.alter_column('updated_at',
-               existing_type=postgresql.TIMESTAMP(),
-               type_=sa.DateTime(timezone=True),
-               existing_nullable=True)
-
-    with op.batch_alter_table('rac_checks', schema=None) as batch_op:
-        batch_op.alter_column('created_at',
-               existing_type=postgresql.TIMESTAMP(),
-               type_=sa.DateTime(timezone=True),
-               existing_nullable=True)
-        batch_op.alter_column('updated_at',
-               existing_type=postgresql.TIMESTAMP(),
-               type_=sa.DateTime(timezone=True),
-               existing_nullable=True)
-
-    with op.batch_alter_table('repayments', schema=None) as batch_op:
-        batch_op.alter_column('created_at',
-               existing_type=postgresql.TIMESTAMP(),
-               type_=sa.DateTime(timezone=True),
-               existing_nullable=True)
-        batch_op.alter_column('updated_at',
-               existing_type=postgresql.TIMESTAMP(),
-               type_=sa.DateTime(timezone=True),
-               existing_nullable=True)
-
-    with op.batch_alter_table('transaction_offers', schema=None) as batch_op:
-        batch_op.alter_column('created_at',
-               existing_type=postgresql.TIMESTAMP(),
-               type_=sa.DateTime(timezone=True),
-               existing_nullable=True)
-        batch_op.alter_column('updated_at',
-               existing_type=postgresql.TIMESTAMP(),
-               type_=sa.DateTime(timezone=True),
-               existing_nullable=True)
-
-    with op.batch_alter_table('transactions', schema=None) as batch_op:
-        batch_op.alter_column('created_at',
-               existing_type=postgresql.TIMESTAMP(),
-               type_=sa.DateTime(timezone=True),
-               existing_nullable=True,
-               existing_server_default=sa.text('now()'))
-        batch_op.alter_column('updated_at',
-               existing_type=postgresql.TIMESTAMP(),
-               type_=sa.DateTime(timezone=True),
-               existing_nullable=True,
-               existing_server_default=sa.text('now()'))
-
-    # ### end Alembic commands ###
-
-
-def downgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    with op.batch_alter_table('transactions', schema=None) as batch_op:
-        batch_op.alter_column('updated_at',
-               existing_type=sa.DateTime(timezone=True),
-               type_=postgresql.TIMESTAMP(),
-               existing_nullable=True,
-               existing_server_default=sa.text('now()'))
-        batch_op.alter_column('created_at',
-               existing_type=sa.DateTime(timezone=True),
-               type_=postgresql.TIMESTAMP(),
-               existing_nullable=True,
-               existing_server_default=sa.text('now()'))
-
-    with op.batch_alter_table('transaction_offers', schema=None) as batch_op:
-        batch_op.alter_column('updated_at',
-               existing_type=sa.DateTime(timezone=True),
-               type_=postgresql.TIMESTAMP(),
-               existing_nullable=True)
-        batch_op.alter_column('created_at',
-               existing_type=sa.DateTime(timezone=True),
-               type_=postgresql.TIMESTAMP(),
-               existing_nullable=True)
-
-    with op.batch_alter_table('repayments', schema=None) as batch_op:
-        batch_op.alter_column('updated_at',
-               existing_type=sa.DateTime(timezone=True),
-               type_=postgresql.TIMESTAMP(),
-               existing_nullable=True)
-        batch_op.alter_column('created_at',
-               existing_type=sa.DateTime(timezone=True),
-               type_=postgresql.TIMESTAMP(),
-               existing_nullable=True)
-
-    with op.batch_alter_table('rac_checks', schema=None) as batch_op:
-        batch_op.alter_column('updated_at',
-               existing_type=sa.DateTime(timezone=True),
-               type_=postgresql.TIMESTAMP(),
-               existing_nullable=True)
-        batch_op.alter_column('created_at',
-               existing_type=sa.DateTime(timezone=True),
-               type_=postgresql.TIMESTAMP(),
-               existing_nullable=True)
-
-    with op.batch_alter_table('offers', schema=None) as batch_op:
-        batch_op.alter_column('updated_at',
-               existing_type=sa.DateTime(timezone=True),
-               type_=postgresql.TIMESTAMP(),
-               existing_nullable=True)
-        batch_op.alter_column('created_at',
-               existing_type=sa.DateTime(timezone=True),
-               type_=postgresql.TIMESTAMP(),
-               existing_nullable=True)
-
-    with op.batch_alter_table('loans', schema=None) as batch_op:
-        batch_op.alter_column('updated_at',
-               existing_type=sa.DateTime(timezone=True),
-               type_=postgresql.TIMESTAMP(),
-               existing_nullable=True)
-        batch_op.alter_column('created_at',
-               existing_type=sa.DateTime(timezone=True),
-               type_=postgresql.TIMESTAMP(),
-               existing_nullable=True)
-
-    with op.batch_alter_table('loan_repayment_schedules', schema=None) as batch_op:
-        batch_op.alter_column('updated_at',
-               existing_type=sa.DateTime(timezone=True),
-               type_=postgresql.TIMESTAMP(),
-               existing_nullable=True)
-        batch_op.alter_column('created_at',
-               existing_type=sa.DateTime(timezone=True),
-               type_=postgresql.TIMESTAMP(),
-               existing_nullable=True)
-
-    with op.batch_alter_table('loan_charges', schema=None) as batch_op:
-        batch_op.alter_column('updated_at',
-               existing_type=sa.DateTime(timezone=True),
-               type_=postgresql.TIMESTAMP(),
-               existing_nullable=True)
-        batch_op.alter_column('created_at',
-               existing_type=sa.DateTime(timezone=True),
-               type_=postgresql.TIMESTAMP(),
-               existing_nullable=True)
-
-    with op.batch_alter_table('customers', schema=None) as batch_op:
-        batch_op.alter_column('updated_at',
-               existing_type=sa.DateTime(timezone=True),
-               type_=postgresql.TIMESTAMP(),
-               existing_nullable=True)
-        batch_op.alter_column('created_at',
-               existing_type=sa.DateTime(timezone=True),
-               type_=postgresql.TIMESTAMP(),
-               existing_nullable=True)
-
-    with op.batch_alter_table('charges', schema=None) as batch_op:
-        batch_op.alter_column('updated_at',
-               existing_type=sa.DateTime(timezone=True),
-               type_=postgresql.TIMESTAMP(),
-               existing_nullable=True)
-        batch_op.alter_column('created_at',
-               existing_type=sa.DateTime(timezone=True),
-               type_=postgresql.TIMESTAMP(),
-               existing_nullable=True)
-
-    with op.batch_alter_table('accounts', schema=None) as batch_op:
-        batch_op.alter_column('updated_at',
-               existing_type=sa.DateTime(timezone=True),
-               type_=postgresql.TIMESTAMP(),
-               existing_nullable=True)
-        batch_op.alter_column('created_at',
-               existing_type=sa.DateTime(timezone=True),
-               type_=postgresql.TIMESTAMP(),
-               existing_nullable=True)
-
-    # ### end Alembic commands ###

migrations/versions/30b45df851fa_.py

@@ -0,0 +1,45 @@
+"""empty message
+
+Revision ID: 30b45df851fa
+Revises: d59bfb9ead82
+Create Date: 2025-08-26 13:48:27.458593
+
+"""
+from alembic import op
+import sqlalchemy as sa
+
+
+# revision identifiers, used by Alembic.
+revision = '30b45df851fa'
+down_revision = 'd59bfb9ead82'
+branch_labels = None
+depends_on = None
+
+
+def upgrade():
+    # ### commands auto generated by Alembic - please adjust! ### 
+    op.add_column(
+        'loan_repayment_schedules',
+        sa.Column('paid_status', sa.String(length=20), nullable=True),
+    )
+     
+    op.add_column(
+        'loan_repayment_schedules',
+        sa.Column('repay_description', sa.String(length=255), nullable=True),
+    )
+
+     
+    op.add_column(
+        'loan_repayment_schedules',
+        sa.Column('partial_balance', sa.Float(), nullable=True),
+    )
+    # ### end Alembic commands ###
+
+
+def downgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    op.drop_column('loan_repayment_schedules', 'partial_balance')
+    op.drop_column('loan_repayment_schedules', 'repay_description')
+    op.drop_column('loan_repayment_schedules', 'paid_status')
+
+    # ### end Alembic commands ###

migrations/versions/3105abd795d4_.py

@@ -1,52 +0,0 @@
-"""empty message
-
-Revision ID: 3105abd795d4
-Revises: 95a52be203c4
-Create Date: 2025-05-07 11:44:18.483694
-
-"""
-from alembic import op
-import sqlalchemy as sa
-
-
-# revision identifiers, used by Alembic.
-revision = '3105abd795d4'
-down_revision = '95a52be203c4'
-branch_labels = None
-depends_on = None
-
-
-def upgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    with op.batch_alter_table('rac_checks', schema=None) as batch_op:
-        # Step 1: Drop the default value
-        batch_op.alter_column('id',
-            server_default=None,
-            existing_type=sa.VARCHAR(),
-            existing_nullable=False
-        )
-
-    with op.batch_alter_table('rac_checks', schema=None) as batch_op:
-        # Step 2: Change the column type
-        batch_op.alter_column('id',
-            existing_type=sa.VARCHAR(),
-            type_=sa.Integer(),
-            existing_nullable=False,
-            autoincrement=True,
-            postgresql_using='id::integer'
-        )
-
-    # ### end Alembic commands ###
-
-
-def downgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    with op.batch_alter_table('rac_checks', schema=None) as batch_op:
-        batch_op.alter_column('id',
-               existing_type=sa.Integer(),
-               type_=sa.VARCHAR(),
-               existing_nullable=False,
-               autoincrement=True,
-               existing_server_default=sa.text("''::character varying"))
-
-    # ### end Alembic commands ###

migrations/versions/33e09efd85e3_.py

@@ -0,0 +1,280 @@
+"""empty message
+
+Revision ID: 33e09efd85e3
+Revises: 
+Create Date: 2025-07-03 14:07:14.424548
+
+"""
+from alembic import op
+import sqlalchemy as sa
+from sqlalchemy import literal_column
+from sqlalchemy import text
+
+
+# revision identifiers, used by Alembic.
+revision = '33e09efd85e3'
+down_revision = None
+branch_labels = None
+depends_on = None
+sequences_and_triggers = [
+    ("transactions", "transactions_seq", "trg_transactions_id"),
+    ("transaction_offers", "transaction_offers_seq", "trg_transaction_offers_id"),
+    ("salaries", "salaries_seq", "trg_salaries_id"),
+    ("repayments_data", "repayments_data_seq", "trg_repayments_data_id"),
+    ("repayments", "repayments_seq", "trg_repayments_id"),
+    ("rac_checks", "rac_checks_seq", "trg_rac_checks_id"),
+    ("loans", "loans_seq", "trg_loans_id"),
+    (
+        "loan_repayment_schedules",
+        "loan_repayment_schedules_seq",
+        "trg_loan_repayment_schedules_id",
+    ),
+    ("loan_charges", "loan_charges_seq", "trg_loan_charges_id"),
+    ("charges", "charges_seq", "trg_charges_id"),
+]
+
+
+def upgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    op.create_table('accounts',
+    sa.Column('id', sa.String(length=50), nullable=False),
+    sa.Column('customer_id', sa.String(length=50), nullable=False),
+    sa.Column('account_type', sa.String(length=50), nullable=True),
+    sa.Column('status', sa.String(length=20), nullable=True),
+    sa.Column('lien_amount', sa.Float(), nullable=True),
+    sa.Column('created_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
+    sa.Column('updated_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
+    sa.PrimaryKeyConstraint('id')
+    )
+    op.create_table('charges',
+    sa.Column('id', sa.Integer(), autoincrement=True, nullable=False),
+    sa.Column('offer_id', sa.String(length=50), nullable=False),
+    sa.Column('code', sa.String(length=50), nullable=False),
+    sa.Column('percent', sa.Float(), nullable=True),
+    sa.Column('description', sa.Text(), nullable=True),
+    sa.Column('due', sa.Integer(), nullable=False),
+    sa.Column('created_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
+    sa.Column('updated_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
+    sa.PrimaryKeyConstraint('id')
+    )
+    op.create_table('customers',
+    sa.Column('id', sa.String(length=50), nullable=False),
+    sa.Column('msisdn', sa.String(length=20), nullable=False),
+    sa.Column('country_code', sa.String(length=3), nullable=False),
+    sa.Column('created_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
+    sa.Column('updated_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
+    sa.PrimaryKeyConstraint('id'),
+    sa.UniqueConstraint('msisdn')
+    )
+    op.create_table('loan_charges',
+    sa.Column('id', sa.Integer(), autoincrement=True, nullable=False),
+    sa.Column('loan_id', sa.Integer(), nullable=False),
+    sa.Column('transaction_id', sa.String(length=50), nullable=True),
+    sa.Column('code', sa.String(length=50), nullable=False),
+    sa.Column('amount', sa.Float(), nullable=True),
+    sa.Column('percent', sa.Float(), nullable=True),
+    sa.Column('description', sa.Text(), nullable=True),
+    sa.Column('due', sa.Integer(), nullable=False),
+    sa.Column('due_date', sa.DateTime(), nullable=True),
+    sa.Column('created_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
+    sa.Column('updated_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
+    sa.PrimaryKeyConstraint('id')
+    )
+    op.create_table('loan_repayment_schedules',
+    sa.Column('id', sa.Integer(), autoincrement=True, nullable=False),
+    sa.Column('loan_id', sa.Integer(), nullable=False),
+    sa.Column('transaction_id', sa.String(length=50), nullable=True),
+    sa.Column('product_id', sa.String(length=20), nullable=True),
+    sa.Column('installment_number', sa.Integer(), nullable=False),
+    sa.Column('due_date', sa.DateTime(), nullable=False),
+    sa.Column('installment_amount', sa.Float(), nullable=True),
+    sa.Column('total_repayment_amount', sa.Float(), nullable=True),
+    sa.Column('paid', sa.Boolean(), nullable=True),
+    sa.Column('paid_at', sa.DateTime(), nullable=True),
+    sa.Column('created_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
+    sa.Column('updated_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
+    sa.PrimaryKeyConstraint('id')
+    )
+    op.create_table('loans',
+    sa.Column('id', sa.Integer(), autoincrement=True, nullable=False),
+    sa.Column('customer_id', sa.String(length=50), nullable=False),
+    sa.Column('transaction_id', sa.String(length=50), nullable=True),
+    sa.Column('original_transaction', sa.String(length=50), nullable=True),
+    sa.Column('account_id', sa.String(length=50), nullable=False),
+    sa.Column('offer_id', sa.String(length=20), nullable=False),
+    sa.Column('product_id', sa.String(length=20), nullable=True),
+    sa.Column('collection_type', sa.String(length=20), nullable=True),
+    sa.Column('current_loan_amount', sa.Float(), nullable=True),
+    sa.Column('initial_loan_amount', sa.Float(), nullable=False),
+    sa.Column('default_penalty_fee', sa.Float(), nullable=True),
+    sa.Column('continuous_fee', sa.Float(), nullable=True),
+    sa.Column('upfront_fee', sa.Float(), nullable=True),
+    sa.Column('repayment_amount', sa.Float(), nullable=True),
+    sa.Column('installment_amount', sa.Float(), nullable=True),
+    sa.Column('status', sa.String(length=20), nullable=True),
+    sa.Column('tenor', sa.Integer(), nullable=True),
+    sa.Column('due_date', sa.DateTime(), nullable=True),
+    sa.Column('created_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
+    sa.Column('updated_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
+    sa.Column('eligible_amount', sa.Float(), nullable=True),
+    sa.Column('disburse_date', sa.DateTime(), nullable=True),
+    sa.Column('disburse_verify', sa.DateTime(), nullable=True),
+    sa.Column('reference', sa.String(length=50), nullable=True),
+    sa.Column('disburse_result', sa.String(length=10), nullable=True),
+    sa.Column('disburse_description', sa.String(length=100), nullable=True),
+    sa.Column('verify_result', sa.String(length=10), nullable=True),
+    sa.Column('verify_description', sa.String(length=100), nullable=True),
+    sa.PrimaryKeyConstraint('id')
+    )
+    op.create_table('offers',
+    sa.Column('id', sa.String(length=50), nullable=False),
+    sa.Column('product_id', sa.String(length=50), nullable=False),
+    sa.Column('min_amount', sa.Float(), nullable=False),
+    sa.Column('max_amount', sa.Float(), nullable=False),
+    sa.Column('tenor', sa.Integer(), nullable=False),
+    sa.Column('schedule', sa.Integer(), nullable=True),
+    sa.Column('interest_rate', sa.Float(), nullable=True),
+    sa.Column('management_rate', sa.Float(), nullable=True),
+    sa.Column('insurance_rate', sa.Float(), nullable=True),
+    sa.Column('vat_rate', sa.Float(), nullable=True),
+    sa.Column('list_order', sa.Integer(), nullable=True),
+    sa.Column('max_daily_loans', sa.Integer(), nullable=True),
+    sa.Column('max_active_loans', sa.Integer(), nullable=True),
+    sa.Column('max_life_loans', sa.Integer(), nullable=True),
+    sa.Column('created_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
+    sa.Column('updated_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
+    sa.PrimaryKeyConstraint('id')
+    )
+    op.create_table('rac_checks',
+    sa.Column('id', sa.Integer(), autoincrement=True, nullable=False),
+    sa.Column('transaction_id', sa.String(length=50), nullable=False),
+    sa.Column('customer_id', sa.String(length=50), nullable=False),
+    sa.Column('account_id', sa.String(length=50), nullable=False),
+    sa.Column('rac_response', sa.Text(), nullable=False),
+    sa.Column('created_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
+    sa.Column('updated_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
+    sa.PrimaryKeyConstraint('id')
+    )
+    op.create_table('repayments',
+    sa.Column('id', sa.Integer(), autoincrement=True, nullable=False),
+    sa.Column('loan_id', sa.String(length=50), nullable=False),
+    sa.Column('customer_id', sa.String(length=50), nullable=False),
+    sa.Column('product_id', sa.String(length=20), nullable=True),
+    sa.Column('created_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
+    sa.Column('updated_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
+    sa.Column('transaction_id', sa.String(length=50), nullable=True),
+    sa.Column('repay_date', sa.DateTime(), nullable=True),
+    sa.Column('repay_result', sa.String(length=10), nullable=True),
+    sa.Column('repay_description', sa.String(length=100), nullable=True),
+    sa.Column('verify_date', sa.DateTime(), nullable=True),
+    sa.Column('verify_result', sa.String(length=10), nullable=True),
+    sa.Column('verify_description', sa.String(length=100), nullable=True),
+    sa.Column('initiated_by', sa.String(length=50), nullable=True),
+    sa.Column('salary_amount', sa.Float(), nullable=True),
+    sa.PrimaryKeyConstraint('id')
+    )
+    op.create_table('repayments_data',
+    sa.Column('id', sa.Integer(), autoincrement=True, nullable=False),
+    sa.Column('transaction_id', sa.String(length=50), nullable=False),
+    sa.Column('fbn_transaction_id', sa.String(length=50), nullable=True),
+    sa.Column('customer_id', sa.String(length=50), nullable=True),
+    sa.Column('account_id', sa.String(length=50), nullable=True),
+    sa.Column('repayment_amount', sa.Float(), nullable=True),
+    sa.Column('amount_collected', sa.Float(), nullable=True),
+    sa.Column('added_date', sa.DateTime(timezone=True), nullable=False),
+    sa.Column('response_code', sa.String(length=10), nullable=True),
+    sa.Column('response_descr', sa.String(length=255), nullable=True),
+    sa.Column('balance', sa.Float(), nullable=True),
+    sa.PrimaryKeyConstraint('id')
+    )
+    op.create_table('salaries',
+    sa.Column('id', sa.Integer(), autoincrement=True, nullable=False),
+    sa.Column('customer_id', sa.String(length=50), nullable=False),
+    sa.Column('account_id', sa.String(length=50), nullable=True),
+    sa.Column('status', sa.String(length=20), nullable=True),
+    sa.Column('amount', sa.Float(), nullable=False),
+    sa.Column('salary_date', sa.DateTime(), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
+    sa.Column('created_at', sa.DateTime(), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
+    sa.Column('updated_at', sa.DateTime(), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
+    sa.PrimaryKeyConstraint('id')
+    )
+    op.create_table('transaction_offers',
+    sa.Column('id', sa.Integer(), autoincrement=True, nullable=False),
+    sa.Column('customer_id', sa.String(length=50), nullable=False),
+    sa.Column('transaction_id', sa.String(length=50), nullable=False),
+    sa.Column('original_transaction', sa.String(length=50), nullable=True),
+    sa.Column('offer_id', sa.String(length=20), nullable=False),
+    sa.Column('product_id', sa.String(length=20), nullable=True),
+    sa.Column('min_amount', sa.Float(), nullable=False),
+    sa.Column('max_amount', sa.Float(), nullable=False),
+    sa.Column('eligible_amount', sa.Float(), nullable=True),
+    sa.Column('tenor', sa.Integer(), nullable=True),
+    sa.Column('created_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
+    sa.Column('updated_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
+    sa.PrimaryKeyConstraint('id')
+    )
+    op.create_table('transactions',
+    sa.Column('id', sa.Integer(), autoincrement=True, nullable=False),
+    sa.Column('transaction_id', sa.String(length=50), nullable=False),
+    sa.Column('account_id', sa.String(length=50), nullable=True),
+    sa.Column('customer_id', sa.String(length=50), nullable=True),
+    sa.Column('type', sa.String(length=50), nullable=False),
+    sa.Column('channel', sa.String(length=50), nullable=False),
+    sa.Column('phone_number', sa.String(length=50), nullable=True),
+    sa.Column('created_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
+    sa.Column('updated_at', sa.DateTime(timezone=True), server_default=sa.text('CURRENT_TIMESTAMP'), nullable=True),
+    sa.PrimaryKeyConstraint('id')
+    )
+
+    for table, seq, trg in sequences_and_triggers:
+        op.execute(
+            text(
+                f"""
+                BEGIN
+                    EXECUTE IMMEDIATE 'CREATE SEQUENCE {seq} START WITH 1 INCREMENT BY 1 NOCACHE NOCYCLE';
+                EXCEPTION
+                    WHEN OTHERS THEN
+                        IF SQLCODE != -955 THEN RAISE; END IF;
+                END;
+                """
+            )
+        )
+
+        op.execute(
+            text(
+                f"""
+                CREATE OR REPLACE TRIGGER {trg}
+                BEFORE INSERT ON {table}
+                FOR EACH ROW
+                BEGIN
+                    IF ||':'||'NEW.id IS NULL THEN
+                        SELECT {seq}.NEXTVAL INTO '||':'||'NEW.id FROM dual;
+                    END IF;
+                END;
+                """
+            )
+        )
+
+
+
+
+def downgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    op.drop_table('transactions')
+    op.drop_table('transaction_offers')
+    op.drop_table('salaries')
+    op.drop_table('repayments_data')
+    op.drop_table('repayments')
+    op.drop_table('rac_checks')
+    op.drop_table('offers')
+    op.drop_table('loans')
+    op.drop_table('loan_repayment_schedules')
+    op.drop_table('loan_charges')
+    op.drop_table('customers')
+    op.drop_table('charges')
+    op.drop_table('accounts')
+    # ### end Alembic commands ###
+
+    for table, seq, trg in sequences_and_triggers:
+        op.execute(text(f"DROP TRIGGER {trg}"))
+        op.execute(text(f"DROP SEQUENCE {seq}"))

migrations/versions/38acee611d55_migration_for_mloan_table.py

@@ -1,32 +0,0 @@
-"""Migration for mloan table
-
-Revision ID: 38acee611d55
-Revises: f1e83a993034
-Create Date: 2025-04-30 09:55:30.552838
-
-"""
-from alembic import op
-import sqlalchemy as sa
-
-
-# revision identifiers, used by Alembic.
-revision = '38acee611d55'
-down_revision = 'f1e83a993034'
-branch_labels = None
-depends_on = None
-
-
-def upgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    with op.batch_alter_table('loans', schema=None) as batch_op:
-        batch_op.add_column(sa.Column('tenor', sa.Integer(), nullable=True))
-
-    # ### end Alembic commands ###
-
-
-def downgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    with op.batch_alter_table('loans', schema=None) as batch_op:
-        batch_op.drop_column('tenor')
-
-    # ### end Alembic commands ###

migrations/versions/565bc3d0ba6e_migration_on_sat_may_10_12_54_52_utc_.py

@@ -1,34 +0,0 @@
-"""Migration on Sat May 10 12:54:52 UTC 2025
-
-Revision ID: 565bc3d0ba6e
-Revises: 173ea45db189
-Create Date: 2025-05-10 12:54:56.683215
-
-"""
-from alembic import op
-import sqlalchemy as sa
-
-
-# revision identifiers, used by Alembic.
-revision = '565bc3d0ba6e'
-down_revision = '173ea45db189'
-branch_labels = None
-depends_on = None
-
-
-def upgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    with op.batch_alter_table('loans', schema=None) as batch_op:
-        batch_op.add_column(sa.Column('disburse_date', sa.DateTime(), nullable=True))
-        batch_op.add_column(sa.Column('disburse_verify', sa.DateTime(), nullable=True))
-
-    # ### end Alembic commands ###
-
-
-def downgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    with op.batch_alter_table('loans', schema=None) as batch_op:
-        batch_op.drop_column('disburse_verify')
-        batch_op.drop_column('disburse_date')
-
-    # ### end Alembic commands ###

migrations/versions/610b7e9d15a6_migration_on_fri_apr_11_14_15_19_utc_.py

@@ -1,32 +0,0 @@
-"""Migration on Fri Apr 11 14:15:19 UTC 2025
-
-Revision ID: 610b7e9d15a6
-Revises: 9bb0367eb486
-Create Date: 2025-04-11 14:16:12.533227
-
-"""
-from alembic import op
-import sqlalchemy as sa
-
-
-# revision identifiers, used by Alembic.
-revision = '610b7e9d15a6'
-down_revision = '9bb0367eb486'
-branch_labels = None
-depends_on = None
-
-
-def upgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    with op.batch_alter_table('loans', schema=None) as batch_op:
-        batch_op.add_column(sa.Column('transaction_id', sa.String(length=50), nullable=True))
-
-    # ### end Alembic commands ###
-
-
-def downgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    with op.batch_alter_table('loans', schema=None) as batch_op:
-        batch_op.drop_column('transaction_id')
-
-    # ### end Alembic commands ###

migrations/versions/783a023a477f_migration_on_mon_apr_14_15_15_05_utc_.py

@@ -1,32 +0,0 @@
-"""Migration on Mon Apr 14 15:15:05 UTC 2025
-
-Revision ID: 783a023a477f
-Revises: f6cd1bfc8832
-Create Date: 2025-04-14 15:15:36.991148
-
-"""
-from alembic import op
-import sqlalchemy as sa
-
-
-# revision identifiers, used by Alembic.
-revision = '783a023a477f'
-down_revision = 'f6cd1bfc8832'
-branch_labels = None
-depends_on = None
-
-
-def upgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    with op.batch_alter_table('transactions', schema=None) as batch_op:
-        batch_op.add_column(sa.Column('customer_id', sa.String(length=50), nullable=True))
-
-    # ### end Alembic commands ###
-
-
-def downgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    with op.batch_alter_table('transactions', schema=None) as batch_op:
-        batch_op.drop_column('customer_id')
-
-    # ### end Alembic commands ###

migrations/versions/86e701febdda_.py

@@ -1,41 +0,0 @@
-"""empty message
-
-Revision ID: 86e701febdda
-Revises: eb99c7fb9e09
-Create Date: 2025-04-29 07:59:33.305967
-
-"""
-from alembic import op
-import sqlalchemy as sa
-
-
-# revision identifiers, used by Alembic.
-revision = '86e701febdda'
-down_revision = 'eb99c7fb9e09'
-branch_labels = None
-depends_on = None
-
-
-def upgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    op.create_table('transaction_offers',
-    sa.Column('id', sa.Integer(), autoincrement=True, nullable=False),
-    sa.Column('customer_id', sa.String(length=50), nullable=False),
-    sa.Column('transaction_id', sa.String(length=50), nullable=False),
-    sa.Column('offer_id', sa.String(length=20), nullable=False),
-    sa.Column('product_id', sa.String(length=20), nullable=True),
-    sa.Column('min_amount', sa.Float(), nullable=False),
-    sa.Column('max_amount', sa.Float(), nullable=False),
-    sa.Column('eligible_amount', sa.Float(), nullable=True),
-    sa.Column('tenor', sa.Integer(), nullable=True),
-    sa.Column('created_at', sa.DateTime(), nullable=True),
-    sa.Column('updated_at', sa.DateTime(), nullable=True),
-    sa.PrimaryKeyConstraint('id')
-    )
-    # ### end Alembic commands ###
-
-
-def downgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    op.drop_table('transaction_offers')
-    # ### end Alembic commands ###

migrations/versions/89759cebb9c6_migration_on_sat_apr_26_12_50_46_utc_.py

@@ -1,38 +0,0 @@
-"""Migration on Sat Apr 26 12:50:46 UTC 2025
-
-Revision ID: 89759cebb9c6
-Revises: 2a45dd99c9cb
-Create Date: 2025-04-26 12:50:49.771355
-
-"""
-from alembic import op
-import sqlalchemy as sa
-
-
-# revision identifiers, used by Alembic.
-revision = '89759cebb9c6'
-down_revision = '2a45dd99c9cb'
-branch_labels = None
-depends_on = None
-
-
-def upgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    with op.batch_alter_table('offers', schema=None) as batch_op:
-        batch_op.add_column(sa.Column('interest_rate', sa.Float(), nullable=True))
-        batch_op.add_column(sa.Column('management_rate', sa.Float(), nullable=True))
-        batch_op.add_column(sa.Column('insurance_rate', sa.Float(), nullable=True))
-        batch_op.add_column(sa.Column('vat_rate', sa.Float(), nullable=True))
-
-    # ### end Alembic commands ###
-
-
-def downgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    with op.batch_alter_table('offers', schema=None) as batch_op:
-        batch_op.drop_column('vat_rate')
-        batch_op.drop_column('insurance_rate')
-        batch_op.drop_column('management_rate')
-        batch_op.drop_column('interest_rate')
-
-    # ### end Alembic commands ###

migrations/versions/95a52be203c4_migration_on_sat_may_3_21_53_29_utc_2025.py

@@ -1,32 +0,0 @@
-"""Migration on Sat May  3 21:53:29 UTC 2025
-
-Revision ID: 95a52be203c4
-Revises: 38acee611d55
-Create Date: 2025-05-03 21:53:32.154029
-
-"""
-from alembic import op
-import sqlalchemy as sa
-
-
-# revision identifiers, used by Alembic.
-revision = '95a52be203c4'
-down_revision = '38acee611d55'
-branch_labels = None
-depends_on = None
-
-
-def upgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    with op.batch_alter_table('loans', schema=None) as batch_op:
-        batch_op.add_column(sa.Column('eligible_amount', sa.Float(), nullable=True))
-
-    # ### end Alembic commands ###
-
-
-def downgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    with op.batch_alter_table('loans', schema=None) as batch_op:
-        batch_op.drop_column('eligible_amount')
-
-    # ### end Alembic commands ###

migrations/versions/9bb0367eb486_migration_on_fri_apr_11_12_48_01_utc_.py

@@ -1,40 +0,0 @@
-"""Migration on Fri Apr 11 12:48:01 UTC 2025
-
-Revision ID: 9bb0367eb486
-Revises: fd447d78b161
-Create Date: 2025-04-11 12:48:36.145311
-
-"""
-from alembic import op
-import sqlalchemy as sa
-
-
-# revision identifiers, used by Alembic.
-revision = '9bb0367eb486'
-down_revision = 'fd447d78b161'
-branch_labels = None
-depends_on = None
-
-
-def upgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    with op.batch_alter_table('loans', schema=None) as batch_op:
-        batch_op.add_column(sa.Column('product_id', sa.String(length=20), nullable=True))
-        batch_op.add_column(sa.Column('current_loan_amount', sa.Float(), nullable=True))
-        batch_op.add_column(sa.Column('default_penalty_fee', sa.Float(), nullable=True))
-        batch_op.add_column(sa.Column('continuous_fee', sa.Float(), nullable=True))
-        batch_op.add_column(sa.Column('due_date', sa.DateTime(), nullable=True))
-
-    # ### end Alembic commands ###
-
-
-def downgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    with op.batch_alter_table('loans', schema=None) as batch_op:
-        batch_op.drop_column('due_date')
-        batch_op.drop_column('continuous_fee')
-        batch_op.drop_column('default_penalty_fee')
-        batch_op.drop_column('current_loan_amount')
-        batch_op.drop_column('product_id')
-
-    # ### end Alembic commands ###

migrations/versions/a4847b997191_migration_on_wed_apr_16_17_42_49_utc_.py

@@ -1,57 +0,0 @@
-"""Migration on Wed Apr 16 17:42:49 UTC 2025
-
-Revision ID: a4847b997191
-Revises: 783a023a477f
-Create Date: 2025-04-16 17:43:22.509659
-
-"""
-from alembic import op
-import sqlalchemy as sa
-
-
-# revision identifiers, used by Alembic.
-revision = 'a4847b997191'
-down_revision = '783a023a477f'
-branch_labels = None
-depends_on = None
-
-
-def upgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    op.create_table('loan_charges',
-    sa.Column('id', sa.Integer(), autoincrement=True, nullable=False),
-    sa.Column('loan_id', sa.Integer(), nullable=False),
-    sa.Column('transaction_id', sa.String(length=50), nullable=True),
-    sa.Column('code', sa.String(length=50), nullable=False),
-    sa.Column('amount', sa.Float(), nullable=True),
-    sa.Column('percent', sa.Float(), nullable=True),
-    sa.Column('description', sa.Text(), nullable=True),
-    sa.Column('due', sa.Integer(), nullable=False),
-    sa.Column('created_at', sa.DateTime(), nullable=True),
-    sa.Column('updated_at', sa.DateTime(), nullable=True),
-    sa.PrimaryKeyConstraint('id')
-    )
-    op.create_table('offers',
-    sa.Column('id', sa.String(), nullable=False),
-    sa.Column('product_id', sa.String(), nullable=False),
-    sa.Column('min_amount', sa.Float(), nullable=False),
-    sa.Column('max_amount', sa.Float(), nullable=False),
-    sa.Column('tenor', sa.Integer(), nullable=False),
-    sa.Column('created_at', sa.DateTime(), nullable=True),
-    sa.Column('updated_at', sa.DateTime(), nullable=True),
-    sa.PrimaryKeyConstraint('id')
-    )
-    with op.batch_alter_table('loans', schema=None) as batch_op:
-        batch_op.add_column(sa.Column('product_id', sa.String(length=20), nullable=True))
-
-    # ### end Alembic commands ###
-
-
-def downgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    with op.batch_alter_table('loans', schema=None) as batch_op:
-        batch_op.drop_column('product_id')
-
-    op.drop_table('offers')
-    op.drop_table('loan_charges')
-    # ### end Alembic commands ###

migrations/versions/b8f6fd76ead8_migration_on_thu_apr_10_16_21_45_utc_.py

@@ -1,86 +0,0 @@
-"""Migration on Thu Apr 10 16:21:45 UTC 2025
-
-Revision ID: b8f6fd76ead8
-Revises: 
-Create Date: 2025-04-10 16:22:15.946157
-
-"""
-from alembic import op
-import sqlalchemy as sa
-from sqlalchemy.dialects import postgresql
-
-# revision identifiers, used by Alembic.
-revision = 'b8f6fd76ead8'
-down_revision = None
-branch_labels = None
-depends_on = None
-
-
-def upgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    op.create_table('repayments',
-    sa.Column('id', sa.Integer(), autoincrement=True, nullable=False),
-    sa.Column('loan_id', sa.String(length=50), nullable=False),
-    sa.Column('customer_id', sa.String(length=50), nullable=False),
-    sa.Column('product_id', sa.String(length=20), nullable=True),
-    sa.Column('created_at', sa.DateTime(), nullable=True),
-    sa.Column('updated_at', sa.DateTime(), nullable=True),
-    sa.PrimaryKeyConstraint('id')
-    )
-    with op.batch_alter_table('loans', schema=None) as batch_op:
-        batch_op.alter_column('id',
-               existing_type=sa.VARCHAR(length=50),
-               type_=sa.Integer(),
-               existing_nullable=False,
-               autoincrement=True,
-               existing_server_default=sa.text("nextval('loan_id_seq'::regclass)"))
-
-    with op.batch_alter_table('transactions', schema=None) as batch_op:
-        batch_op.alter_column('channel',
-               existing_type=sa.VARCHAR(length=8),
-               type_=sa.String(length=50),
-               existing_nullable=False)
-        batch_op.alter_column('created_at',
-               existing_type=postgresql.TIMESTAMP(timezone=True),
-               type_=sa.DateTime(),
-               existing_nullable=True,
-               existing_server_default=sa.text('now()'))
-        batch_op.alter_column('updated_at',
-               existing_type=postgresql.TIMESTAMP(timezone=True),
-               type_=sa.DateTime(),
-               existing_nullable=True,
-               existing_server_default=sa.text('now()'))
-        batch_op.drop_constraint('transactions_id_key', type_='unique')
-
-    # ### end Alembic commands ###
-
-
-def downgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    with op.batch_alter_table('transactions', schema=None) as batch_op:
-        batch_op.create_unique_constraint('transactions_id_key', ['id'])
-        batch_op.alter_column('updated_at',
-               existing_type=sa.DateTime(),
-               type_=postgresql.TIMESTAMP(timezone=True),
-               existing_nullable=True,
-               existing_server_default=sa.text('now()'))
-        batch_op.alter_column('created_at',
-               existing_type=sa.DateTime(),
-               type_=postgresql.TIMESTAMP(timezone=True),
-               existing_nullable=True,
-               existing_server_default=sa.text('now()'))
-        batch_op.alter_column('channel',
-               existing_type=sa.String(length=50),
-               type_=sa.VARCHAR(length=8),
-               existing_nullable=False)
-
-    with op.batch_alter_table('loans', schema=None) as batch_op:
-        batch_op.alter_column('id',
-               existing_type=sa.Integer(),
-               type_=sa.VARCHAR(length=50),
-               existing_nullable=False,
-               autoincrement=True,
-               existing_server_default=sa.text("nextval('loan_id_seq'::regclass)"))
-
-    op.drop_table('repayments')
-    # ### end Alembic commands ###

migrations/versions/d59bfb9ead82_.py

@@ -0,0 +1,38 @@
+"""empty message
+
+Revision ID: d59bfb9ead82
+Revises: 05b5494ad406
+Create Date: 2025-08-21 14:22:19.220158
+
+"""
+from alembic import op
+import sqlalchemy as sa
+
+
+# revision identifiers, used by Alembic.
+revision = 'd59bfb9ead82'
+down_revision = '05b5494ad406'
+branch_labels = None
+depends_on = None
+
+
+def upgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    
+    op.add_column(
+        'loan_repayment_schedules',
+        sa.Column('due_process_date', sa.DateTime(), nullable=True)
+    )
+
+    # Add due_process_count column
+    op.add_column(
+        'loan_repayment_schedules',
+        sa.Column('due_process_count', sa.Integer(), nullable=True)
+    )
+
+
+def downgrade():
+    # ### commands auto generated by Alembic - please adjust! ###
+    op.drop_column('loan_repayment_schedules', 'due_process_date')
+    op.drop_column('loan_repayment_schedules', 'due_process_count')
+    # ### end Alembic commands ###

migrations/versions/de9ad96ba34e_migration_on_thu_apr_17_14_15_36_utc_.py

@@ -1,38 +0,0 @@
-"""Migration on Thu Apr 17 14:15:36 UTC 2025
-
-Revision ID: de9ad96ba34e
-Revises: ec8d97f9b584
-Create Date: 2025-04-17 14:16:16.537466
-
-"""
-from alembic import op
-import sqlalchemy as sa
-
-
-# revision identifiers, used by Alembic.
-revision = 'de9ad96ba34e'
-down_revision = 'ec8d97f9b584'
-branch_labels = None
-depends_on = None
-
-
-def upgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    op.create_table('charges',
-    sa.Column('id', sa.Integer(), autoincrement=True, nullable=False),
-    sa.Column('offer_id', sa.String(length=50), nullable=False),
-    sa.Column('code', sa.String(length=50), nullable=False),
-    sa.Column('percent', sa.Float(), nullable=True),
-    sa.Column('description', sa.Text(), nullable=True),
-    sa.Column('due', sa.Integer(), nullable=False),
-    sa.Column('created_at', sa.DateTime(), nullable=True),
-    sa.Column('updated_at', sa.DateTime(), nullable=True),
-    sa.PrimaryKeyConstraint('id')
-    )
-    # ### end Alembic commands ###
-
-
-def downgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    op.drop_table('charges')
-    # ### end Alembic commands ###

migrations/versions/eb99c7fb9e09_migration_on_sat_apr_26_19_02_17_utc_.py

@@ -1,32 +0,0 @@
-"""Migration on Sat Apr 26 19:02:17 UTC 2025
-
-Revision ID: eb99c7fb9e09
-Revises: 89759cebb9c6
-Create Date: 2025-04-26 19:02:20.443678
-
-"""
-from alembic import op
-import sqlalchemy as sa
-
-
-# revision identifiers, used by Alembic.
-revision = 'eb99c7fb9e09'
-down_revision = '89759cebb9c6'
-branch_labels = None
-depends_on = None
-
-
-def upgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    with op.batch_alter_table('loans', schema=None) as batch_op:
-        batch_op.add_column(sa.Column('original_transaction', sa.String(length=50), nullable=True))
-
-    # ### end Alembic commands ###
-
-
-def downgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    with op.batch_alter_table('loans', schema=None) as batch_op:
-        batch_op.drop_column('original_transaction')
-
-    # ### end Alembic commands ###

migrations/versions/ec8d97f9b584_migration_on_thu_apr_17_10_40_05_utc_.py

@@ -1,34 +0,0 @@
-"""Migration on Thu Apr 17 10:40:05 UTC 2025
-
-Revision ID: ec8d97f9b584
-Revises: 287ecb02d3d7
-Create Date: 2025-04-17 10:40:34.751272
-
-"""
-from alembic import op
-import sqlalchemy as sa
-
-
-# revision identifiers, used by Alembic.
-revision = 'ec8d97f9b584'
-down_revision = '287ecb02d3d7'
-branch_labels = None
-depends_on = None
-
-
-def upgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    with op.batch_alter_table('loan_charges', schema=None) as batch_op:
-        batch_op.add_column(sa.Column('transaction_id', sa.String(length=50), nullable=True))
-        batch_op.add_column(sa.Column('due_date', sa.DateTime(), nullable=True))
-
-    # ### end Alembic commands ###
-
-
-def downgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    with op.batch_alter_table('loan_charges', schema=None) as batch_op:
-        batch_op.drop_column('due_date')
-        batch_op.drop_column('transaction_id')
-
-    # ### end Alembic commands ###

migrations/versions/f1e83a993034_migration_on_tue_apr_29_20_43_35_utc_.py

@@ -1,32 +0,0 @@
-"""Migration on Tue Apr 29 20:43:35 UTC 2025
-
-Revision ID: f1e83a993034
-Revises: 86e701febdda
-Create Date: 2025-04-29 20:43:38.595543
-
-"""
-from alembic import op
-import sqlalchemy as sa
-
-
-# revision identifiers, used by Alembic.
-revision = 'f1e83a993034'
-down_revision = '86e701febdda'
-branch_labels = None
-depends_on = None
-
-
-def upgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    with op.batch_alter_table('loan_repayment_schedules', schema=None) as batch_op:
-        batch_op.add_column(sa.Column('transaction_id', sa.String(length=50), nullable=True))
-
-    # ### end Alembic commands ###
-
-
-def downgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    with op.batch_alter_table('loan_repayment_schedules', schema=None) as batch_op:
-        batch_op.drop_column('transaction_id')
-
-    # ### end Alembic commands ###

migrations/versions/f6cd1bfc8832_migration_on_fri_apr_11_14_34_36_utc_.py

@@ -1,34 +0,0 @@
-"""Migration on Fri Apr 11 14:34:36 UTC 2025
-
-Revision ID: f6cd1bfc8832
-Revises: 610b7e9d15a6
-Create Date: 2025-04-11 14:35:07.093967
-
-"""
-from alembic import op
-import sqlalchemy as sa
-
-
-# revision identifiers, used by Alembic.
-revision = 'f6cd1bfc8832'
-down_revision = '610b7e9d15a6'
-branch_labels = None
-depends_on = None
-
-
-def upgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    with op.batch_alter_table('loans', schema=None) as batch_op:
-        batch_op.add_column(sa.Column('collection_type', sa.String(length=20), nullable=True))
-        batch_op.drop_column('product_id')
-
-    # ### end Alembic commands ###
-
-
-def downgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    with op.batch_alter_table('loans', schema=None) as batch_op:
-        batch_op.add_column(sa.Column('product_id', sa.VARCHAR(length=20), autoincrement=False, nullable=True))
-        batch_op.drop_column('collection_type')
-
-    # ### end Alembic commands ###

migrations/versions/fd447d78b161_migration_on_fri_apr_11_12_02_45_utc_.py

@@ -1,38 +0,0 @@
-"""Migration on Fri Apr 11 12:02:45 UTC 2025
-
-Revision ID: fd447d78b161
-Revises: 1340e7e578b9
-Create Date: 2025-04-11 12:03:28.346671
-
-"""
-from alembic import op
-import sqlalchemy as sa
-
-
-# revision identifiers, used by Alembic.
-revision = 'fd447d78b161'
-down_revision = '1340e7e578b9'
-branch_labels = None
-depends_on = None
-
-
-def upgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    with op.batch_alter_table('transactions', schema=None) as batch_op:
-        batch_op.alter_column('account_id',
-               existing_type=sa.VARCHAR(length=50),
-               nullable=True)
-        batch_op.drop_column('ref_model')
-
-    # ### end Alembic commands ###
-
-
-def downgrade():
-    # ### commands auto generated by Alembic - please adjust! ###
-    with op.batch_alter_table('transactions', schema=None) as batch_op:
-        batch_op.add_column(sa.Column('ref_model', sa.VARCHAR(length=50), autoincrement=False, nullable=True))
-        batch_op.alter_column('account_id',
-               existing_type=sa.VARCHAR(length=50),
-               nullable=False)
-
-    # ### end Alembic commands ###

requirements.txt

@@ -6,6 +6,7 @@ flask-sqlalchemy
 flask-migrate
 psycopg2-binary
 alembic
+oracledb
 
 # Schema for validations
 Flask-Marshmallow==0.15.0
@@ -39,3 +40,6 @@ confluent-kafka==1.9.2
 
 python-dateutil
 
+Flask-Mail==0.10.0
+pandas==2.1.3
+openpyxl==3.1.5