[add]: Loan min amount

app/api/services/eligibility_check.py

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

app/api/services/offer_analysis.py

@@ -63,6 +63,10 @@ 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.")
+
                 transaction_offer = TransactionOffer.create_transaction_offer(
                     customer_id=customer_id,
                     transaction_id=transaction_id,

app/api/services/provide_loan.py

@@ -60,6 +60,10 @@ 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.")
                     
                     # transaction_offer_id =  int(offer_id[5:]) # The last part is int
 

app/api/services/select_offer.py

@@ -59,6 +59,10 @@ class SelectOfferService(BaseService):
 
                 db.session.flush()
 
+                if(amount < offer.min_amount):
+                    return ResponseHelper.error(result_description="The amount is less than the minimum allowed offer amount.")
+                    
+
                 charges = SelectOfferService.calculate_charges(offer, amount)
                 upfront_payment = charges["upfront_payment"]
                 total_amount = charges["total_amount"]

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

@@ -12,7 +12,7 @@ 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",
@@ -47,7 +47,13 @@ class Customer(db.Model):
             raise ValueError("Customer already exists")
         
         # Create the customer
-        customer = cls(id=id, msisdn=msisdn, country_code=country_code)
+        customer = cls(
+            id=id,
+            msisdn=msisdn,
+            country_code=country_code,
+            created_at=datetime.now(timezone.utc),
+            updated_at=datetime.now(timezone.utc)
+            )
         try: 
             db.session.add(customer)
             

app/models/loan.py

@@ -39,7 +39,7 @@ class Loan(db.Model):
     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)
@@ -109,7 +109,9 @@ class Loan(db.Model):
             due_date=due_date,
             tenor = tenor,
             status = status,
-            eligible_amount =eligible_amount
+            eligible_amount =eligible_amount,
+            created_at=datetime.now(timezone.utc),
+            updated_at=datetime.now(timezone.utc)
         )
         
         try:

app/models/loan_charge.py

@@ -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

@@ -19,7 +19,7 @@ class LoanRepaymentSchedule(db.Model):
     paid_at = 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="LoanRepaymentSchedule.loan_id == Loan.id",
@@ -45,7 +45,9 @@ class LoanRepaymentSchedule(db.Model):
                 total_repayment_amount = round(loan.repayment_amount, 2),
                 installment_amount=round(loan.installment_amount, 2),
                 product_id = loan.product_id,
-                transaction_id = transaction_id
+                transaction_id = transaction_id,
+                created_at=datetime.now(timezone.utc),
+                updated_at=datetime.now(timezone.utc)
             )
             
             db.session.add(schedule)

app/models/offer.py

@@ -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

@@ -15,7 +15,7 @@ class RACCheck(db.Model):
     account_id = db.Column(db.String, nullable=False)
     rac_response = db.Column(db.JSON, 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())
     @classmethod
     def add_rac_check(cls, customer_id, account_id, transaction_id, data = None):
     
@@ -25,7 +25,9 @@ class RACCheck(db.Model):
             customer_id = customer_id,
             account_id = account_id,
             transaction_id = transaction_id,
-            rac_response = data
+            rac_response = data,
+            created_at=datetime.now(timezone.utc),
+            updated_at=datetime.now(timezone.utc)
         )
         
         try:

app/models/repayment.py

@@ -19,7 +19,7 @@ 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)
 
     @classmethod
@@ -42,7 +42,9 @@ class Repayment(db.Model):
             customer_id=customer_id,
             loan_id=loan_id,
             product_id=product_id,
-            transaction_id = transaction_id
+            transaction_id = transaction_id,
+            created_at=datetime.now(timezone.utc),
+            updated_at=datetime.now(timezone.utc)
         )
 
         try:

app/models/transaction.py

@@ -18,7 +18,7 @@ class Transaction(db.Model):
     type = db.Column(db.String(50), nullable=False)
     channel = db.Column(db.String(50), 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())
     def __repr__(self):
         return f'<Transaction {self.id}>'
 
@@ -38,7 +38,9 @@ class Transaction(db.Model):
             customer_id = customer_id,
             account_id = account_id,
             type = type,
-            channel = channel
+            channel = channel,
+            created_at=datetime.now(timezone.utc),
+            updated_at=datetime.now(timezone.utc)
         )
 
         try:

app/models/transaction_offers.py

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

migrations/versions/e8dd9b841ad7_.py

@@ -0,0 +1,36 @@
+"""empty message
+
+Revision ID: e8dd9b841ad7
+Revises: 2eee4157505f
+Create Date: 2025-05-19 11:46:19.204637
+
+"""
+from alembic import op
+import sqlalchemy as sa
+
+
+# revision identifiers, used by Alembic.
+revision = 'e8dd9b841ad7'
+down_revision = '2eee4157505f'
+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('max_daily_loans', sa.Integer(), nullable=True))
+        batch_op.add_column(sa.Column('max_active_loans', sa.Integer(), nullable=True))
+        batch_op.add_column(sa.Column('max_life_loans', sa.Integer(), 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('max_life_loans')
+        batch_op.drop_column('max_active_loans')
+        batch_op.drop_column('max_daily_loans')
+
+    # ### end Alembic commands ###