Update provide_loan.py

app/__init__.py

@@ -22,19 +22,17 @@ def create_app():
     # import oracledb
 
     # oracledb.init_oracle_client(lib_dir=None) 
+    app = Flask(__name__)
+
+    # Load configuration
+    app.config.from_object(Config)
+
+    CORS(app)
+    JWTManager(app)
+    CORS(app, supports_credentials=True)
+
 
     try:
-
-        app = Flask(__name__)
-
-        # Load configuration
-        app.config.from_object(Config)
-
-        CORS(app)
-
-        JWTManager(app)
-        CORS(app, supports_credentials=True)
-
         # Swagger Doc
         SWAGGER_URL = app.config.get("SWAGGER_URL")
         API_URL = app.config.get("API_URL")
@@ -45,6 +43,11 @@ def create_app():
         swagger_ui_blueprint = get_swaggerui_blueprint(SWAGGER_URL, API_URL)
         app.register_blueprint(swagger_ui_blueprint, url_prefix=SWAGGER_URL)
 
+    except Exception as e:
+        print(f"Swagger Unexpected error occurred: {e}")
+
+
+    try:
         # Error Handlers
         register_error_handlers(app)
 

app/api/integrations/simbrella.py

@@ -1,13 +1,64 @@
+from os import access
 import httpx
-import json
+import time
 from app.utils.logger import logger
 from app.config import settings
-import logging
 
 
 class SimbrellaIntegration:
     BASE_URL = settings.SIMBRELLA_BASE_URL
     ENDPOINT_RAC_CHECKS = settings.SIMBRELLA_ENDPOINT_RAC_CHECKS
+    HEALTH_ENDPOINT = settings.SIMBRELLA_HEALTH
+    AUTH_ENDPOINT =  settings.BANK_CALL_AUTH_ENDPOINT
+
+    _access_token = None  # cache token in memory
+    _token_expiry = 0 
+
+    @staticmethod
+    def generate_token():
+        """
+        Generate a new access token using the username and password from settings.
+        """
+        url = f"{SimbrellaIntegration.BASE_URL}{SimbrellaIntegration.AUTH_ENDPOINT}"
+
+        payload = {
+            "username": settings.BANK_CALL_USERNAME,
+            "password": settings.BANK_CALL_PASSWORD,
+            "grant_type": "password"
+        }
+
+        headers = {"Content-Type": "application/json"}
+
+        try:
+            logger.info(f"Requesting Bank token from {url}")
+
+            response = httpx.post(url, json=payload, headers=headers, timeout=10.0)
+            response.raise_for_status()
+
+            data = response.json()
+            expires_in = data.get("expires_in", 1800)
+            
+            SimbrellaIntegration._access_token = data.get("access_token")
+            SimbrellaIntegration._token_expiry = time.time() + expires_in - 60
+
+            if not SimbrellaIntegration._access_token:
+                raise Exception("Access token not found in Bank Authorization response")
+
+            logger.info("Successfully retrieved Bank access token")
+            return SimbrellaIntegration._access_token
+
+        except Exception as e:
+            logger.error(f"Token generation failed: {str(e)}", exc_info=True)
+            raise Exception(f"Token generation failed: {str(e)}")
+
+    @staticmethod
+    def _get_token():
+        """
+        Return a valid token, refreshing if expired or missing
+        """
+        if not SimbrellaIntegration._access_token or time.time() >= SimbrellaIntegration._token_expiry:
+            return SimbrellaIntegration.generate_token()
+        return SimbrellaIntegration._access_token
 
     @staticmethod
     def rac_check(customer_id, account_id, transaction_id):
@@ -26,13 +77,14 @@ class SimbrellaIntegration:
             "channel": "USSD"
         }
 
-        headers = {
-            "Content-Type": "application/json",
-            "x-api-key": f"{settings.VALID_API_KEY}",
-            "App-Id": f"{settings.VALID_APP_ID}",
-        }
-
         try:
+            access_token = SimbrellaIntegration._get_token()
+            headers = {
+                "Content-Type": "application/json",
+                "Authorization": f"Bearer {access_token}"
+            }
+
+       
             response = httpx.post(url, json=payload, headers=headers, timeout=10.0)
 
             logger.info(f"This is Response: {str(response)}", exc_info=True)
@@ -42,4 +94,27 @@ class SimbrellaIntegration:
         except Exception as e:
             logger.error(f"RACCheck API call failed: {str(e)}", exc_info=True)
             raise Exception(f"RACCheck API call failed: {str(e)}")
+        
+    @staticmethod
+    def health_check():
+        """
+        Health check for Bank Service
+        """
+       
+        url = f"{SimbrellaIntegration.BASE_URL}/{SimbrellaIntegration.HEALTH_ENDPOINT}"
+        logger.info(f"Bank Health Check URL: {url}")
+        
+        try:
+            access_token = SimbrellaIntegration._get_token()
+            headers = {
+                "Content-Type": "application/json",
+                "Authorization": f"Bearer {access_token}"
+            }
+
+            response = httpx.get(url, headers=headers, timeout=10.0)
+            logger.info(f"Bank Health Check Response: {response.text}")
+            return response
+        except Exception as e:
+            logger.error(f"Bank Health Check API call failed: {str(e)}", exc_info=True)
+            raise Exception(f"Bank Health Check API call failed: {str(e)}")
   

app/api/routes/routes.py

@@ -1,5 +1,5 @@
-from sqlite3 import DatabaseError
 from app.api.integrations.events_service import EventServiceIntegration
+from app.api.integrations.simbrella import SimbrellaIntegration
 from flask import Blueprint, request, jsonify, send_from_directory
 from app.api.services import (
     EligibilityCheckService,
@@ -125,6 +125,7 @@ def health_check():
     response = {}
     db_status = "Connection Successful"
     events_service_status = "Connection Successful"
+    bank_status = "Connection Successful"
     errors = []
     status = "ok"
 
@@ -140,7 +141,7 @@ def health_check():
     # Check database connection
     try:
         logger.info(f"Database Health == : {SQLALCHEMY_DATABASE_URI}")
-        db.session.execute(text("SELECT 1"))
+        db.session.execute(text("SELECT table_name FROM user_tables ORDER BY table_name"))
     except Exception as e:
         db_status = "Connection Failed"
         errors.append(f"Database Error: {str(e)}")
@@ -158,15 +159,30 @@ def health_check():
 
 
     except Exception as e:
-        events_service_status = "Connection Successful"
+        events_service_status = "Connection Failed"
         status = "failed"
         errors.append(f"Events Service connection failed: {str(e)}")
 
+    # Check Bank health
+    try:
+        emulator_response = SimbrellaIntegration.health_check()
+
+        if emulator_response.status_code != 200:
+            bank_status = "Connection Failed"
+            status = "failed"
+            errors.append(f"Bank Connection response: {emulator_response.text}")
+
+    except Exception as e:
+        bank_status = "Connection Failed"
+        status = "failed"
+        errors.append(f"Connection to Bank failed: {str(e)}")
+
 
     response = {
         "status": status,
         "db_status": db_status,
         "events_service_status": events_service_status,
+        "bank_status": bank_status,
         "db_uri": db_uri,
         "errors": errors or None
     }

app/api/services/loan_status.py

@@ -3,15 +3,15 @@ from marshmallow import ValidationError
 from app.api.enums.loan_status import LoanStatus
 from app.models import Customer
 from app.utils.logger import logger
-from app.api.schemas.loan_status import LoanStatusSchema 
+from app.api.schemas.loan_status import LoanStatusSchema
 from app.api.services.base_service import BaseService
-from app.api.enums import TransactionType   
+from app.api.enums import TransactionType
 from app.extensions import db
 from app.api.helpers.response_helper import ResponseHelper
 
 
 class LoanStatusService(BaseService):
-    TRANSACTION_TYPE = TransactionType.LOAN_STATUS 
+    TRANSACTION_TYPE = TransactionType.LOAN_STATUS
 
     @staticmethod
     def process_request(data):
@@ -27,31 +27,57 @@ class LoanStatusService(BaseService):
         try:
             with db.session.begin():
                 # Validate data
-                validated_data = LoanStatusService.validate_data(data, LoanStatusSchema())
+                validated_data = LoanStatusService.validate_data(
+                    data, LoanStatusSchema()
+                )
 
-                customer_id =  validated_data.get('customerId')
+                customer_id = validated_data.get("customerId")
 
                 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)):
+                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)
+                    customer_loans = customer.loans
+                    loans = [
+                        loan.to_dict()
+                        for loan in customer_loans
+                        if loan.status in [LoanStatus.ACTIVE, LoanStatus.START_REPAY, LoanStatus.ACTIVE_PARTIAL]
+                    ]
+
+                    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")
-
-                total_debt_amount = sum(
-                    loan.get("currentLoanAmount") or 0
-                    for loan in loans
+                        return ResponseHelper.error(
+                            result_description="Failed to log transaction."
+                        )
+                else:
+                    return ResponseHelper.error(
+                        result_description="Invalid Customer or Account"
                     )
 
+                # CONFIRM IF THE TOTAL DEBT IF FOR ONLY ACTIVE LOANS OR ALL LOANS
+                total_debt_amount = sum(
+                    loan.get("currentLoanAmount") or 0 for loan in loans
+                )
+                
+                total_outstanding_amount = sum(
+                    loan.get("currentLoanAmount") or 0 for loan in loans
+                )
+
+                total_active_loan_amount = sum(
+                    loan.get("repaymentAmount") or 0 for loan in loans
+                )
+
+                total_settled_amount = total_active_loan_amount - total_outstanding_amount
+
                 # Simulated processing logic
                 response_data = {
                     "customerId": customer_id,
@@ -59,6 +85,11 @@ class LoanStatusService(BaseService):
                     "transactionId": transactionId,
                     "loans": loans,
                     "totalDebtAmount": total_debt_amount,
+                    "summary": {
+                        "totalSettledAmount": total_settled_amount,
+                        "totalOutstandingAmount": total_outstanding_amount,
+                        "totalActiveLoanAmount": total_active_loan_amount,
+                    }
                 }
 
                 db.session.commit()
@@ -68,9 +99,11 @@ class LoanStatusService(BaseService):
 
             logger.error(f"Validation Error: {getattr(err, 'messages', str(err))}")
             db.session.rollback()
-            return ResponseHelper.unprocessable_entity(result_description="Validation exception")
-        
-        except  ValueError as err:
+            return ResponseHelper.unprocessable_entity(
+                result_description="Validation exception"
+            )
+
+        except ValueError as err:
             logger.error(f"{getattr(err, 'messages', str(err))}")
             db.session.rollback()
             return ResponseHelper.error(result_description=str(err))
@@ -78,4 +111,4 @@ class LoanStatusService(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()

app/api/services/provide_loan.py

@@ -1,3 +1,4 @@
+from gettext import install
 from flask import request, jsonify
 from marshmallow import ValidationError
 from app.api.integrations.kafka import KafkaIntegration
@@ -11,13 +12,12 @@ from threading import Thread
 from app.models import Loan, Offer, Charge , TransactionOffer, RACCheck
 from app.api.enums import LoanStatus
 from app.extensions import db
-from datetime import datetime, timezone
+from datetime import datetime, timezone, timedelta
 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 
@@ -144,10 +144,10 @@ class ProvideLoanService(BaseService):
 
                     db.session.flush()
                     current_product_id = offer.product_id
-                    schedule = LoanRepaymentSchedule.add_repayment_schedule(loan = loan, num_schedules = num_schedules, transaction_id = transaction_id)
+                    schedules = LoanRepaymentSchedule.add_repayment_schedule(loan = loan, num_schedules = num_schedules, transaction_id = transaction_id)
 
 
-                    if not schedule:
+                    if not schedules:
                         logger.error(f"Failed to create repayment schedule for loan ID {loan.id}")
                         return ResponseHelper.error(result_description="Failed to generate loan repayment schedule.")
 
@@ -168,7 +168,8 @@ class ProvideLoanService(BaseService):
                     loan_charges=loan_charges,
                     offer=offer,
                     loan_ref=loan_ref,
-                    amount=amount
+                    amount=amount,
+                    schedules=schedules
                     )
                
                 response_data = {
@@ -215,33 +216,74 @@ class ProvideLoanService(BaseService):
         return response
     
     @classmethod
-    def get_charge_schedule_items(cls, loan_charges, offer, loan_ref, amount):
+    def get_charge_schedule_items(cls, loan_charges, offer, loan_ref, amount, schedules):
         now = datetime.now(timezone.utc)
         due_date = now + timedelta(days=offer.tenor)
+        id_counter = 1
 
         charge_schedule_items = []
         
         charge_schedule_items.append({
-                "id": 1,
+                "id": id_counter,
                 "dueDate": due_date.isoformat(),
                 "amountDue": amount,
                 "componentName": "PRINCIPAL",
                 "startDate": now.isoformat(),
         })
-        
-        for idx, charge in enumerate(loan_charges, start=len(charge_schedule_items) + 1):
+
+        interest_amount = 0.0
+
+        for charge in loan_charges:
+
+            code = charge.code.upper()
+
+            if code == "INTEREST":
+                interest_amount = float(charge.amount)
+                continue 
+
+
             item = {
-                "id": idx,
+                "id": id_counter,
                 "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)
+            id_counter += 1
+
+
+        num_schedules = len(schedules)
+        if num_schedules > 0:
+            principal_per_schedule = amount / num_schedules
+        else:
+            principal_per_schedule = 0.0
+
+
+        for schedule in schedules:
+            default = {
+                "id":  id_counter,
+                "installmentNo": schedule.installment_number,
+                "dueDate": schedule.due_date.isoformat(),
+                "amountDue": round(principal_per_schedule, 2),
+                "componentName": "DEFAULT",
+                "startDate": schedule.created_at.isoformat(),
+            }
+
+            charge_schedule_items.append(default)
+            id_counter += 1
+
+            interest = {
+                "id": id_counter,
+                "dueDate": schedule.due_date.isoformat(),
+                "amountDue": round(interest_amount, 2),
+                "componentName": "INTEREST",
+                "startDate": schedule.created_at.isoformat()
+            }
+
+            charge_schedule_items.append(interest)
+            id_counter += 1
 
         return charge_schedule_items
 

app/api/services/select_offer.py

@@ -38,6 +38,7 @@ class SelectOfferService(BaseService):
                 transaction_id = validated_data.get("transactionId")
                 request_id = validated_data.get("requestId")
 
+    
                 offer_id = int(transaction_offer_id[5:])  # The last part is int
 
                 #"offerId": "SAL30001129",

app/config.py

@@ -46,6 +46,13 @@ class Config:
     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")
+    SIMBRELLA_HEALTH =  os.getenv("SIMBRELLA_ENDPOINT_RAC_CHECKS","api/system-health-check")
+    BANK_CALL_AUTH_ENDPOINT = os.getenv("BANK_CALL_AUTH_ENDPOINT", "/api/Auth/generate-token")
+    BANK_CALL_USERNAME = os.getenv("BANK_CALL_USERNAME", "simbrella")
+    BANK_CALL_PASSWORD = os.getenv("BANK_CALL_PASSWORD", "G7$k9@pL2!qR")
+
+
+
     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")

app/models/loan.py

@@ -246,7 +246,7 @@ class Loan(db.Model):
             'loanRef': self.reference,
             'productId': self.product_id,
             'initialLoanAmount': self.initial_loan_amount,
-            'currentLoanAmount': self.current_loan_amount,
+            'currentLoanAmount': self.balance,
             'defaultPenaltyFee': self.default_penalty_fee,
             'continuousFee': self.continuous_fee,
             'collectionType': self.collection_type,

app/models/repayment.py

@@ -56,6 +56,12 @@ class Repayment(db.Model):
             raise ValueError(f"Database integrity error: {err}")
 
         return repayment
+
+    # Get loan repayments
+    @classmethod
+    def get_repayments_by_id(cls, loan_id):
+        return cls.query.filter_by(loan_id=loan_id).all()
+    
     
     def to_dict(self):
         return {

app/swagger/digifi_swagger.json

@@ -1,7 +1,7 @@
 {
   "openapi": "3.0.3",
   "info": {
-    "title": "Swagger Bank Channel to Simbrella FirstAdvance - OpenAPI 3.0",
+    "title": "Swagger Simbrella Core [10/22/2025] - OpenAPI 3.0",
     "description": "This is a Simbrella FirstAdvance Backend Server with the OpenAPI 3.0 specification.  \n\n\nSome useful links:\n- [Web Simulated Demo Page](https://digifi-salaryloan.chiefsoft.net/)\n- [Web Management Support Portal](https://digifi-office.chiefsoft.net/auth/login)",
     "termsOfService": "http://swagger.io/terms/",
     "contact": {
@@ -28,6 +28,10 @@
     }
   ],
   "tags": [
+    {
+      "name": "Health",
+      "description": "System health check including DB status."
+    },
     {
       "name": "Authorize",
       "description": "This feature will be used for authorizing customers.",
@@ -83,13 +87,48 @@
         "description": "Find out more",
         "url": "https://www.simbrellang.net"
       }
-    },
-    {
-      "name": "Health",
-      "description": "System health check including DB status."
     }
   ],
   "paths": {
+    "/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":"Connection Successful",
+                  "bank_status":"Connection Successful",
+                  "db_uri": "postgresql://user:****@localhost:5432/digifi_db",
+                  "error": []
+                }
+              }
+            }
+          },
+          "500": {
+            "description": "Health check failed",
+            "content": {
+              "application/json": {
+                "example": {
+                  "status": "failed",
+                  "db_status": "Connection Failed",
+                  "events_service_status":"Connection Failed",
+                  "bank_status":"Connection Failed",
+                  "db_uri": "Unavailable",
+                  "error":["could not connect to server: Connection refused"]
+                }
+              }
+            }
+          }
+        }
+      }
+    },
     "/Authorize": {
       "$ref": "swagger/paths/Authorize.json"
     },
@@ -110,41 +149,6 @@
     },
     "/Repayment": {
       "$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": {

app/swagger/schemas/LoanStatusResponse.json

@@ -102,6 +102,29 @@
       "type": "number",
       "format": "float",
       "example": 30000.0
+    },
+    "summary": {
+      "type": "object",
+      "properties": {
+        "totalOutstandingAmount": {
+          "type": "number",
+          "format": "float",
+          "example": 114450.0,
+          "description": "Total amount still owed across all unpaid loans."
+        },
+        "totalActiveLoanAmount": {
+          "type": "number",
+          "format": "float",
+          "example": 40000.0,
+          "description": "Total principal amount of currently active loans."
+        },
+        "totalSettledAmount": {
+          "type": "number",
+          "format": "float",
+          "example": 80000.0,
+          "description": "Total amount that has been fully repaid."
+        }
+      }
     }
   },
   "xml": {

docker-compose.yml

@@ -1,3 +1,4 @@
+version: '3.8'
 services:
   digifi-bank-to-product-core:
     build: .
@@ -11,4 +12,14 @@ services:
       - DATABASE_URL=postgresql+psycopg2://${DATABASE_USER}:${DATABASE_PASSWORD}@${DATABASE_HOST}:${DATABASE_PORT}/${DATABASE_NAME}
     volumes:
       - .:/app
-    restart: always
+    restart: always
+    networks:
+      - my_custom_network
+
+
+networks:
+  my_custom_network:
+    driver: bridge
+    ipam:
+      config:
+        - subnet: 10.244.0.0/26