[add]: transaction offer fix

.env.local.example

@@ -12,7 +12,6 @@ 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

@@ -1,15 +0,0 @@
-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

@@ -1,40 +0,0 @@
-
-# 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

@@ -1,5 +1,4 @@
 from flask import Flask
-from flask_mail import Mail
 import os
 from flask_swagger_ui import get_swaggerui_blueprint
 from flask_cors import CORS
@@ -8,7 +7,7 @@ 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, mail
+from app.extensions import db, migrate
 from flask_jwt_extended import (
     JWTManager,
     jwt_required,
@@ -19,48 +18,34 @@ from flask_jwt_extended import (
 
 def create_app():
     """Factory function to create a Flask app instance"""
-    # 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)
+    CORS(app, supports_credentials=True) 
 
+    # Swagger Doc
+    SWAGGER_URL = app.config.get("SWAGGER_URL")
+    API_URL = app.config.get("API_URL")
 
-    try:
-        # Swagger Doc
-        SWAGGER_URL = app.config.get("SWAGGER_URL")
-        API_URL = app.config.get("API_URL")
+    # Register blueprints
+    app.register_blueprint(api)
 
-        # Register blueprints
-        app.register_blueprint(api)
+    swagger_ui_blueprint = get_swaggerui_blueprint(SWAGGER_URL, API_URL)
+    app.register_blueprint(swagger_ui_blueprint, url_prefix=SWAGGER_URL)
 
-        swagger_ui_blueprint = get_swaggerui_blueprint(SWAGGER_URL, API_URL)
-        app.register_blueprint(swagger_ui_blueprint, url_prefix=SWAGGER_URL)
+    # Error Handlers
+    register_error_handlers(app)
 
-    except Exception as e:
-        print(f"Swagger Unexpected error occurred: {e}")
+    from . import models
 
+    # Database and Migrations
+    db.init_app(app)
 
-    try:
-        # Error Handlers
-        register_error_handlers(app)
+    migrate.init_app(app, db)
 
-        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}")
+    return app

app/api/enums/loan_status.py

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

app/api/helpers/response_helper.py

@@ -1,112 +1,251 @@
 from flask import jsonify
-from typing import Optional, Union, Dict, List, Any
+from typing import List, Dict, Union, Optional, Any
 
 
 class ResponseHelper:
     """
-    A helper class for building standardized JSON responses using resultCode and resultDescription.
+    A helper class for building standardized JSON responses in Flask.
     """
 
     @staticmethod
     def build_response(
-        result_code: str,
-        result_description: str,
-        data: Optional[Union[Dict, List, str]] = None
+        status: bool,
+        message: str,
+        data: Optional[Union[Dict, List, str]] = None,
+        status_code: int = 200,
+        error: Optional[Union[Dict, str]] = None,
     ) -> Dict[str, Any]:
+        """
+        Build a standardized JSON response.
+
+        Args:
+            status (bool): Indicates whether the request was successful.
+            message (str): A message describing the result of the request.
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            status_code (int): The HTTP status code for the response.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
         response = {
-            "resultCode": result_code,
-            "resultDescription": result_description
+            "status": status,
+            "statusCode": status_code,
+            "message": message,
+            "data": data if data is not None else {},
+            "error": error if error is not None else {},
         }
-
-        if isinstance(data, dict):
-            response.update(data)
-
-        return jsonify(response)
+        return jsonify(response), status_code
 
     @staticmethod
     def success(
-        result_description: str = "Successful",
-        result_code: str = "00",
-        data: Optional[Dict[str, Any]] = None
+        data: Optional[Union[Dict, List, str]] = None,
+        message: str = "Successful",
+        status_code: int = 200,
+        error: Optional[Union[Dict, str]] = None,
     ) -> Dict[str, Any]:
-        return ResponseHelper.build_response(result_code, result_description, data)
+        """
+        Return a success response.
+
+        Args:
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            message (str): A message describing the result of the request.
+            status_code (int): The HTTP status code for the response.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(True, message, data, status_code, error)
 
     @staticmethod
     def error(
-        result_description: str = "An error occurred",
-        result_code: str = "01",
-        data: Optional[Dict[str, Any]] = None
+        message: str = "An error occurred",
+        status_code: int = 400,
+        data: Optional[Union[Dict, List, str]] = None,
+        error: Optional[Union[Dict, str]] = None,
     ) -> Dict[str, Any]:
-        return ResponseHelper.build_response(result_code, result_description, data)
+        """
+        Return an error response.
+
+        Args:
+            message (str): A message describing the error.
+            status_code (int): The HTTP status code for the response.
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(False, message, data, status_code, error)
 
     @staticmethod
     def created(
-        result_description: str = "Resource created successfully",
-        result_code: str = "00",
-        data: Optional[Dict[str, Any]] = None
+        data: Optional[Union[Dict, List, str]] = None,
+        message: str = "Resource created successfully",
+        error: Optional[Union[Dict, str]] = None,
     ) -> Dict[str, Any]:
-        return ResponseHelper.build_response(result_code, result_description, data)
+        """
+        Return a response for a created resource.
+
+        Args:
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            message (str): A message describing the result of the request.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(True, message, data, 201, error)
 
     @staticmethod
     def updated(
-        result_description: str = "Resource updated successfully",
-        result_code: str = "00",
-        data: Optional[Dict[str, Any]] = None
+        data: Optional[Union[Dict, List, str]] = None,
+        message: str = "Resource updated successfully",
+        error: Optional[Union[Dict, str]] = None,
     ) -> Dict[str, Any]:
-        return ResponseHelper.build_response(result_code, result_description, data)
+        """
+        Return a response for an updated resource.
+
+        Args:
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            message (str): A message describing the result of the request.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(True, message, data, 200, error)
 
     @staticmethod
     def internal_server_error(
-        result_description: str = "Internal Server Error",
-        result_code: str = "500",
-        data: Optional[Dict[str, Any]] = None
+        message: str = "Internal Server Error",
+        data: Optional[Union[Dict, List, str]] = None,
+        error: Optional[Union[Dict, str]] = None,
     ) -> Dict[str, Any]:
-        return ResponseHelper.build_response(result_code, result_description, data)
+        """
+        Return a response for an internal server error.
+
+        Args:
+            message (str): A message describing the error.
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(False, message, data, 500, error)
 
     @staticmethod
     def unauthorized(
-        result_description: str = "Unauthorized",
-        result_code: str = "401",
-        data: Optional[Dict[str, Any]] = None
+        message: str = "Unauthorized",
+        data: Optional[Union[Dict, List, str]] = None,
+        error: Optional[Union[Dict, str]] = None,
     ) -> Dict[str, Any]:
-        return ResponseHelper.build_response(result_code, result_description, data)
+        """
+        Return a response for an unauthorized request.
+
+        Args:
+            message (str): A message describing the error.
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(False, message, data, 401, error)
 
     @staticmethod
     def forbidden(
-        result_description: str = "Forbidden",
-        result_code: str = "403",
-        data: Optional[Dict[str, Any]] = None
+        message: str = "Forbidden",
+        data: Optional[Union[Dict, List, str]] = None,
+        error: Optional[Union[Dict, str]] = None,
     ) -> Dict[str, Any]:
-        return ResponseHelper.build_response(result_code, result_description, data)
+        """
+        Return a response for a forbidden request.
+
+        Args:
+            message (str): A message describing the error.
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(False, message, data, 403, error)
 
     @staticmethod
     def not_found(
-        result_description: str = "Resource not found",
-        result_code: str = "404",
-        data: Optional[Dict[str, Any]] = None
+        message: str = "Resource not found",
+        data: Optional[Union[Dict, List, str]] = None,
+        error: Optional[Union[Dict, str]] = None,
     ) -> Dict[str, Any]:
-        return ResponseHelper.build_response(result_code, result_description, data)
+        """
+        Return a response for a not found resource.
+
+        Args:
+            message (str): A message describing the error.
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(False, message, data, 404, error)
 
     @staticmethod
     def unprocessable_entity(
-        result_description: str = "Unprocessable entity",
-        result_code: str = "422",
-        data: Optional[Dict[str, Any]] = None
+        message: str = "Unprocessable entity",
+        data: Optional[Union[Dict, List, str]] = None,
+        error: Optional[Union[Dict, str]] = None,
     ) -> Dict[str, Any]:
-        return ResponseHelper.build_response(result_code, result_description, data)
+        """
+        Return a response for an unprocessable entity.
 
+        Args:
+            message (str): A message describing the error.
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(False, message, data, 422, error)
+    
     @staticmethod
     def method_not_allowed(
-        result_description: str = "Method Not Allowed",
-        result_code: str = "405",
-        data: Optional[Dict[str, Any]] = None
+        message: str = "Method Not Allowed",
+        data: Optional[Union[Dict, List, str]] = None,
+        error: Optional[Union[Dict, str]] = None,
     ) -> Dict[str, Any]:
-        return ResponseHelper.build_response(result_code, result_description, data)
+        """
+        Return a response for a method not allowed error.
 
+        Args:
+            message (str): A message describing the error.
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(False, message, data, 405, error)
+    
     @staticmethod
     def bad_request(
-        result_description: str = "Bad Request",
-        result_code: str = "400",
-        data: Optional[Dict[str, Any]] = None
+        message: str = "Bad Request",
+        data: Optional[Union[Dict, List, str]] = None,
+        error: Optional[Union[Dict, str]] = None,
     ) -> Dict[str, Any]:
-        return ResponseHelper.build_response(result_code, result_description, data)
+        """
+        Return a response for a bad request error.
+
+        Args:
+            message (str): A message describing the error.
+            data (Optional[Union[Dict, List, str]]): The data to return in the response.
+            error (Optional[Union[Dict, str]]): Any error details to include in the response.
+
+        Returns:
+            Dict[str, Any]: A dictionary representing the JSON response.
+        """
+        return ResponseHelper.build_response(False, message, data, 400, error)

app/api/integrations/__init__.py

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

app/api/integrations/events_service.py

@@ -1,69 +0,0 @@
-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

@@ -1,90 +1,49 @@
-from os import access
 import httpx
-import time
+import json
 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):
         """
         Calls the RACCheck endpoit
         """
-        url = f"{SimbrellaIntegration.BASE_URL}/{SimbrellaIntegration.ENDPOINT_RAC_CHECKS}"
-        logger.info(f"Contacting Rack Checks EndPoint: {str(url)}", exc_info=True)
+        url = f"{SimbrellaIntegration.BASE_URL}/RACCheck"
 
         payload = {
             "customerId": customer_id,
             "accountId": account_id,
             "transactionId": str(transaction_id),
-            "fbnTransactionId": str(transaction_id),
-            "countryCode": "NG",
-            "channel": "USSD"
+            "fbnTransactionId": f"FBN{transaction_id}",
+            "RAC_Array": [
+                "SalaryAccount",
+                "BVN",
+                "BVNAttachedtoAccount",
+                "CRC",
+                "CRMS",
+                "AccountStatus",
+                "Lien",
+                "NoBouncedCheck",
+                "Whitelist",
+                "NoPastDueSalaryLoan",
+                "NoPastDueOtherLoan",
+            ],
+        }
+
+        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-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)
@@ -94,27 +53,4 @@ 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 +1,3 @@
-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,
@@ -21,9 +19,6 @@ 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__)
@@ -93,7 +88,6 @@ 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
@@ -118,77 +112,11 @@ def notification_callback():
     response = NotificationCallbackService.process_request(data)
     return response
 
+
 # Health Check Endpoint
 @api.route("/health", methods=["GET"])
 def health_check():
-    SQLALCHEMY_DATABASE_URI = settings.SQLALCHEMY_DATABASE_URI
-    response = {}
-    db_status = "Connection Successful"
-    events_service_status = "Connection Successful"
-    bank_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 table_name FROM user_tables ORDER BY table_name"))
-    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 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
-    }
-
-
-    return jsonify(response), 200 if status == "ok" else 500
+    return {"status": "ok"}, 200
 
 
 # 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)
-    loanRef = fields.Str(required=True)
-    initiatedBy = fields.Str(required=False)
+    channel = fields.Str(required=True)

app/api/services/authorization.py

@@ -34,7 +34,7 @@ class AuthorizationService(BaseService):
             logger.info("Processing Authorization request")
 
             if not data:
-                return ResponseHelper.bad_request(result_description="Missing JSON in request")
+                return ResponseHelper.bad_request(message="Missing JSON in request")
 
             # Validate input data using the Authorization schema
             schema = AuthorizeRequestSchema()
@@ -44,7 +44,7 @@ class AuthorizationService(BaseService):
                 validated_data["username"] != USERNAME
                 or validated_data["password"] != PASSWORD
             ):
-                return ResponseHelper.unauthorized(result_description="Invalid credentials")
+                return ResponseHelper.unauthorized(message="Invalid credentials")
 
             access_token = create_access_token(identity=validated_data["username"])
             refresh_token = create_refresh_token(identity=validated_data["username"])
@@ -56,17 +56,17 @@ class AuthorizationService(BaseService):
             }
 
             return ResponseHelper.success(
-                data={"data": response_data}, result_description="Authorization processed successfully"
+                data=response_data, message="Authorization processed successfully"
             )
 
         except ValidationError as e:
             logger.error(f"Validation error: {e}")
-            return ResponseHelper.bad_request(result_description=f"Validation error: {e}")
+            return ResponseHelper.bad_request(message=f"Validation error: {e}")
 
         except Exception as e:
             logger.error(f"Error processing Authorization request: {e}")
             return ResponseHelper.internal_server_error(
-                result_description=f"Error processing Authorization request: {e}"
+                message=f"Error processing Authorization request: {e}"
             )
 
     @staticmethod
@@ -92,11 +92,11 @@ class AuthorizationService(BaseService):
             }
 
             return ResponseHelper.success(
-                data={"data": response_data}, result_description="RefreshToken processed successfully"
+                data=response_data, message="RefreshToken processed successfully"
             )
 
         except Exception as e:
             logger.error(f"Error processing RefreshToken request: {e}")
             return ResponseHelper.internal_server_error(
-                result_description=f"Error processing RefreshToken request: {e}"
+                message=f"Error processing RefreshToken request: {e}"
             )

app/api/services/base_service.py

@@ -4,7 +4,6 @@ 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__)
 
@@ -49,14 +48,12 @@ 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 = channel,
+            channel = validated_data.get("channel"),
         )
     
     @classmethod
@@ -174,6 +171,3 @@ 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/customer_consent.py

@@ -1,5 +1,4 @@
 from flask import request, jsonify
-from app.api.helpers.response_helper import ResponseHelper
 from app.api.services.base_service import BaseService
 from marshmallow import ValidationError
 from app.utils.logger import logger
@@ -35,26 +34,44 @@ class CustomerConsentService(BaseService):
 
                     if not transaction:
                         logger.error(f"Failed to log transaction")
-                        return ResponseHelper.error(result_description="Failed to log transaction.")
+                        return jsonify({
+                            "message": "Failed to log transaction."
+                        }), 400
                 else:  
-                    return ResponseHelper.error(result_description="Invalid Customer or Account")
+                    return jsonify({
+                            "message": "Invalid Customer or Account"
+                        }), 400
 
+                    
+                # Simulated processing logic
+                response_data = {
+                    "resultCode": "00",
+                    "resultDescription": "Request is received"
+                }
 
                 db.session.commit()
-                return ResponseHelper.success(result_description="Request is received")
+                return response_data
             
         except ValidationError as err:
 
             logger.error(f"Validation Error: {getattr(err, 'messages', str(err))}")
             db.session.rollback()
-            return ResponseHelper.unprocessable_entity(result_description="Validation exception")
+
+            return jsonify({
+                "message": "Validation exception"
+                }) , 422
         
         except  ValueError as err:
             logger.error(f"{getattr(err, 'messages', str(err))}")
             db.session.rollback()
-            return ResponseHelper.error(result_description=str(err))
+
+            return jsonify({
+                "message": str(err)
+                }) , 400
 
         except Exception as e:
             logger.error(f"An error occurred: {str(e)}", exc_info=True)
             db.session.rollback()
-            return ResponseHelper.internal_server_error()
+            return jsonify({
+                "message": "Internal Server Error"
+                }) , 500

app/api/services/eligibility_check.py

@@ -1,5 +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
 from app.api.schemas.eligibility_check import EligibilityCheckSchema
@@ -8,9 +8,6 @@ from app.api.enums import TransactionType
 from app.api.integrations import SimbrellaIntegration
 from app.extensions import db
 from app.models import Offer, RACCheck
-from app.api.services.offer_analysis import OfferAnalysis
-from app.api.helpers.response_helper import ResponseHelper
-
 import random
 
 
@@ -45,24 +42,16 @@ class EligibilityCheckService(BaseService):
 
                     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")
+                        return jsonify({
+                            "message": "Failed to log transaction."
+                        }), 400
+                        
+                else: 
+                    return jsonify({
+                            "message": "Invalid Customer or Account"
+                        }), 400
                 
                 db.session.flush()
-
-                # Determine if there is any loan of 3MPC active
-                current_loan  =  EligibilityCheckService.get_current_active_loans_by_account_id(account_id = account_id)
-                if current_loan:
-                    logger.info(f"Account {current_loan.account_id} has active loan {current_loan}")
-                    if current_loan.product_id =='3MPC':
-                        return ResponseHelper.error(result_description="Max loan count for 3MPC reached")
-
-                # 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(
@@ -71,81 +60,57 @@ class EligibilityCheckService(BaseService):
                     transaction_id = transaction.transaction_id,
                 )
 
-                # this chek for error is not valid
+                # this chck for error is not valid
                 if response.status_code != 200:
-                    return ResponseHelper.error(result_description="RACCheck failed")
+                   return jsonify({"message": "RACCheck failed"}), 400
                 
                 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 = rack_checks_response
+                    data = response['RACResponse']
                     )
-
+                
                 if not rac_check:
-                    logger.error(f"Failed to save RACCheck")
-                    return ResponseHelper.error(result_description="Failed to save RACCheck.")
+                        logger.error(f"Failed to save RACCheck")
+                        return jsonify({
+                            "message": "Failed to save RACCheck."
+                        }), 400
 
-                # -----------------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,
-                        rack_checks_response =rack_checks_response
+                offers = Offer.get_all_offers()
+
+                eligible_offers = []
+
+                for offer in offers:
+                    # Determine an approved amount
+                    random_float = random.random() # temporary to play data
+                    approved_amount = min(offer.max_amount, offer.max_amount * random_float) #temporary for now
+                    approved_amount = round(approved_amount, 2)
+
+                    transaction_offer = TransactionOffer.create_transaction_offer(
+                        customer_id = customer.id,
+                        transaction_id = transaction.transaction_id,
+                        offer_id = offer.id,
+                        min_amount = offer.min_amount,
+                        max_amount = offer.max_amount,
+                        eligible_amount = approved_amount,
+                        product_id = offer.product_id,
+                        tenor = offer.tenor
                     )
-                except ValueError as ve:
-                    logger.error(str(ve))
-                    return ResponseHelper.error(result_description= str(ve))
-# -----------------------------------------------------------------------
-#                 s = Offer.get_all_offers()
 
-                # eligible_offers = []
+                    # Visible offer ID: offer_id + padded(transaction_offer.id)
+                    padded_id = str(transaction_offer.id).zfill(6) 
+                    public_offer_id = f"{offer.id}{padded_id}"
 
-                # for offer in offers:
-                #     # Determine an approved amount
-                #     random_float = random.random() # temporary to play data
-                #     approved_amount = min(offer.max_amount, offer.max_amount * random_float) #temporary for now
-                #     approved_amount = round(approved_amount, 2)
-                #
-                #     transaction_offer = TransactionOffer.create_transaction_offer(
-                #         customer_id = customer.id,
-                #         transaction_id = transaction.transaction_id,
-                #         offer_id = offer.id,
-                #         min_amount = offer.min_amount,
-                #         max_amount = offer.max_amount,
-                #         eligible_amount = approved_amount,
-                #         product_id = offer.product_id,
-                #         tenor = offer.tenor
-                #     )
-                #
-                #     # Visible offer ID: offer_id + padded(transaction_offer.id)
-                #     padded_id = str(transaction_offer.id).zfill(6)
-                #     public_offer_id = f"{offer.id}{padded_id}"
-                #
-                #     eligible_offers.append({
-                #         "offerId": public_offer_id,
-                #         "product_id": offer.product_id,
-                #         "min_amount": offer.min_amount,
-                #         "max_amount": approved_amount,
-                #         "tenor": offer.tenor
-                #     })
+                    eligible_offers.append({
+                        "offerId": public_offer_id,
+                        "product_id": offer.product_id,
+                        "min_amount": offer.min_amount,
+                        "max_amount": approved_amount,
+                        "tenor": offer.tenor
+                    })
 
                 # Simulate processing
                 response_data = {
@@ -154,57 +119,30 @@ class EligibilityCheckService(BaseService):
                     "countryCode": "NG",
                     "msisdn": msisdn,
                     "eligibleOffers": eligible_offers,
+                    "resultDescription": "Successful",
+                    "resultCode": "00",
                     "accountId": account_id
                     }
 
-                return ResponseHelper.success(data=response_data)
+                return response_data
         
         except ValidationError as err:
 
             logger.error(f"Validation Error: {getattr(err, 'messages', str(err))}")
-            db.session.rollback()
-            return ResponseHelper.unprocessable_entity(result_description="Validation exception")
+
+            return jsonify({
+                "message": "Validation exception"
+                }) , 422
         
         except  ValueError as err:
             logger.error(f"{getattr(err, 'messages', str(err))}")
-            db.session.rollback()
-            return ResponseHelper.error(result_description=str(err))
+
+            return jsonify({
+                "message": str(err)
+                }) , 400
 
         except Exception as e:
             logger.error(f"An error occurred: {str(e)}", exc_info=True)
-            db.session.rollback()
-            return ResponseHelper.internal_server_error()
-
-    @staticmethod
-    def get_current_active_loans_by_account_id(account_id):
-        current_loan  = Loan.get_current_active_loans_by_account_id(account_id)
-        return current_loan
-
-
-    @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
+            return jsonify({
+                "message": "Internal Server Error"
+                }) , 500

app/api/services/loan_status.py

@@ -3,15 +3,14 @@ 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.extensions import db
-from app.api.helpers.response_helper import ResponseHelper
+from app.api.enums import TransactionType   
+from app.extensions import db  
 
 
 class LoanStatusService(BaseService):
-    TRANSACTION_TYPE = TransactionType.LOAN_STATUS
+    TRANSACTION_TYPE = TransactionType.LOAN_STATUS 
 
     @staticmethod
     def process_request(data):
@@ -27,88 +26,83 @@ 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")
 
-                logger.info(f"Looking for customer *** {customer_id}")
-                customer = Customer.get_customer_with_loan_list(customer_id)
+                customer_id =  validated_data.get('customerId')
+                customer = Customer.get_customer(customer_id)
+                transactionId = validated_data.get('transactionId')
+                account_id = validated_data.get('accountId')
 
-                transactionId = validated_data.get("transactionId")
-                account_id = validated_data.get("accountId")
+                if(LoanStatusService.validate_account_ownership(account_id = account_id, customer_id = customer_id)):
 
-                if LoanStatusService.validate_account_ownership(
-                    account_id=account_id, customer_id=customer_id
-                ):
                     # Get loans
-                    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]
-                    ]
+                    loans = [loan.to_dict() for loan in customer.loans if loan.status == LoanStatus.ACTIVE]
+
+                    transaction = LoanStatusService.log_transaction(validated_data = validated_data)
 
-                    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"
-                    )
+                        return jsonify({
+                            "message": "Failed to log transaction."
+                        }), 400
+                else: 
+                    return jsonify({
+                            "message": "Invalid Customer or Account"
+                        }), 400
+        
+
+                # 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"
+                #     }
+                # ]
 
-                # 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
+                    loan.get("currentLoanAmount") or 0
+                    for loan in loans
+                    )
 
                 # Simulated processing logic
                 response_data = {
                     "customerId": customer_id,
-                    "accountId": account_id,
                     "transactionId": transactionId,
                     "loans": loans,
                     "totalDebtAmount": total_debt_amount,
-                    "summary": {
-                        "totalSettledAmount": total_settled_amount,
-                        "totalOutstandingAmount": total_outstanding_amount,
-                        "totalActiveLoanAmount": total_active_loan_amount,
-                    }
+                    "resultCode": "00",
+                    "resultDescription": "Successful"
                 }
 
                 db.session.commit()
-                return ResponseHelper.success(data=response_data)
+                return response_data
 
         except ValidationError as err:
 
             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 jsonify({
+                "message": "Validation exception"
+                }) , 422
+        
+        except  ValueError as err:
             logger.error(f"{getattr(err, 'messages', str(err))}")
             db.session.rollback()
-            return ResponseHelper.error(result_description=str(err))
+
+            return jsonify({
+                "message": str(err)
+                }) , 400
 
         except Exception as e:
             logger.error(f"An error occurred: {str(e)}", exc_info=True)
             db.session.rollback()
-            return ResponseHelper.internal_server_error()
+            return jsonify({
+                "message": "Internal Server Error"
+                }) , 500

app/api/services/notification_callback.py

@@ -5,7 +5,6 @@ from app.api.enums import TransactionType
 from app.utils.logger import logger
 from app.api.schemas.notification_callback import NotificationCallbackSchema
 from app.extensions import db
-from app.api.helpers.response_helper import ResponseHelper
 
 class NotificationCallbackService(BaseService):
     TRANSACTION_TYPE = TransactionType.NOTIFICATION_CALLBACK 
@@ -28,20 +27,37 @@ class NotificationCallbackService(BaseService):
             schema = NotificationCallbackSchema()
             validated_data = schema.load(data)  # Raises ValidationError if invalid
 
-            return ResponseHelper.success()
+            # Simulated processing logic
+            response_data = {
+                "resultCode": "00",
+                "resultDescription": "Successful"
+            }
+
+
+            # return ResponseHelper.success(
+            #     data=response_data,
+            #     message="Notification callback processed successfully"
+            # )
+
+            return response_data
 
         except ValidationError as err:
 
             logger.error(f"Validation Error: {getattr(err, 'messages', str(err))}")
-            db.session.rollback()
-            return ResponseHelper.unprocessable_entity(result_description="Validation exception")
+
+            return jsonify({
+                "message": "Validation exception"
+                }) , 422
         
         except  ValueError as err:
             logger.error(f"{getattr(err, 'messages', str(err))}")
-            db.session.rollback()
-            return ResponseHelper.error(result_description=str(err))
+
+            return jsonify({
+                "message": str(err)
+                }) , 400
 
         except Exception as e:
             logger.error(f"An error occurred: {str(e)}", exc_info=True)
-            db.session.rollback()
-            return ResponseHelper.internal_server_error()
+            return jsonify({
+                "message": "Internal Server Error"
+                }) , 500

app/api/services/offer_analysis.py

@@ -1,15 +1,7 @@
-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:
@@ -38,226 +30,8 @@ class OfferAnalysis:
         if not offer:
             raise ValueError("Invalid Offer.")
         original_transaction =  transaction_id
+        # we can now find the origin transactions
+        customer_loan = Loan.get_customer_current_active_loan(customer_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, rack_checks_response):
-        eligible_offers = []
-        # if we have active offers - we have to feed off it
-        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}")
-
-        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}")
-            original_loan  = Loan.get_customer_original_loan(customer_id, original_transaction)
-            if original_loan is not None:
-                logger.info(f"original_loan === > {original_loan}")
-                logger.info(f"loan_offer_id === > {original_loan.offer_id}")
-
-                original_offer_id = str(original_loan.offer_id[:5])  # The last part is str
-                transaction_offer_id = int(original_loan.offer_id[5:])  # The last part is int
-                original_transaction_offer = TransactionOffer.is_valid_transaction_offer(transaction_offer_id, customer_id, original_loan.product_id)
-
-                active_loans = Loan.get_active_loans_by_original_transaction(original_transaction)
-                sum_active_loans = sum(loan.current_loan_amount for loan in active_loans)
-                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 - Minimum amount not met.")
-
-                # 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,
-                    original_transaction=original_transaction,
-                    offer_id=original_offer_id,
-                    min_amount=original_transaction_offer.min_amount,
-                    max_amount=original_transaction_offer.max_amount,
-                    eligible_amount=real_eligible_amount,
-                    product_id=original_loan.product_id,
-                    tenor=original_loan.tenor
-                )
-
-                # Visible offer ID: offer_id + padded(transaction_offer.id)
-                padded_id = str(transaction_offer.id).zfill(6)
-                public_offer_id = f"{original_offer_id}{padded_id}"
-
-                eligible_offers.append({
-                    "offerId": public_offer_id,
-                    "product_id": original_transaction_offer.product_id,
-                    "min_amount": original_transaction_offer.min_amount,
-                    "max_amount": round(real_eligible_amount, 2),
-                    "tenor": original_loan.tenor
-                })
-                return eligible_offers
-
-
-        offers = Offer.get_all_offers()
-
-
-        for offer in offers:
-           
-            new_eligible_amount = OfferAnalysis._analyze_rack_checks(rack_checks_response, offer)
-
-
-            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}).")
-                    continue
-                    # 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,
-                original_transaction=transaction_id,
-                offer_id=offer.id,
-                min_amount=offer.min_amount,
-                max_amount=offer.max_amount,
-                eligible_amount=approved_amount,
-                product_id=offer.product_id,
-                tenor=offer.tenor
-            )
-
-            # Visible offer ID: offer_id + padded(transaction_offer.id)
-            padded_id = str(transaction_offer.id).zfill(6)
-            public_offer_id = f"{offer.id}{padded_id}"
-
-            eligible_offers.append({
-                "offerId": public_offer_id,
-                "product_id": offer.product_id,
-                "min_amount": offer.min_amount,
-                "max_amount": approved_amount,
-                "tenor": offer.tenor
-            })
-
-        if not eligible_offers:
-            logger.error("No eligible offers found for customer: {customer_id} - Minimum amount not met")
-            raise ValueError("You are not eligible for a loan at this time - Minimum amount not met")
-
-        return eligible_offers

app/api/services/provide_loan.py

@@ -1,4 +1,3 @@
-from gettext import install
 from flask import request, jsonify
 from marshmallow import ValidationError
 from app.api.integrations.kafka import KafkaIntegration
@@ -12,12 +11,10 @@ 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, timedelta
+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
 
 class ProvideLoanService(BaseService):
     TRANSACTION_TYPE = TransactionType.PROVIDE_LOAN 
@@ -45,7 +42,6 @@ class ProvideLoanService(BaseService):
                 offer_id = validated_data.get('offerId')
                 amount = validated_data.get("requestedAmount")
                 product_id = validated_data.get("productId")
-                channel = validated_data.get('channel')
 
                 customer = Customer.is_valid_customer(customer_id)
 
@@ -61,14 +57,9 @@ 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.")
-
+                        return jsonify({
+                            "message": str(ve)
+                        }), 400
                     
                     # transaction_offer_id =  int(offer_id[5:]) # The last part is int
 
@@ -95,7 +86,9 @@ class ProvideLoanService(BaseService):
 
                     if not transaction:
                         logger.error(f"Failed to log transaction")
-                        return ResponseHelper.error(result_description="Failed to log transaction.")
+                        return jsonify({
+                            "message": "Failed to log transaction."
+                        }), 400
                     
 
                     db.session.flush()
@@ -114,8 +107,6 @@ 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
@@ -126,7 +117,7 @@ class ProvideLoanService(BaseService):
                         product_id = offer.product_id,
                         collection_type = collection_type,
                         transaction_id = validated_data.get('transactionId'),
-                        original_transaction = transaction_offer.original_transaction,
+                        original_transaction = validated_data.get('transactionId'),
                         initial_loan_amount = validated_data.get('requestedAmount'),
                         upfront_fee = upfront_fee,
                         repayment_amount = repayment_amount,
@@ -134,157 +125,81 @@ class ProvideLoanService(BaseService):
                         eligible_amount=eligible_amount,
                         status = LoanStatus.ACTIVE,
                         tenor = offer.tenor,
-                        reference = loan_ref
+
                     )
 
                     if not loan:
                         logger.error(f"Failed to save loan details")
-                        
-                        return ResponseHelper.error(result_description="Failed to save loan details.")
+                        return jsonify({
+                            "message": "Failed to save loan details."
+                        }), 400
 
                     db.session.flush()
-                    current_product_id = offer.product_id
-                    schedules = LoanRepaymentSchedule.add_repayment_schedule(loan = loan, num_schedules = num_schedules, transaction_id = transaction_id)
+
+                    schedule = LoanRepaymentSchedule.add_repayment_schedule(loan = loan, num_schedules = num_schedules, transaction_id = transaction_id)
 
 
-                    if not schedules:
+                    if not schedule:
                         logger.error(f"Failed to create repayment schedule for loan ID {loan.id}")
-                        return ResponseHelper.error(result_description="Failed to generate loan repayment schedule.")
+                        return jsonify({
+                            "message": "Failed to generate loan repayment schedule."
+                        }), 400
 
                     # charges = Charge.get_offer_charges(offer.id)
 
-                    # logger.info(f"{charges}")
+                    logger.info(f"{charges}")
                     
                     loan_id = loan.id
 
                     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")
+                    return jsonify({
+                            "message": "Invalid Customer or Account"
+                        }), 400
+            
             
-
-                charge_schedule_items = ProvideLoanService.get_charge_schedule_items(
-                    loan_charges=loan_charges,
-                    offer=offer,
-                    loan_ref=loan_ref,
-                    amount=amount,
-                    schedules=schedules
-                    )
-               
                 response_data = {
                     "requestId": request_id,
                     "transactionId": transaction_id,
-                    "loanRef": loan_ref,
                     "customerId": customer_id,
                     "accountId": account_id,
                     "msisdn": customer.msisdn,
-                    "schedule": charge_schedule_items,
+                    "resultCode": "00",
+                    "resultDescription": "Successful"
                     }
-                
 
-                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
-                kafka_thread = Thread(target=ProvideLoanService.async_send_to_kafka, args=(response_data, request_id, "PROCESS_PAYMENT"))
-                kafka_thread.start()
+                thread = Thread(target=ProvideLoanService.async_send_to_kafka, args=(response_data, request_id, "PROCESS_PAYMENT"))
+                thread.start()
 
                 db.session.commit()
-                return ResponseHelper.success(data=response_data)
+                return response_data
 
         except ValidationError as err:
 
             logger.error(f"Validation Error: {getattr(err, 'messages', str(err))}")
-            db.session.rollback()
-            return ResponseHelper.unprocessable_entity(result_description="Validation exception")
+            db.session.rollback() 
+
+            return jsonify({
+                "message": "Validation exception"
+                }) , 422
         
         except  ValueError as err:
             logger.error(f"{getattr(err, 'messages', str(err))}")
-            db.session.rollback()
-            return ResponseHelper.error(result_description=str(err))
+            db.session.rollback() 
+
+            return jsonify({
+                "message": str(err)
+                }) , 400
 
         except Exception as e:
             logger.error(f"An error occurred: {str(e)}", exc_info=True)
-            db.session.rollback()
-            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, schedules):
-        now = datetime.now(timezone.utc)
-        due_date = now + timedelta(days=offer.tenor)
-        id_counter = 1
-
-        charge_schedule_items = []
-        
-        charge_schedule_items.append({
-                "id": id_counter,
-                "dueDate": due_date.isoformat(),
-                "amountDue": amount,
-                "componentName": "PRINCIPAL",
-                "startDate": now.isoformat(),
-        })
-
-        interest_amount = 0.0
-
-        for charge in loan_charges:
-
-            code = charge.code.upper()
-
-            if code == "INTEREST":
-                interest_amount = float(charge.amount)
-                continue 
-
-
-            item = {
-                "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(),
-            }
-
-            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
-
-
+            db.session.rollback() 
+            return jsonify({
+                "message": "Internal Server Error"
+                }) , 500

app/api/services/repayment.py

@@ -1,7 +1,6 @@
 from flask import request, jsonify
 from marshmallow import ValidationError
 from app.api.enums.loan_status import LoanStatus
-from app.api.helpers.response_helper import ResponseHelper
 from app.models import Repayment
 from app.models.customer import Customer
 from app.models.loan import Loan
@@ -11,7 +10,6 @@ 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 
@@ -30,85 +28,91 @@ 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')
-                loan_ref = validated_data.get('loanRef')
-                # customer = Customer.get_customer_with_loan_list(customer_id)
+                customer = Customer.get_customer(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 = loan,
-                        transaction_id = transaction_id
+                        loan_id = loan_id,
+                        product_id = product_id,
+                        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.")
-
+                        return jsonify({
+                            "message": "Failed to save repayment details."
+                        }), 400
+                
+                    
                     #Update Loan status
-                    Loan.update_status(loan_id = loan_id, status = LoanStatus.START_REPAY) # repay started by user
+                    Loan.update_status(loan_id = loan_id, status = LoanStatus.REPAID)
+                    
                     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:
-                    logger.error(f"Invalid Customer or AccountID {account_id} to CustomerID{customer_id} ")
-                    return ResponseHelper.error(result_description="Invalid Customer or Account")
+                        return jsonify({
+                            "message": "Failed to log transaction."
+                        }), 400   
+                else: 
+                    return jsonify({
+                            "message": "Invalid Customer or Account"
+                        }), 400
+        
+
 
                 # 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": loan.product_id,
-                    "loanRef": loan_ref,
-                    "debtId": loan_id
+                    "productId": product_id,
+                    "debtId": loan_id,
+                    "resultCode": "00",
+                    "resultDescription": "Successful"
                 }
 
-                event_thread = Thread(target=RepaymentService.trigger_loan_repayment, args=(transaction_id,))
-                event_thread.start()
+                # return ResponseHelper.success(
+                #     data=response_data,
+                #     message="Repayment processed successfully"
+                # )
 
                 # Call Kafka in a background thread
-                kafka_thread = Thread(target=RepaymentService.async_send_to_kafka, args=(response_data, request_id, "LOAN_REPAYMENT"))
-                kafka_thread.start()
+                thread = Thread(target=RepaymentService.async_send_to_kafka, args=(response_data, request_id, "LOAN_REPAYMENT"))
+                thread.start()
 
                 db.session.commit()
-                return ResponseHelper.success(data=response_data)
+                return response_data
 
         except ValidationError as err:
 
             logger.error(f"Validation Error: {getattr(err, 'messages', str(err))}")
-            db.session.rollback()
-            return ResponseHelper.unprocessable_entity(result_description="Validation exception")
+            db.session.rollback() 
+
+            return jsonify({
+                "message": "Validation exception"
+                }) , 422
         
         except  ValueError as err:
             logger.error(f"{getattr(err, 'messages', str(err))}")
-            db.session.rollback()
-            return ResponseHelper.error(result_description=str(err))
+            db.session.rollback() 
+
+            return jsonify({
+                "message": str(err)
+                }) , 400
 
         except Exception as e:
             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
-    
+            db.session.rollback() 
+            return jsonify({
+                "message": "Internal Server Error"
+                }) , 500

app/api/services/select_offer.py

@@ -1,9 +1,7 @@
 from flask import request, jsonify
 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
@@ -37,11 +35,10 @@ class SelectOfferService(BaseService):
                 transaction_offer_id = validated_data.get("offerId")
                 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",
 
                 if SelectOfferService.validate_account_ownership(
                     account_id=account_id, customer_id=customer_id
@@ -52,30 +49,15 @@ class SelectOfferService(BaseService):
 
                     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")
+                        return jsonify({"message": "Failed to log transaction."}), 400
+                else:
+                    return jsonify({"message": "Invalid Customer or Account"}), 400
 
                 # 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"]
@@ -109,7 +91,7 @@ class SelectOfferService(BaseService):
                         "amount": amount,
                         "upfrontPayment": upfront_payment,
                         "interestRate": offer.interest_rate,
-                        "interestFee": interest_amount,
+                        "interestAmount": interest_amount,
                         "managementRate": offer.management_rate,
                         "managementFee": management["fee"],
                         "insuranceRate": offer.insurance_rate,
@@ -146,24 +128,26 @@ class SelectOfferService(BaseService):
                     "customerId": customer_id,
                     "accountId": account_id,
                     "loan": offers,
+                    "resultCode": "00",
+                    "resultDescription": "Successful",
                 }
 
                 db.session.commit()
-                return ResponseHelper.success(data=response_data)
+                return response_data
 
         except ValidationError as err:
 
             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:
+            db.session.rollback() 
+            return jsonify({"message": "Validation exception"}), 422
+
+        except ValueError as err:
             logger.error(f"{getattr(err, 'messages', str(err))}")
-            db.session.rollback()
-            return ResponseHelper.error(result_description=str(err))
+            db.session.rollback() 
+            return jsonify({"message": str(err)}), 400
 
         except Exception as e:
             logger.error(f"An error occurred: {str(e)}", exc_info=True)
-            db.session.rollback()
-            return ResponseHelper.internal_server_error()
+            db.session.rollback() 
+            return jsonify({"message": "Internal Server Error"}), 500
         

app/config.py

@@ -1,6 +1,7 @@
 import os
 from datetime import timedelta
 
+
 class Config:
     """Base configuration for Flask app"""
 
@@ -8,28 +9,20 @@ 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", "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'
+    DATABASE_NAME = os.environ.get("DATABASE_NAME")
 
+    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")
@@ -41,73 +34,5 @@ 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")
-    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")
-
-
-    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/errors/handlers.py

@@ -5,20 +5,20 @@ from app.api.helpers.response_helper import ResponseHelper
 def register_error_handlers(app):
     @app.errorhandler(HTTPException)
     def handle_http_exception(e):
-        return ResponseHelper.error(result_description=e.description, result_code=e.code )
+        return jsonify({'error': e.description}), e.code
     
     @app.errorhandler(405)
     def method_not_allowed(error):
-        return ResponseHelper.method_not_allowed()
+        return jsonify({"message": "Method Not Allowed"}), 405
 
     @app.errorhandler(404)
     def not_found(error):
-        return ResponseHelper.not_found()
+        return jsonify({"message": "Resource not found"}), 404
 
     @app.errorhandler(400)
     def bad_request(error):
-        return ResponseHelper.bad_request()
+        return jsonify({"message": "Bad Request"}), 400
 
     @app.errorhandler(415)
     def unsupported_media_type(error):
-        return ResponseHelper.error(result_description="Unsupported Media Type", result_code="415")
+        return jsonify({"message": "Unsupported Media Type"}), 415

app/extensions.py

@@ -1,7 +1,5 @@
 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

@@ -9,8 +9,6 @@ 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', 'RepaymentsData', 'Salary']
+__all__ = ['Customer', 'Account', 'Loan', 'Transaction', 'Repayment', 'LoanCharge', 'Offer', 'Charge', 'RACCheck', 'LoanRepaymentSchedule', 'TransactionOffer']

app/models/account.py

@@ -2,7 +2,6 @@ from datetime import datetime, timezone
 from sqlalchemy.orm import relationship
 from app.extensions import db
 from sqlalchemy.exc import IntegrityError
-from sqlalchemy.sql import func
 
 class Account(db.Model):
     __tablename__ = 'accounts'
@@ -12,8 +11,8 @@ class Account(db.Model):
     account_type = db.Column(db.String(50))
     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), server_default=func.now(), onupdate=func.now())
+    created_at = db.Column(db.DateTime, default=datetime.now(timezone.utc))
+    updated_at = db.Column(db.DateTime, default=datetime.now(timezone.utc), onupdate=datetime.now(timezone.utc))
 
     customer = relationship(
         "Customer",
@@ -27,9 +26,7 @@ class Account(db.Model):
         account = cls(
             id=id,
             customer_id=customer_id,
-            account_type=account_type,
-            created_at=datetime.now(timezone.utc),
-            updated_at=datetime.now(timezone.utc)
+            account_type=account_type
         )
 
         try:

app/models/charge.py

@@ -1,7 +1,6 @@
 from datetime import datetime, timezone, timedelta
 from app.extensions import db
 from sqlalchemy.orm import relationship
-from sqlalchemy.sql import func
 
 
 class Charge(db.Model):
@@ -13,8 +12,9 @@ class Charge(db.Model):
     percent = db.Column(db.Float, default=0.0)
     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), server_default=func.now(), onupdate=func.now())
+    created_at = db.Column(db.DateTime, default=datetime.now(timezone.utc))
+    updated_at = db.Column(db.DateTime, default=datetime.now(timezone.utc), onupdate=datetime.now(timezone.utc))
+
     offer = relationship(
         "Offer",
         primaryjoin="Charge.offer_id == Offer.id",
@@ -57,9 +57,7 @@ class Charge(db.Model):
                 code = code,
                 percent = percent,
                 description = description,
-                due = due_days,
-                created_at=datetime.now(timezone.utc),
-                updated_at=datetime.now(timezone.utc)
+                due = due_days
             )
 
             db.session.add(charge_obj)

app/models/customer.py

@@ -1,12 +1,8 @@
 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'
@@ -14,8 +10,9 @@ class Customer(db.Model):
     id = db.Column(db.String(50), primary_key=True) 
     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), server_default=func.now(), onupdate=func.now())
+    created_at = db.Column(db.DateTime, default=datetime.now(timezone.utc))
+    updated_at = db.Column(db.DateTime, default=datetime.now(timezone.utc), onupdate=datetime.now(timezone.utc))
+
     accounts = relationship(
         "Account",
         primaryjoin="Customer.id == Account.customer_id",
@@ -47,20 +44,10 @@ class Customer(db.Model):
     @classmethod
     def create_customer(cls, id, msisdn, country_code, account_id, account_type='savings'):
         if cls.query.filter_by(id=id).first():
-            raise ValueError("Customer ID '{id}' already exists.")
-        elif Account.query.filter_by(id=account_id).first():
-            raise ValueError(f"Account ID '{account_id}' already exists.")
-        elif cls.query.filter_by(msisdn=msisdn).first():
-            raise ValueError("MSISDN '{msisdn}'  already exists")
+            raise ValueError("Customer already exists")
         
         # Create the customer
-        customer = cls(
-            id=id,
-            msisdn=msisdn,
-            country_code=country_code,
-            created_at=datetime.now(timezone.utc),
-            updated_at=datetime.now(timezone.utc)
-            )
+        customer = cls(id=id, msisdn=msisdn, country_code=country_code)
         try: 
             db.session.add(customer)
             
@@ -76,7 +63,7 @@ class Customer(db.Model):
         return customer
     
     @classmethod
-    def get_customer_with_loan_list(cls, customer_id):
+    def get_customer(cls, customer_id):
         """
         Get customer by  ID.
         """

app/models/loan.py

@@ -1,6 +1,4 @@
-from datetime import datetime, timezone, timedelta
-from itertools import product
-from app.api.enums.loan_status import LoanStatus
+from datetime import datetime, timezone
 from app.extensions import db
 from app.models.customer import Customer
 from app.models.account import Account
@@ -9,9 +7,6 @@ from sqlalchemy.orm import relationship
 from dateutil.relativedelta import relativedelta 
 from datetime import timedelta
 import logging
-from sqlalchemy import and_, or_, not_
-from sqlalchemy.sql import func
-
 logger = logging.getLogger(__name__)
 
 
@@ -36,21 +31,13 @@ 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), server_default=func.now(), onupdate=func.now())
+    created_at = db.Column(db.DateTime, default=datetime.now(timezone.utc))
+    updated_at = db.Column(db.DateTime, default=datetime.now(timezone.utc), onupdate=datetime.now(timezone.utc))
     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",
@@ -90,7 +77,6 @@ class Loan(db.Model):
         installment_amount,
         tenor,
         eligible_amount,
-        reference,
         status = "pending",
     ):
         # Check if customer exists
@@ -114,15 +100,11 @@ 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,
-            reference = reference,
-            created_at=datetime.now(timezone.utc),
-            updated_at=datetime.now(timezone.utc)
+            eligible_amount =eligible_amount
         )
         
         try:
@@ -154,72 +136,24 @@ class Loan(db.Model):
         return loan
 
     @classmethod
-    def get_customer_original_loan(cls, customer_id, original_transaction):
-        """
-        Get customer's original loan  offer.
-        """
-        original_loan = cls.query.filter(and_( cls.customer_id ==customer_id, cls.original_transaction==original_transaction, cls.transaction_id==original_transaction )).first()
-        if not original_loan:
-            return None
-
-        logger.info(f" get_customer_original_loan ==>>>>  {original_loan}")
-        return original_loan
-
-    @classmethod
-    def get_customer_last_loan(cls, customer_id):
+    def get_customer_current_active_loan(cls, customer_id):
         """
         Get customer's active loans.
         """
-        logger.info(f"get_customer_last_loan [customer_id] ==>>>>  {customer_id}")
-        # loan = cls.query.filter_by( cls.customer_id == customer_id).first()
-        loan = cls.query.filter(and_( cls.customer_id ==customer_id, cls.status=='active')).first()
-
+        loan = cls.query.filter_by( customer_id = customer_id).first()
         if not loan:
-            return None
-            # loan = {
-            #     "original_transaction":"",
-            #     "eligible_amount": 0,
-            #     "loan_amount": 0,
-            #     "customer_id": customer_id,
-            #     "transaction_id": "",
-            #     "resultDescription": "No Active Loan"
-            # }
-        logger.info(f" get_customer_last_loan ==>>>>  {loan}")
+            loan = {
+                "eligible_amount": 0,
+                "loan_amount": 0,
+                "customer_id": customer_id,
+                "transaction_id": "",
+                "resultDescription": "No Active Loan"
+            }
+
+            logger.info(f" Active Loan ==>>>>  {loan}")
+
         return loan
 
-    @classmethod
-    def get_active_loans_by_original_transaction(cls, original_transaction_id):
-        """
-        Get all active loans with the same original_transaction ID.
-        """
-
-        active_loans = cls.query.filter(
-        cls.original_transaction == original_transaction_id,
-        or_(
-            cls.status == LoanStatus.ACTIVE.value,
-            cls.status == LoanStatus.START_REPAY.value,
-            cls.status == LoanStatus.ACTIVE_PARTIAL.value,
-        )
-        ).all()
-
-        return active_loans
-
-    @classmethod
-    def get_current_active_loans_by_account_id(cls, account_id):
-        """
-        Get the first active loan based on the accountID.
-        """
-        first_active_loan = cls.query.filter(
-        cls.account_id == account_id,
-        or_(
-            cls.status == LoanStatus.ACTIVE.value,
-            cls.status == LoanStatus.START_REPAY.value,
-            cls.status == LoanStatus.ACTIVE_PARTIAL.value,
-        )
-        ).order_by(cls.id.desc()).first()
-
-        return first_active_loan
-
     @classmethod
     def update_status(cls, loan_id, status):
         """
@@ -237,36 +171,14 @@ 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.balance,
+            'currentLoanAmount': self.current_loan_amount,
             'defaultPenaltyFee': self.default_penalty_fee,
             'continuousFee': self.continuous_fee,
             'collectionType': self.collection_type,
@@ -274,7 +186,6 @@ 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

@@ -2,7 +2,6 @@ from datetime import datetime, timezone, timedelta
 from app.extensions import db
 from sqlalchemy.orm import relationship
 from app.utils.logger import logger
-from sqlalchemy.sql import func
 
 
 class LoanCharge(db.Model):
@@ -17,8 +16,9 @@ class LoanCharge(db.Model):
     description = db.Column(db.Text, nullable=True)
     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), server_default=func.now(), onupdate=func.now())
+    created_at = db.Column(db.DateTime, default=datetime.now(timezone.utc))
+    updated_at = db.Column(db.DateTime, default=datetime.now(timezone.utc), onupdate=datetime.now(timezone.utc))
+
     loan = relationship(
         "Loan",
         primaryjoin="LoanCharge.loan_id == Loan.id",
@@ -63,9 +63,7 @@ class LoanCharge(db.Model):
                 percent = percent,
                 description = description,
                 due = due_days,
-                due_date = now + timedelta(days=due_days),
-                created_at=datetime.now(timezone.utc),
-                updated_at=datetime.now(timezone.utc)
+                due_date = now + timedelta(days=due_days)
             )
 
             db.session.add(charge_obj)

app/models/loan_repayment_schedule.py

@@ -2,7 +2,6 @@ from datetime import datetime, timezone
 from app.extensions import db
 from sqlalchemy.orm import relationship
 from dateutil.relativedelta import relativedelta
-from sqlalchemy.sql import func
 
 class LoanRepaymentSchedule(db.Model):
     __tablename__ = 'loan_repayment_schedules'
@@ -17,14 +16,10 @@ 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), server_default=func.now(), onupdate=func.now())
+    created_at = db.Column(db.DateTime, default=datetime.now(timezone.utc))
+    updated_at = db.Column(db.DateTime, default=datetime.now(timezone.utc), onupdate=datetime.now(timezone.utc))
+
     loan = relationship(
         "Loan",
         primaryjoin="LoanRepaymentSchedule.loan_id == Loan.id",
@@ -50,9 +45,7 @@ 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,
-                created_at=datetime.now(timezone.utc),
-                updated_at=datetime.now(timezone.utc)
+                transaction_id = transaction_id
             )
             
             db.session.add(schedule)

app/models/offer.py

@@ -2,13 +2,12 @@ from datetime import datetime, timezone
 from app.extensions import db
 from app.models.charge import Charge
 from sqlalchemy.orm import relationship
-from sqlalchemy.sql import func
 
 class Offer(db.Model):
     __tablename__ = 'offers'
 
-    id = db.Column(db.String(50), primary_key=True)
-    product_id = db.Column(db.String(50), nullable=False)
+    id = db.Column(db.String, primary_key=True)
+    product_id = db.Column(db.String, 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)
@@ -18,11 +17,8 @@ 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), server_default=func.now(), onupdate=func.now())
+    created_at = db.Column(db.DateTime, default=datetime.now(timezone.utc))
+    updated_at = db.Column(db.DateTime, default=datetime.now(timezone.utc), onupdate=datetime.now(timezone.utc))
 
     charges = relationship(
         "Charge",
@@ -83,11 +79,7 @@ class Offer(db.Model):
             "interest_rate": self.interest_rate,
             "management_rate": self.management_rate,
             "insurance_rate": self.insurance_rate,
-            "vat_rate": self.vat_rate,
-            "maxDailyLoans": self.max_daily_loans,
-            "maxActiveLoans": self.max_active_loans,
-            "maxLifeLoans": self.max_life_loans
-
+            "vat_rate": self.vat_rate
         }
     
     def __repr__(self):

app/models/rac_checks.py

@@ -3,30 +3,18 @@ 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
 
 class RACCheck(db.Model):
     __tablename__ = 'rac_checks'
 
     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(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), 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)
-
+    customer_id = db.Column(db.String, nullable=False)
+    account_id = db.Column(db.String, nullable=False)
+    rac_response = db.Column(db.JSON, nullable=False)
+    created_at = db.Column(db.DateTime, default=datetime.now(timezone.utc))
+    updated_at = db.Column(db.DateTime, default=datetime.now(timezone.utc), onupdate=datetime.now(timezone.utc))
 
     @classmethod
     def add_rac_check(cls, customer_id, account_id, transaction_id, data = None):
@@ -37,11 +25,8 @@ class RACCheck(db.Model):
             customer_id = customer_id,
             account_id = account_id,
             transaction_id = transaction_id,
-            created_at=datetime.now(timezone.utc),
-            updated_at=datetime.now(timezone.utc)
+            rac_response = data
         )
-
-        rac_check.rac_response_data = data or {}
         
         try:
             db.session.add(rac_check)
@@ -79,7 +64,7 @@ class RACCheck(db.Model):
             "transactionId": str(self.transaction_id),
             "customerId": self.customer_id,
             "accountId": self.account_id,
-            "racResponse": self.rac_response_data,
+            "racResponse": self.rac_response,
             "createdAt": self.created_at.isoformat(),
             "updatedAt": self.updated_at.isoformat() if self.updated_at else None
         }

app/models/repayment.py

@@ -4,7 +4,6 @@ from app.extensions import db
 from app.models.customer import Customer
 from app.models.loan import Loan
 from sqlalchemy.exc import IntegrityError
-from sqlalchemy.sql import func
 
 
 class Repayment(db.Model):
@@ -18,35 +17,31 @@ class Repayment(db.Model):
     loan_id = db.Column(db.String(50), nullable=False)
     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), server_default=func.now(), onupdate=func.now())
+    created_at = db.Column(db.DateTime, default=datetime.now(timezone.utc))
+    updated_at = db.Column(db.DateTime, default=datetime.now(timezone.utc), onupdate=datetime.now(timezone.utc))
     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, transaction_id):
+    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)
         
         # Check that the loan is active
-        if loan.status not in [LoanStatus.ACTIVE, LoanStatus.START_REPAY, LoanStatus.ACTIVE_PARTIAL]:
+        if loan.status != LoanStatus.ACTIVE:
             raise ValueError(f"Repayment cannot be processed. Loan status: ({loan.status})")
+        
 
         repayment = cls(
             customer_id=customer_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'
+            loan_id=loan_id,
+            product_id=product_id,
+            transaction_id = transaction_id
         )
 
         try:
@@ -56,30 +51,5 @@ class Repayment(db.Model):
 
         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 {
-            "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

@@ -1,36 +0,0 @@
-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

@@ -1,31 +0,0 @@
-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

@@ -3,13 +3,6 @@ from app.extensions import db
 from app.models import account
 from sqlalchemy.exc import IntegrityError
 from sqlalchemy import and_, or_, not_
-from sqlalchemy.sql import func
-from app.api.enums import TransactionType
-
-import logging
-logger = logging.getLogger(__name__)
-
-
 
 class Transaction(db.Model):
     __tablename__ = 'transactions'
@@ -23,9 +16,8 @@ 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), server_default=func.now(), onupdate=func.now())
+    created_at = db.Column(db.DateTime, default=datetime.now(timezone.utc))
+    updated_at = db.Column(db.DateTime, default=datetime.now(timezone.utc), onupdate=datetime.now(timezone.utc))
 
     def __repr__(self):
         return f'<Transaction {self.id}>'
@@ -36,23 +28,17 @@ class Transaction(db.Model):
         # if cls.query.filter_by(transaction_id=transaction_id).first():
         #     raise ValueError("Duplicate Transaction")
 
-        if cls.query.filter(and_(cls.transaction_id == transaction_id, cls.type == type)).first():
-            if type == TransactionType.REPAYMENT:
-                logger.info('Repayment transaction already exists :::: But we like to continue.')
-                now = datetime.now()
-                type = TransactionType.REPAYMENT + '.'+ now.strftime("%Y%m%d%H%M%S")
-                logger.info('Modify Type  :::: {0}'.format(type))
-            else:
-                raise ValueError("Duplicate Transaction")
+        if cls.query.filter( and_( cls.transaction_id ==transaction_id, cls.type==type) ).first():
+            raise ValueError("Duplicate Transaction")
+
+
 
         transaction = cls(
-            transaction_id=transaction_id,
-            customer_id=customer_id,
-            account_id=account_id,
-            type=type,
-            channel=channel,
-            created_at=datetime.now(timezone.utc),
-            updated_at=datetime.now(timezone.utc)
+            transaction_id = transaction_id,
+            customer_id = customer_id,
+            account_id = account_id,
+            type = type,
+            channel = channel
         )
 
         try:
@@ -64,4 +50,4 @@ class Transaction(db.Model):
 
     @classmethod
     def get_transaction_by_id(cls, transaction_id):
-        return cls.query.get(transaction_id)
+        return cls.query.get(transaction_id)

app/models/transaction_offers.py

@@ -1,12 +1,6 @@
-from datetime import datetime, timezone, timedelta
-from app.api.enums.loan_status import LoanStatus
+from datetime import datetime, timezone
 from app.extensions import db
 from sqlalchemy.orm import relationship
-from sqlalchemy.sql import func
-import logging
-logger = logging.getLogger(__name__)
-
-
 
 class TransactionOffer(db.Model):
     __tablename__ = 'transaction_offers'
@@ -14,7 +8,6 @@ class TransactionOffer(db.Model):
     id = db.Column(db.Integer, primary_key=True, autoincrement=True)
     customer_id = db.Column(db.String(50), nullable=False)
     transaction_id = db.Column(db.String(50), nullable=False)
-    original_transaction = db.Column(db.String(50), nullable=True)
     offer_id = db.Column(db.String(20), nullable=False)
     product_id = db.Column(db.String(20), nullable=True)
     min_amount = db.Column(db.Float, nullable=False)
@@ -22,8 +15,9 @@ class TransactionOffer(db.Model):
     eligible_amount = db.Column(db.Float, nullable=True)
     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), server_default=func.now(), onupdate=func.now())
+    created_at = db.Column(db.DateTime, default=datetime.now(timezone.utc))
+    updated_at = db.Column(db.DateTime, default=datetime.now(timezone.utc), onupdate=datetime.now(timezone.utc))
+
     customer = relationship(
         "Customer",
         primaryjoin="Customer.id == TransactionOffer.customer_id",
@@ -32,9 +26,9 @@ class TransactionOffer(db.Model):
     )
 
     @classmethod
-    def is_valid_transaction_offer(cls, transaction_offer, customer_id, product_id):
+    def is_valid_transaction_offer(cls, transaction_offer_id, customer_id, product_id):
         transaction_offer = cls.query.filter_by(
-            id = transaction_offer,
+            id = transaction_offer_id,
             customer_id = customer_id,
             # product_id = product_id
             # transaction_id = transaction_id,
@@ -46,22 +40,19 @@ class TransactionOffer(db.Model):
         return transaction_offer
 
     @classmethod
-    def create_transaction_offer(cls, customer_id, transaction_id, original_transaction, offer_id, min_amount, max_amount, eligible_amount=None, product_id=None, tenor=None):
+    def create_transaction_offer(cls, customer_id, transaction_id, offer_id, min_amount, max_amount, eligible_amount=None, product_id=None, tenor=None):
         """
         Class method to create and save a TransactionOffer.
         """
         transaction_offer = cls(
             customer_id=customer_id,
             transaction_id=transaction_id,
-            original_transaction=original_transaction,
             offer_id=offer_id,
             min_amount=min_amount,
             max_amount=max_amount,
             eligible_amount=eligible_amount,
             product_id=product_id,
-            tenor=tenor,
-            created_at=datetime.now(timezone.utc),
-            updated_at=datetime.now(timezone.utc)
+            tenor=tenor
         )
 
         db.session.add(transaction_offer)
@@ -69,33 +60,6 @@ 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

@@ -1,7 +1,7 @@
 {
   "openapi": "3.0.3",
   "info": {
-    "title": "Swagger Simbrella Core [10/22/2025] - OpenAPI 3.0",
+    "title": "Swagger Bank Channel to Simbrella FirstAdvance - 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": {
@@ -20,19 +20,12 @@
     {
       "url": "http://api.dev.simbrellang.net:4500"
     },
-    {
+        {
       "url": "https://api.dev.simbrellang.net"
-    },
-    {
-      "url": "http://10.2.249.133:4500"
     }
   ],
   "tags": [
-    {
-      "name": "Health",
-      "description": "System health check including DB status."
-    },
-    {
+      {
       "name": "Authorize",
       "description": "This feature will be used for authorizing customers.",
       "externalDocs": {
@@ -90,45 +83,6 @@
     }
   ],
   "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": {
       "$ref": "swagger/paths/Authorize.json"
     },
@@ -177,6 +131,18 @@
       "RepaymentResponse": {
         "$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": ["AuthorizeRefresh"],
+    "tags": ["Authorize Refresh"],
     "summary": "Customer Authorize Refresh Request",
     "description": "Customer Authorize Refresh Request",
     "operationId": "AuthorizeRefresh",

app/swagger/paths/CustomerConsent.json

@@ -0,0 +1,56 @@
+{
+    "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

@@ -0,0 +1,57 @@
+{
+    "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

@@ -0,0 +1,37 @@
+{
+    "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

@@ -0,0 +1,16 @@
+{
+    "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": "TRX201712RK9232P115"
+            "example": "Tr201712RK9232P115"
         },
         "countryCode": {
             "type": "string",
@@ -11,19 +11,19 @@
         },
         "customerId": {
             "type": "string",
-            "example": "5268548"
-        },
-        "accountId": {
-            "type": "string",
-            "example": "4348094226"
+            "example": "CN621868"
         },
         "msisdn": {
             "type": "string",
-            "example": "2348093451342"
+            "example": "8093451342"
         },
         "channel": {
             "type": "string",
-            "example": "USSD"
+            "example": "100"
+        },
+        "accountId": {
+            "type": "string",
+            "example": "ACN8263457"
         }
     },
     "xml": {

app/swagger/schemas/EligibilityCheckResponse.json

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

app/swagger/schemas/LoanStatusRequest.json

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

app/swagger/schemas/LoanStatusResponse.json

@@ -1,133 +1,83 @@
 {
-  "type": "object",
-  "properties": {
-    "customerId": {
-      "type": "string",
-      "example": "ZX48440946"
-    },
-    "transactionId": {
-      "type": "string",
-      "example": "TRCVIC49381378037"
-    },
-    "accountId": {
-      "type": "string",
-      "example": "361005323"
-    },
-    "loans": {
-      "type": "array",
-      "items": {
-        "type": "object",
-        "properties": {
-          "debtId": {
-            "type": "integer",
-            "example": 80
-          },
-          "loanDate": {
+    "type": "object",
+    "properties": {
+        "customerId": {
             "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
-    },
-    "summary": {
-      "type": "object",
-      "properties": {
-        "totalOutstandingAmount": {
-          "type": "number",
-          "format": "float",
-          "example": 114450.0,
-          "description": "Total amount still owed across all unpaid loans."
+            "example": "CN621868"
         },
-        "totalActiveLoanAmount": {
-          "type": "number",
-          "format": "float",
-          "example": 40000.0,
-          "description": "Total principal amount of currently active loans."
+        "transactionId": {
+            "type": "string",
+            "example": "Tr201712RK9232P115"
         },
-        "totalSettledAmount": {
-          "type": "number",
-          "format": "float",
-          "example": 80000.0,
-          "description": "Total amount that has been fully repaid."
+        "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"
+        }
+    },
+    "xml": {
+        "name": "LoanStatusResponse"
     }
-  },
-  "xml": {
-    "name": "LoanStatusResponse"
-  }
-}
+}

app/swagger/schemas/NotificationCallbackRequest.json

@@ -0,0 +1,50 @@
+{
+    "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

@@ -0,0 +1,16 @@
+{
+    "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": "RQID11170001371256908"
+            "example": "202111170001371256908"
         },
         "transactionId": {
             "type": "string",
-            "example": "TRCVIC73089465966"
+            "example": "Tr201712RK9232P115"
         },
         "customerId": {
             "type": "string",
-            "example": "ZX48440946"
+            "example": "CN621868"
         },
         "accountId": {
             "type": "string",
-            "example": "361005323"
+            "example": "ACN8263457"
         },
         "msisdn": {
             "type": "string",
-            "example": "2348093451342"
+            "example": "3451342"
         },
         "requestedAmount": {
             "type": "number",
             "format": "decimal",
-            "example": 20000
+            "example": 900
         },
         "collectionType": {
             "type": "integer",
-            "example": 0
+            "example": 1
         },
         "offerId": {
             "type": "integer",
-            "example": "SAL900004543304"
+            "example": 1127
         },
         "channel": {
             "type": "string",
-            "example": "USSD"
+            "example": "100"
         }
     },
     "xml": {

app/swagger/schemas/ProvideLoanResponse.json

@@ -1,75 +1,36 @@
 {
-  "type": "object",
-  "properties": {
-    "requestId": {
-      "type": "string",
-      "example": "81757678335583"
-    },
-    "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": "object",
+    "properties": {
+        "requestId": {
             "type": "string",
-            "example": "INTEREST"
-          },
-          "dueDate": {
+            "example": "202111170001371256908"
+        },
+        "transactionId": {
             "type": "string",
-            "format": "date-time",
-            "example": "2026-01-13T11:36:39.890747+00:00"
-          },
-          "startDate": {
+            "example": "Tr201712RK9232P115"
+        },
+        "customerId": {
             "type": "string",
-            "format": "date-time",
-            "example": "2025-10-15T11:36:39.890747+00:00"
-          },
-          "loanRef": {
+            "example": "CN621868"
+        },
+        "accountId": {
             "type": "string",
-            "example": "TRX1760528156816285USSD3MPC"
-          }
+            "example": "ACN8263457"
+        },
+        "msisdn": {
+            "type": "string",
+            "example": "3451342"
+        },
+        "resultCode": {
+            "type": "string",
+            "example": "00"
+        },
+        "resultDescription": {
+            "type": "string",
+            "example": "Successful"
         }
-      }
     },
-    "resultCode": {
-      "type": "string",
-      "example": "00"
-    },
-    "resultDescription": {
-      "type": "string",
-      "example": "Successful"
+    "xml": {
+        "name": "ProvideLoanResponse"
     }
-  },
-  "xml": {
-    "name": "ProvideLoanResponse"
-  }
-}
+}

app/swagger/schemas/RepaymentRequest.json

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

app/swagger/schemas/RepaymentResponse.json

@@ -1,48 +1,28 @@
 {
-  "type": "object",
-  "properties": {
-    "Id": {
-      "type": "integer",
-      "example": 195
+    "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"
+        }
     },
-    "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"
     }
-  },
-  "xml": {
-    "name": "RepaymentResponse"
-  }
-}
+}

app/swagger/schemas/SelectOfferRequest.json

@@ -3,40 +3,40 @@
     "properties": {
         "requestId": {
             "type": "string",
-            "example": "RQID11170001371256908"
+            "example": "202111170001371256908"
         },
         "transactionId": {
             "type": "string",
-            "example": "TRX1231231321232"
+            "example": "1231231321232"
         },
         "customerId": {
             "type": "string",
-            "example": "CN6215268548868"
-        },
-        "accountId": {
-            "type": "string",
-            "example": "4348094226"
+            "example": "CN621868"
         },
         "msisdn": {
             "type": "string",
-            "example": "2348093451342"
+            "example": "123456789"
         },
         "requestedAmount": {
             "type": "number",
-            "example": 20000
+            "format": "double",
+            "example": 10000.55
+        },
+        "accountId": {
+            "type": "string",
+            "example": "ACN8263457"
         },
-       
         "productId": {
             "type": "string",
-            "example": "3MPC"
+            "example": "2090"
         },
         "offerId": {
             "type": "string",
-            "example": "SAL900004543304"
+            "example": "101"
         },
         "channel": {
             "type": "string",
-            "example": "USSD"
+            "example": ""
         }
     },
     "xml": {

app/swagger/schemas/SelectOfferResponse.json

@@ -1,129 +1,121 @@
 {
-  "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": "object",
+    "properties": {
+        "requestId": {
             "type": "string",
-            "example": "SAL90000204"
-          },
-          "productId": {
+            "example": "202111170001371256908"
+        },
+        "transactionId": {
             "type": "string",
-            "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": {
+            "example": "1231231321232"
+        },
+        "customerId": {
+            "type": "string",
+            "example": "1256907"
+        },
+        "accountId": {
+            "type": "string",
+            "example": "5948306019"
+        },
+        "loan": {
             "type": "array",
             "items": {
-              "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
-          }
+                "type": "object",
+                "properties": {
+                    "offerId": {
+                        "type": "string",
+                        "example": "14451"
+                    },
+                    "productId": {
+                        "type": "string",
+                        "example": "2030"
+                    },
+                    "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
+                    },
+                    "interestAmount": {
+                        "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"
         }
-      }
     },
-    "outstandingDebtAmount": {
-      "type": "number",
-      "format": "float",
-      "example": 0
-    },
-    "resultCode": {
-      "type": "string",
-      "example": "00"
-    },
-    "resultDescription": {
-      "type": "string",
-      "example": "Successful"
+    "xml": {
+        "name": "SelectOffersResponse"
     }
-  },
-  "xml": {
-    "name": "SelectOffersResponse"
-  }
-}
+}

app/utils/mail.py

@@ -1,40 +0,0 @@
-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"

docker-compose.yml

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

migrations/versions/05b5494ad406_.py

@@ -1,31 +0,0 @@
-"""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

@@ -0,0 +1,32 @@
+"""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/1b2339f43824_migration_on_thu_apr_24_17_42_25_utc_.py

@@ -0,0 +1,53 @@
+"""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

@@ -0,0 +1,32 @@
+"""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

@@ -0,0 +1,42 @@
+"""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

@@ -0,0 +1,41 @@
+"""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/30b45df851fa_.py

@@ -1,45 +0,0 @@
-"""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

@@ -0,0 +1,52 @@
+"""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

@@ -1,280 +0,0 @@
-"""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

@@ -0,0 +1,32 @@
+"""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/610b7e9d15a6_migration_on_fri_apr_11_14_15_19_utc_.py

@@ -0,0 +1,32 @@
+"""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

@@ -0,0 +1,32 @@
+"""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

@@ -0,0 +1,41 @@
+"""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

@@ -0,0 +1,38 @@
+"""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

@@ -0,0 +1,32 @@
+"""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

@@ -0,0 +1,40 @@
+"""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

@@ -0,0 +1,57 @@
+"""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

@@ -0,0 +1,86 @@
+"""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

@@ -1,38 +0,0 @@
-"""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

@@ -0,0 +1,38 @@
+"""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

@@ -0,0 +1,32 @@
+"""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

@@ -0,0 +1,34 @@
+"""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

@@ -0,0 +1,32 @@
+"""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

@@ -0,0 +1,34 @@
+"""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

@@ -0,0 +1,38 @@
+"""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

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