Update offer_analysis.py

app/api/integrations/simbrella.py

@@ -21,7 +21,7 @@ class SimbrellaIntegration:
             "customerId": customer_id,
             "accountId": account_id,
             "transactionId": str(transaction_id),
-            "fbnTransactionId": f"FBN{transaction_id}",
+            "fbnTransactionId": str(transaction_id),
             "countryCode": "NG",
             "channel": "USSD"
         }

app/api/services/eligibility_check.py

@@ -81,7 +81,7 @@ class EligibilityCheckService(BaseService):
 
                     return ResponseHelper.error(result_description=f"RACCheck failed")
 
-                rack_checks_response = response['racResponse']
+                rack_checks_response = response['data']['racResponse']
 
                 rac_check = RACCheck.add_rac_check(
                     customer_id = customer_id,

app/api/services/offer_analysis.py

@@ -1,3 +1,4 @@
+from decimal import Decimal
 from app.models import Offer, TransactionOffer
 from app.models.loan import Loan
 import random
@@ -5,7 +6,10 @@ import logging
 
 from app.config import Config
 
-RAC_CHECK_RULES = Config.rac_true_rules
+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:
@@ -37,9 +41,86 @@ class OfferAnalysis:
 
         return transaction_offer, offer, eligible_amount, original_transaction
     @staticmethod
-    def _analyze_rack_checks(rack_response):
+    def _analyze_rack_checks(rack_response, offer):
         logger.info(f"This is PayLoad for ANALYSYS ***** : {str(rack_response)}", exc_info=True)
-        logger.info(f"RACk RUKES   {str(RAC_CHECK_RULES)}", 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 salarie amounts ***** : {str(salaries)}", exc_info=True)
+
+        #Least salary in the last 6 months
+        min_salary = min(salaries)
+
+        # Check consistency rule
+        consistent_income = rack_response.get("rule7_consistent_salary_amount", False)
+
+         # 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 np 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,
@@ -72,15 +153,13 @@ class OfferAnalysis:
         # if we have active offers - we have to feed off it
         logger.info(f"**RACK ANALYSIS** {customer_id}")
         # Analyze Rack Checks
-        OfferAnalysis._analyze_rack_checks(rack_checks_response)  #--> We need detail analysis
+        # new_eligible_amount = OfferAnalysis._analyze_rack_checks(rack_checks_response)  #--> We need detail analysis
 
         # we can now find the origin transactions
         # Find the last loan - it will have original_transaction
         last_customer_loan = Loan.get_customer_last_loan(customer_id)
         # logger.info(f"{last_customer_loan}")
 
-        new_eligible_amount = 0
-
         if last_customer_loan:
             original_transaction = last_customer_loan.original_transaction or last_customer_loan.transaction_id
             logger.info(f"transaction_id |-| original_transaction === > {transaction_id} {original_transaction}")
@@ -132,12 +211,18 @@ class OfferAnalysis:
 
 
         for offer in offers:
-            # Get approved amount
-            random_float = random.random()  # temporary to play data
+           
+            new_eligible_amount = OfferAnalysis._analyze_rack_checks(rack_checks_response, offer)
 
-            approved_amount = new_eligible_amount if new_eligible_amount > 0 else min(offer.max_amount, offer.max_amount * random_float) 
+
+            approved_amount = new_eligible_amount 
             approved_amount = round(approved_amount, 2)
 
+            if approved_amount < offer.min_amount:
+                    logger.error(f"Max eligible amount ({approved_amount}) is less than the minimum offer amount ({offer.min_amount}).")
+                    raise ValueError("You are not eligible for a loan at this time.")
+
+
             transaction_offer = TransactionOffer.create_transaction_offer(
                 customer_id=customer_id,
                 transaction_id=transaction_id,

app/config.py

@@ -34,7 +34,7 @@ class Config:
 
    # 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", "testtest-api-key-12345")
+    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")
 
@@ -49,25 +49,37 @@ class Config:
     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"
+        "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"
     ]
 
 
 
 
-
 settings = Config()