[add]: Account Balance check

app/api/integrations/simbrella.py

@@ -10,6 +10,7 @@ class SimbrellaIntegration:
     ENDPOINT_RAC_CHECKS = settings.SIMBRELLA_ENDPOINT_RAC_CHECKS
     HEALTH_ENDPOINT = settings.SIMBRELLA_HEALTH
     AUTH_ENDPOINT =  settings.BANK_CALL_AUTH_ENDPOINT
+    SIMBRELLA_VERIFY_BALANCE_ENDPOINT = settings.SIMBRELLA_VERIFY_BALANCE_ENDPOINT
 
     _access_token = None  # cache token in memory
     _token_expiry = 0 
@@ -94,6 +95,58 @@ 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 verify_account_balance(account_id: str, amount: float, request_id: str):
+        """
+        Calls the Verify Account Balance endpoint
+        """
+        url = f"{SimbrellaIntegration.BASE_URL}/{SimbrellaIntegration.SIMBRELLA_VERIFY_BALANCE_ENDPOINT}"
+        logger.info(f"Contacting Verify Account Balance Endpoint: {url}")
+
+        payload = {
+            "accountId": account_id,
+            "amount": amount,
+            "requestId": str(request_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"Verify Account Balance Response: "
+                f"status={response.status_code}, body={response.text}"
+            )
+
+            response.raise_for_status()
+            return response
+
+        except httpx.HTTPStatusError as e:
+            logger.error(
+                f"Verify Account Balance failed with status "
+                f"{e.response.status_code}: {e.response.text}",
+                exc_info=True,
+            )
+            raise Exception("Verify Account Balance API returned an error")
+
+        except Exception as e:
+            logger.error(
+                f"Verify Account Balance API call failed: {str(e)}",
+                exc_info=True,
+            )
+            raise Exception(f"Verify Account Balance API call failed: {str(e)}")
         
     @staticmethod
     def health_check():

app/api/services/eligibility_check.py

@@ -56,13 +56,13 @@ class EligibilityCheckService(BaseService):
                 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")
+                        return ResponseHelper.error(result_description="CUSTOMER HAS EXCEEDED THE NUMBER OF DISBURSALS: Disbursal Count 1")
 
                 # Determine Loan count
-                is_eligible = EligibilityCheckService.check_loan_limits(customer_id)
+                is_eligible, count = EligibilityCheckService.check_loan_limits(customer_id)
 
                 if not is_eligible:
-                    return ResponseHelper.error(result_description="Max loan count reached")
+                    return ResponseHelper.error(result_description=f"CUSTOMER HAS EXCEEDED THE NUMBER OF DISBURSALS FOR THE DAY: Disbursal Count Today {count}")
                 
                 # Call RACCheck
                 response = SimbrellaIntegration.rac_check(
@@ -189,14 +189,14 @@ class EligibilityCheckService(BaseService):
         loan = Loan.get_customer_last_loan(customer_id)
 
         if not loan:
-            return True
+            return True, 0
         
         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
+            return False, 0
 
         daily_count = Loan.get_daily_loan_count(customer_id, offer.product_id)
         
@@ -204,7 +204,7 @@ class EligibilityCheckService(BaseService):
         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 False, daily_count
         
 
-        return True
+        return True, daily_count

app/api/services/repayment.py

@@ -1,3 +1,4 @@
+from app.api.integrations.simbrella import SimbrellaIntegration
 from flask import request, jsonify
 from marshmallow import ValidationError
 from app.api.enums.loan_status import LoanStatus
@@ -12,9 +13,11 @@ from app.api.enums import TransactionType
 from threading import Thread
 from app.extensions import db
 from app.api.integrations import EventServiceIntegration
+from app.config import settings
 
 class RepaymentService(BaseService):
     TRANSACTION_TYPE = TransactionType.REPAYMENT 
+    ENABLE_ACCOUNT_BALANCE_CHECK = settings.ENABLE_ACCOUNT_BALANCE_CHECK
 
     @staticmethod
     def process_request(data):
@@ -46,6 +49,38 @@ class RepaymentService(BaseService):
                     # Check loan exists
                     load_loan = Loan.get_customer_loan(loan_id = loan_id, customer_id = customer_id)
 
+
+                    # Check Customer Account Balance if enabled
+                    if RepaymentService.ENABLE_ACCOUNT_BALANCE_CHECK:
+                        response = SimbrellaIntegration.verify_account_balance(
+                            account_id = account_id,
+                            amount = load_loan.balance,
+                            request_id = request_id,
+                        )
+
+                        # this check for error is not valid
+                        if response.status_code != 200:
+                            return ResponseHelper.error(result_description="Balance Check failed")
+                        
+                        response = response.json()
+
+                        logger.info(f"This is Response (Balance 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"Balance Check failed")
+
+                        verify_account_balance_response = response['isSufficient']
+
+                        if not verify_account_balance_response or verify_account_balance_response in [False, "false"]:
+                            logger.error(f"Balance Check failed: Insufficient Account Balance")
+                            return ResponseHelper.error(result_description=f"Insufficient Account Balance")
+
+
                     # Save the repayment details  
                     repayment = Repayment.create_repayment(
                         customer_id = customer_id,

app/config.py

@@ -46,6 +46,8 @@ class Config:
     VALID_API_KEY = os.getenv("SIMBRELLA_API_KEY", "test-api-key-12345")
     SIMBRELLA_BASE_URL = os.getenv("SIMBRELLA_BASE_URL", "http://127.0.0.1:6337")
     SIMBRELLA_ENDPOINT_RAC_CHECKS = os.getenv("SIMBRELLA_ENDPOINT_RAC_CHECKS","api/rac-check")
+    SIMBRELLA_VERIFY_BALANCE_ENDPOINT = os.getenv("SIMBRELLA_VERIFY_BALANCE_ENDPOINT", "api/VerifyAccountBalance")
+    ENABLE_ACCOUNT_BALANCE_CHECK = os.getenv("ENABLE_ACCOUNT_BALANCE_CHECK", True)
     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")