Files
digifi-EventManager/app/integrations/simbrella.py
T
2026-04-05 16:53:02 +01:00

550 lines
27 KiB
Python

import requests
from app.config import settings
from app.helpers.response_helper import ResponseHelper
# from app.routes.autocall import verify_transaction
from app.models.customer import Customer
from app.services.loan import LoanService
from app.services.loan_repayment_schedule import LoanRepaymentScheduleService
from app.utils.auth import get_headers
from app.utils.extras import preprocess_loan_charges_data
import random
import string
from app.extensions import db
from app.utils.logger import logger
from flask import jsonify, current_app
from app.services.transactions import TransactionService
from app.services.repayment import RepaymentService
from app.extensions import db
from app.services.repayments_data import RepaymentsData
from app.services.salary import SalaryService
from app.enums.loan_status import LoanStatus
from app.models.loan_repayment_schedule import LoanRepaymentSchedule
from decimal import Decimal, ROUND_HALF_UP
from requests.exceptions import SSLError, RequestException, Timeout, ReadTimeout, ConnectTimeout
import sys
import socket
from app.helpers.collect_loan_helper import CollectLoanHelper
class SimbrellaClient:
BANK_CALL_BASE_URL = settings.BANK_CALL_BASE_URL
BANK_CALL_SMS_BASE_URL = settings.BANK_CALL_SMS_BASE_URL
BANK_CALL_DISBURSE_LOAN_ENDPOINT = settings.BANK_CALL_DISBURSE_LOAN_ENDPOINT
BANK_CALL_COLLECT_LOAN_ENDPOINT = settings.BANK_CALL_COLLECT_LOAN_ENDPOINT
BANK_CALL_TRANSACTION_VERIFY = settings.BANK_CALL_TRANSACTION_VERIFY
BANK_HEALTH_CHECK_ENDPOINT = settings.BANK_HEALTH_CHECK_ENDPOINT
BANK_CALL_API_TIME_OUT = settings.BANK_CALL_API_TIME_OUT
@staticmethod
def disburse_loan(data):
api_url = f"{SimbrellaClient.BANK_CALL_BASE_URL}{SimbrellaClient.BANK_CALL_DISBURSE_LOAN_ENDPOINT}"
logger.info(f"Calling DisburseLoan api_url==> : {api_url}")
logger.info(f"Calling DisburseLoan endpoint with data: {data}")
# Check if the transaction exists
logger.info(f"Checking if transaction exists")
transaction = TransactionService.get_transaction_by_transaction_id(transaction_id=data['transactionId'])
logger.info(f"Loan Response From Database ** : {transaction}")
# If transaction is not found
if not transaction:
logger.info(f"Transaction id: {data['transactionId']}, was not found")
return 0
# Fetch the loan based on the transaction_id
logger.info(f"Fetching the loan with transaction ID: {data['transactionId']}")
loan = LoanService.get_loan_by_transaction_id(transaction_id=data['transactionId'])
logger.info(f"Response from database: {loan}")
# If loan is not found
if not loan:
logger.info(f"Could not find loan with transaction id: {data['transactionId']}")
return 0
loan_data = loan.to_dict()
logger.info(f"Here is your loan data: {loan_data}")
if loan_data['status'] != LoanStatus.ACTIVE:
logger.info(f"Loan with transaction id: {data['transactionId']} is not active")
return 0
if loan_data['disburseDate'] is not None:
logger.info("*************************SEEM LIKE A RETRY CALL -WE WILL VERIFY Result to Continue ")
logger.info(
f"Please call verify loan : {data['transactionId']} loan sent for processing at {loan_data['disburseDate']}")
# return 0 -- we need the disburseResult = '00' to be sure all is good
if loan_data['disburseDate'] is not None and loan_data['disburseResult'] == '00':
logger.info("*************************Duplicate call to completed loan ")
logger.info(
f"Duplicate call detected for loan : {data['transactionId']} loan sent for processing at {loan_data['disburseDate']}")
return 0
# let us set disbursement date
LoanService.set_disbursement_date(loan_data['debtId'],
loan_data['customerId']) # toda this must return something
logger.info(f"Here is your loan data after setting disbursement date: {loan_data}")
loan_charges = preprocess_loan_charges_data([loan_charge.to_dict() for loan_charge in loan.loan_charges])
logger.info(f"Here are your loan_charges: {loan_charges}")
mgt_fee = loan_charges.get("MGTFEE")['amount']
vat_fee = loan_charges.get("VAT")['amount']
interest_fee = loan_charges.get("INTEREST")['amount']
insurance_fee = loan_charges.get("INSURANCE")['amount']
product_id = str(loan_data.get('productId', ""))
debtId = str(loan_data.get('debtId', "")).strip().zfill(6)
disbursement_data = {
"transactionId": loan_data.get('transactionId'),
"fbnTransactionId": loan_data.get('transactionId'),
"debtId": debtId,
"customerId": loan_data.get('customerId'),
"accountId": loan_data.get('accountId'),
"productId": str(loan_data.get('productId', "")),
"provideAmount": loan_data.get('currentLoanAmount'),
"collectAmountInterest": interest_fee if product_id != '3MPC' else 0,
"collectAmountMgtFee": mgt_fee,
"collectAmountInsurance": insurance_fee,
"collectAmountVAT": vat_fee,
"countryId": "01",
"comment": "Loan Disbursement",
}
# '''
# { Veryfing with the bank
# "transactionId": "string",
# "fbnTransactionId": "string",
# "debtId": "string",
# "customerId": "string",
# "accountId": "string",
# "productId": "string",
# "provideAmount": 0,
# "collectAmountInterest": 0,
# "collectAmountMgtFee": 0,
# "collectAmountInsurance": 0,
# "collectAmountVAT": 0,
# "countryId": "string",
# "comment": "string"
# }
# '''
try:
logger.info(f"Calling Bank Disbursement with Request data ****** : {disbursement_data}")
response = requests.post(api_url, json=disbursement_data, timeout=SimbrellaClient.BANK_CALL_API_TIME_OUT,
headers=get_headers())
logger.info(
f"Call to bank end point returned with Here is your Disbursement Request data ****** : {disbursement_data}")
if response.status_code == 404:
logger.error("")
LoanService.set_disbursement_loan_description(loan_data['debtId'],
"Disbursement Service url not found (404)")
logger.info(f"Loan status updated to {LoanStatus.FAILED} for loan ID {loan_data['debtId']} due to disbursement failure")
LoanService.update_status(loan_data['debtId'], LoanStatus.FAILED)
return ResponseHelper.error("Disbursement Service url not found (404)", status_code=404)
logger.info(f"Disbursement response: {response.json()}")
if response.status_code == 200:
result = response.json()
LoanService.set_disbursement_result(loan_data['debtId'], result.get('responseCode', ''),
result.get('responseMessage', ''))
reload_loan = LoanService.get_loan_by_transaction_id(transaction_id=data['transactionId'])
reload_loan_data = reload_loan.to_dict()
#mark repayment schedule as active
repayment_schedule = LoanRepaymentScheduleService.get_repayment_schedule_by_loan_id(
reload_loan_data['debtId'], include_paid=False)
logger.info(f'Loan repayment schedule: {repayment_schedule}')
if repayment_schedule:
for schedule in repayment_schedule:
logger.info(f"Updating repayment schedule ID {schedule.id} status to ACTIVE")
LoanRepaymentScheduleService.update_repayment_schedule_status_to_active(schedule.id)
SimbrellaClient.verify_disbursement_transaction(reload_loan_data)
return ResponseHelper.success(response.json(), "Successful")
else:
logger.error("")
errorMessage = "Unable to complete Disbursement Service with HTTP status code: " + str(
response.status_code)
LoanService.set_disbursement_loan_description(loan_data['debtId'], errorMessage)
updatedLoan = LoanService.update_status(loan_data['debtId'], LoanStatus.FAILED)
logger.info(f"Loan status updated to {updatedLoan.get('status')} for loan ID {loan_data['debtId']} due to disbursement failure")
return ResponseHelper.error(errorMessage, status_code=response.status_code)
except requests.exceptions.HTTPError as errh:
print(f"Disbursement HTTP Error: {errh}")
except requests.exceptions.ConnectionError as errc:
print(f"Disbursement Error Connecting: {errc}")
except requests.exceptions.Timeout as errt:
print(f"Disbursement Timeout Error: {errt}")
except requests.exceptions.RequestException as err:
print(f"Disbursement - Unexpected Error Occurred: {err}")
except Exception as e:
logger.info(f"Failed to call Disbursement endpoint: {e}")
return 0
# try:
# logger.info(f"Calling Bank Disbursement with Request data ****** : {disbursement_data}")
# response = requests.post(api_url, json=disbursement_data, timeout=SimbrellaClient.BANK_CALL_API_TIME_OUT,
# headers=get_headers())
# logger.info(
# f"Call to bank end point returned with Here is your Disbursement Request data ****** : {disbursement_data}")
# if response.status_code == 404:
# logger.error("")
# LoanService.set_disbursement_loan_description(loan_data['debtId'],
# "Disbursement Service url not found (404)")
# return ResponseHelper.error("Disbursement Service url not found (404)", status_code=404)
#
# logger.info(f"Disbursement response: {response.json()}")
#
# if response.status_code == 200:
# result = response.json()
# LoanService.set_disbursement_result(loan_data['debtId'], result.get('responseCode', ''),
# result.get('responseMessage', ''))
# reload_loan = LoanService.get_loan_by_transaction_id(transaction_id=data['transactionId'])
# reload_loan_data = reload_loan.to_dict()
# SimbrellaClient.verify_disbursement_transaction(reload_loan_data)
# return ResponseHelper.success(response.json(), "Successful")
#
# else:
# logger.error("")
# errorMessage = "Unable to complete Disbursement Service with HTTP status code: " + str(
# response.status_code)
# LoanService.set_disbursement_loan_description(loan_data['debtId'], errorMessage)
# return ResponseHelper.error(errorMessage, status_code=response.status_code)
# except Exception as e:
# logger.info(f"Failed to call Disbursement endpoint: {e}")
# return 0
return 1
@staticmethod
def verify_disbursement_transaction(loan_data):
if loan_data['disburseResult'] and loan_data['disburseResult'] == '00':
SimbrellaClient.verify_transaction(loan_data)
@staticmethod
def verify_transaction(data):
api_url = f"{SimbrellaClient.BANK_CALL_BASE_URL}{SimbrellaClient.BANK_CALL_TRANSACTION_VERIFY}"
sms_url = f"{SimbrellaClient.BANK_CALL_SMS_BASE_URL}/singleSMS"
logger.info(f"Calling TransactionVerify api_url==> : {api_url}")
# Check if the transaction exists
logger.info(f"Checking if transaction exists")
transaction = TransactionService.get_transaction_by_transaction_id(transaction_id=data['transactionId'])
transaction_data = transaction.to_dict()
logger.info(f"Loan Response From Database ** : {transaction}")
# If transaction is not found
if not transaction:
logger.info(f"Transaction id: {data['transactionId']}, was not found")
return 0
# Fetch the loan based on the transaction_id
logger.info(f"Fetching the loan with transaction ID: {data['transactionId']}")
loan = LoanService.get_loan_by_transaction_id(transaction_id=data['transactionId'])
logger.info(f"Response from database: {loan}")
# If loan is not found
if not loan:
logger.info(f"Could not find loan with transaction id: {data['transactionId']}")
return 0
loan_data = loan.to_dict()
logger.info(f"Here is your loan data: {loan_data}")
if loan_data['disburseDate'] is not None and loan_data['disburseVerify'] is None:
LoanService.set_disburse_verify_date(loan_data['debtId'], loan_data['customerId'])
loan_data = loan.to_dict()
logger.info(f"Here is your loan data after setting verify date: {loan_data}")
logger.info(f"Good to Verify transaction id: {data['transactionId']}")
else:
logger.info(
f"Please call disburse loan : {data['transactionId']} loan send for processing first")
return 0
verify_data = {
"customerId": loan_data.get('customerId'),
"accountId": loan_data.get('accountId'),
"transactionId": loan_data.get('transactionId'),
"transactionType": "provide",
"fbnTransactionId": loan_data.get('transactionId'),
"countryId": "NG",
"requestId": loan_data.get('transactionId')
}
# '''
# { Verify with bank
# "accountId": "string",
# "customerId": "string",
# "transactionId": "string",
# "fbnTransactionId": "string",
# "transactionType": "string",
# "countryId": "string",
# "requestId": "string"
# }
# '''
try:
logger.info(f"Here is your TransactionVerify Request data ****** : {verify_data}")
response = requests.post(api_url, json=verify_data, timeout=SimbrellaClient.BANK_CALL_API_TIME_OUT,
headers=get_headers())
if response.status_code == 404:
logger.error("Received 404 from external service")
return ResponseHelper.error("Verify Service url not found (404)", status_code=404)
result = response.json()
#check for res 00 and status 200
logger.info(f"this is verify result, {result}")
LoanService.set_disburse_verify_result(loan_data['debtId'], result.get('responseCode', ''),
result.get('responseMessage', ''))
customer = Customer.get_customer(loan_data.get('customerId'))
if customer:
misisdn = customer.msisdn
else:
logger.info(f"Customer does not exist for customer id: {loan_data.get('customerId')}")
misisdn = settings.TEST_NO
sms_data = {
"dest": misisdn,
"text": f"Transaction {loan_data.get('transactionId')} verified successfully",
"unicode": True
}
try:
TransactionService.create_transaction(loan_data['transactionId'], loan_data['accountId'],
loan_data['customerId'], "send_sms", "USSD")
except Exception as e:
logger.info(f"Failed to LOG SMS Transaction Record: {e}")
try:
sms_response = requests.post(sms_url, json=sms_data, timeout=SimbrellaClient.BANK_CALL_API_TIME_OUT,
headers=get_headers())
sms_response.raise_for_status() # Raise an exception for 4xx or 5xx status codes
result = sms_response.json()
logger.info(f"SMS Response JSON: {result}")
if result.get('isSuccess'):
logger.info(f"sms sent successfully")
return ResponseHelper.success(response.json(), "Successful")
logger.info(f"sms failed!")
return 1
except requests.RequestException as e:
# Handle the exception
logger.error(f"Failed to send SMS: {e}")
return 0
except Exception as e:
logger.info(f"Failed to call TransactionVerify endpoint: {e}")
return 0
@staticmethod
def collect_loan_user_initiated(data):
# InitiatedBy = USER_INITIATED
try:
logger.info(f"Calling CollectLoan collect_loan_user_initiated ******* endpoint with data: {data}")
return SimbrellaClient._collect_loan(data, "1")
except Exception as e:
logger.error(f"Error in collect_loan_user_initiated: {e}")
# return ResponseHelper.error(
# message="Failed to collect loan for user initiated ",
# status_code=500,
# error=str(e)
# )
@staticmethod
def collect_loan_user_salary_detect(data):
try:
return SimbrellaClient._collect_loan(data, "2")
except Exception as e:
logger.error(f"Error in collect_loan_user_salary_detect: {e}")
return ResponseHelper.error(
message="Failed to collect loan for salary detection",
status_code=500,
error=str(e)
)
@staticmethod
def collect_loan_user_due_payment(data):
# InitiatedBy = REPAYMENT_DUE
try:
return SimbrellaClient._collect_loan(data, "3")
except Exception as e:
logger.error(f"Error in collect_loan_user_due_payment: {e}")
return ResponseHelper.error(
message="Failed to collect loan for due payment",
status_code=500,
error=str(e)
)
@staticmethod
def _collect_loan(data, collectionMethod: str):
api_url = f"{SimbrellaClient.BANK_CALL_BASE_URL}{SimbrellaClient.BANK_CALL_COLLECT_LOAN_ENDPOINT}"
logger.info(f"Calling CollectLoan api_url==> : {api_url}")
logger.info(f"Calling CollectLoan endpoint with data: {data}")
repayment_data, loan, error = CollectLoanHelper._validate_repayment_and_loan(data)
if error:
return error
loan_data = loan.to_dict()
if repayment_data['repayDate'] is not None:
logger.info(f"Repayment already processed at {repayment_data['repayDate']}")
return ResponseHelper.error("Repayment already processed")
RepaymentService.set_repay_date(repayment_data['Id'], repayment_data['customerId'])
repayment = RepaymentService.get_repayment_by_transaction_id(transaction_id=data['transactionId'])
repayment_data = repayment.to_dict()
collect_loan_data = CollectLoanHelper._build_collect_loan_payload(loan_data, repayment_data, data,
collectionMethod)
try:
logger.info(f"Sending CollectLoan request............ {collect_loan_data}")
response = requests.post(api_url, json=collect_loan_data, timeout=SimbrellaClient.BANK_CALL_API_TIME_OUT,
headers=get_headers())
logger.info(f"HTTP response object: {response}")
if response.status_code == 404:
db.session.rollback()
RepaymentService.set_repay_result(
repayment_data['Id'],
'404',
'Collection Service url not found'
)
if (data.get('overdueLoanScheduleId') is not None):
LoanRepaymentScheduleService.update_repayment_schedule_description(data['overdueLoanScheduleId'],
'Collection Service url not found')
logger.error("Received 404 from external service")
return ResponseHelper.error("Collection Service URL not found", status_code=404)
result = response.json()
logger.info(f"CollectLoan response: {result}")
RepaymentService.set_repay_result(
repayment_data['Id'],
result.get('responseCode', ''),
result.get('responseMessage', '')
)
data_to_add = {
"transactionId": result.get('transactionId') or collect_loan_data.get('transactionId'),
"fbnTransactionId": loan_data['transactionId'],
"accountId": result.get('accountId') or collect_loan_data.get('accountId'),
"customerId": result.get('customerId') or collect_loan_data.get('customerId'),
"amountCollected": float(result.get('amountCollected', 0)),
"repaymentAmount": collect_loan_data.get('collectAmount'),
"responseCode": result.get('responseCode'),
"responseDescr": result.get('responseMessage'),
"balance": round(float(result.get('lienAmount', 0)), 2)
}
new_repayment_data = RepaymentsData.add_repayment_data(data_to_add)
if new_repayment_data:
logger.info(f"Repayment data added: {new_repayment_data.to_dict()}")
else:
logger.warning("Failed to add repayment data")
updated_loan = None
response_message = result.get('responseMessage')
if result.get('responseCode') == '00':
amount_collected = Decimal(str(result.get('amountCollected', 0))).quantize(Decimal('0.01'),
rounding=ROUND_HALF_UP)
logger.info(f"Amount collected: {amount_collected}")
updated_loan = LoanService._update_loan_after_collection(
loan, loan_data, updated_loan, amount_collected, data, response_message=response_message
)
return ResponseHelper.success(result, "Successful")
except SSLError as ssl_err:
db.session.rollback()
logger.exception(f"SSL error while calling Simbrella endpoint: {ssl_err}")
RepaymentService.set_repay_result(
repayment_data['Id'],
'502',
'SSL error occurred while calling Simbrella'
)
if (data.get('overdueLoanScheduleId') is not None):
LoanRepaymentScheduleService.update_repayment_schedule_description(data['overdueLoanScheduleId'],
'SSL error occurred')
return ResponseHelper.error("SSL handshake failed with Simbrella", status_code=502, error=str(ssl_err))
except (Timeout, ReadTimeout, ConnectTimeout, socket.timeout, TimeoutError) as timeout_err:
db.session.rollback()
logger.exception(f"Timeout while calling Simbrella: {timeout_err}")
RepaymentService.set_repay_result(
repayment_data['Id'],
'500',
'There was a timeout while calling Simbrella'
)
if (data.get('overdueLoanScheduleId') is not None):
LoanRepaymentScheduleService.update_repayment_schedule_description(data['overdueLoanScheduleId'],
'Timeout occurred')
return ResponseHelper.error("Connection to Simbrella timed out", status_code=504, error=str(timeout_err))
except RequestException as req_err:
db.session.rollback()
logger.exception(f"RequestException while calling Simbrella: {req_err}")
RepaymentService.set_repay_result(
repayment_data['Id'],
'500',
'There was a request error while calling Simbrella'
)
if (data.get('overdueLoanScheduleId') is not None):
LoanRepaymentScheduleService.update_repayment_schedule_description(data['overdueLoanScheduleId'],
'Request error occurred')
except SystemExit as sys_exit:
db.session.rollback()
logger.error(f"SystemExit was triggered: {sys_exit}")
RepaymentService.set_repay_result(
repayment_data['Id'],
'500',
'There was a system error while calling Simbrella'
)
if (data.get('overdueLoanScheduleId') is not None):
LoanRepaymentScheduleService.update_repayment_schedule_description(data['overdueLoanScheduleId'],
'Unexpected shutdown occurred')
return ResponseHelper.error("Unexpected shutdown detected", status_code=500, error=str(sys_exit))
except Exception as e:
db.session.rollback()
logger.exception(f"Unexpected error occurred while calling CollectLoan: {e}")
RepaymentService.set_repay_result(
repayment_data['Id'],
'500',
'Unexpected error while processing loan collection'
)
if (data.get('overdueLoanScheduleId') is not None):
LoanRepaymentScheduleService.update_repayment_schedule_description(data['overdueLoanScheduleId'],
'Unexpected error occurred')
return ResponseHelper.error("Unexpected error while processing loan collection", status_code=500,
error=str(e))
@staticmethod
def penal_charge(data):
api_url = f"{SimbrellaClient.BANK_CALL_BASE_URL}/PenalCharge"
logger.info(f"Calling Penal Charge endpoint with data: {data}")
try:
logger.info(f"Here is your Penal Charge Request data ***** : {data}")
try:
logger.info(f"Here is your Penal Charge Request data ****** : {data}")
response = requests.post(api_url, json=data, timeout=SimbrellaClient.BANK_CALL_API_TIME_OUT,
headers=get_headers())
logger.info(f"Penal Charge response: {response.json()}")
return ResponseHelper.success(response.json(), "Successful")
except Exception as e:
logger.info(f"Failed to call Penal Charge endpoint: {e}")
return ResponseHelper.error("An error occurred", 500)
except Exception as e:
logger.info(f"Failed to call Penal Charge endpoint: {e}")
raise