mercore starter

app/api/enums/__init__.py

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+from .transaction_type import TransactionType
+from .loan_status import LoanStatus

app/api/enums/loan_status.py

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

app/api/enums/transaction_type.py

@@ -0,0 +1,10 @@
+from enum import Enum
+
+class TransactionType(str, Enum):
+    ELIGIBILITY_CHECK = "eligibility_check"
+    CUSTOMER_CONSENT = "customer_consent"
+    LOAN_STATUS = "loan_status"
+    NOTIFICATION_CALLBACK = "notification_callback"
+    PROVIDE_LOAN = "provide_loan"
+    REPAYMENT = "repayment"
+    SELECT_OFFER = "select_offer"

app/api/helpers/response_helper.py

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+from flask import jsonify
+from typing import Optional, Union, Dict, List, Any
+
+
+class ResponseHelper:
+    """
+    A helper class for building standardized JSON responses using resultCode and resultDescription.
+    """
+
+    @staticmethod
+    def build_response(
+        result_code: str,
+        result_description: str,
+        data: Optional[Union[Dict, List, str]] = None
+    ) -> Dict[str, Any]:
+        response = {
+            "resultCode": result_code,
+            "resultDescription": result_description
+        }
+
+        if isinstance(data, dict):
+            response.update(data)
+
+        return jsonify(response)
+
+    @staticmethod
+    def success(
+        result_description: str = "Successful",
+        result_code: str = "0",
+        data: Optional[Dict[str, Any]] = None
+    ) -> Dict[str, Any]:
+        return ResponseHelper.build_response(result_code, result_description, data)
+
+    @staticmethod
+    def error(
+        result_description: str = "An error occurred",
+        result_code: str = "01",
+        data: Optional[Dict[str, Any]] = None
+    ) -> Dict[str, Any]:
+        return ResponseHelper.build_response(result_code, result_description, data)
+
+    @staticmethod
+    def created(
+        result_description: str = "Resource created successfully",
+        result_code: str = "00",
+        data: Optional[Dict[str, Any]] = None
+    ) -> Dict[str, Any]:
+        return ResponseHelper.build_response(result_code, result_description, data)
+
+    @staticmethod
+    def updated(
+        result_description: str = "Resource updated successfully",
+        result_code: str = "00",
+        data: Optional[Dict[str, Any]] = None
+    ) -> Dict[str, Any]:
+        return ResponseHelper.build_response(result_code, result_description, data)
+
+    @staticmethod
+    def internal_server_error(
+        result_description: str = "Internal Server Error",
+        result_code: str = "500",
+        data: Optional[Dict[str, Any]] = None
+    ) -> Dict[str, Any]:
+        return ResponseHelper.build_response(result_code, result_description, data)
+
+    @staticmethod
+    def unauthorized(
+        result_description: str = "Unauthorized",
+        result_code: str = "401",
+        data: Optional[Dict[str, Any]] = None
+    ) -> Dict[str, Any]:
+        return ResponseHelper.build_response(result_code, result_description, data)
+
+    @staticmethod
+    def forbidden(
+        result_description: str = "Forbidden",
+        result_code: str = "403",
+        data: Optional[Dict[str, Any]] = None
+    ) -> Dict[str, Any]:
+        return ResponseHelper.build_response(result_code, result_description, data)
+
+    @staticmethod
+    def not_found(
+        result_description: str = "Resource not found",
+        result_code: str = "404",
+        data: Optional[Dict[str, Any]] = None
+    ) -> Dict[str, Any]:
+        return ResponseHelper.build_response(result_code, result_description, data)
+
+    @staticmethod
+    def unprocessable_entity(
+        result_description: str = "Unprocessable entity",
+        result_code: str = "422",
+        data: Optional[Dict[str, Any]] = None
+    ) -> Dict[str, Any]:
+        return ResponseHelper.build_response(result_code, result_description, data)
+
+    @staticmethod
+    def method_not_allowed(
+        result_description: str = "Method Not Allowed",
+        result_code: str = "405",
+        data: Optional[Dict[str, Any]] = None
+    ) -> Dict[str, Any]:
+        return ResponseHelper.build_response(result_code, result_description, data)
+
+    @staticmethod
+    def bad_request(
+        result_description: str = "Bad Request",
+        result_code: str = "400",
+        data: Optional[Dict[str, Any]] = None
+    ) -> Dict[str, Any]:
+        return ResponseHelper.build_response(result_code, result_description, data)

app/api/integrations/__init__.py

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+from .simbrella import SimbrellaIntegration
+from .kafka import KafkaIntegration

app/api/integrations/kafka.py

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+from confluent_kafka import Producer
+import json
+import logging
+from app.config import settings
+
+logger = logging.getLogger(__name__)
+
+
+class KafkaIntegration:
+    _producer = None
+    _config = {
+        "bootstrap.servers": settings.KAFKA_BROKER,
+        "client.id": "loan-service-producer",
+        "acks": "all",
+        "retries": 3,
+        "debug": "broker,topic,msg",
+    }
+
+    @staticmethod
+    def _get_producer():
+        """Kafka producer"""
+        if not KafkaIntegration._producer:
+            KafkaIntegration._producer = Producer(KafkaIntegration._config)
+
+            logger.info(
+                f"Connected to Kafka broker at {KafkaIntegration._config['bootstrap.servers']}"
+            )
+
+        return KafkaIntegration._producer
+
+
+    @staticmethod
+    def delivery_report(err, msg):
+        """Called once for each message produced"""
+        if err is not None:
+
+            logger.error(f'Message delivery failed: {err}')
+            raise RuntimeError(f"Message delivery failed: {err}")
+        
+        else:
+            logger.debug(f'Message delivered to {msg.topic()} [{msg.partition()}] @ offset {msg.offset()}')
+
+
+
+    @staticmethod
+    def send_loan_request(loan_data, request_id, topic):
+        """
+        Send loan request to topic
+
+        Args:
+            loan_data: Loan request payload as dict
+            request_id: Unique request identifier (used as Kafka key)
+        """
+        try:
+
+            # Proceed to send loan request to Kafka
+            producer = KafkaIntegration._get_producer()
+
+            # Sending loan request message to Kafka
+            producer.produce(
+                topic=topic,
+                key=str(request_id),
+                value=json.dumps(loan_data).encode("utf-8"),
+                callback=KafkaIntegration.delivery_report,
+
+            )
+
+            producer.poll(0)
+
+            logger.info(f"Loan request {request_id} queued for processing")
+
+        except Exception as e:
+            logger.error(
+                f"Failed to send loan request to Kafka: {str(e)}", exc_info=True
+            )
+            raise Exception(f"Failed to send loan request to Kafka: {str(e)}")
+
+    @staticmethod
+    def flush():
+        """Shutdown"""
+        producer = KafkaIntegration._get_producer()
+        producer.flush()

app/api/integrations/simbrella.py

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+import httpx
+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
+
+    @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)
+
+        payload = {
+            "customerId": customer_id,
+            "accountId": account_id,
+            "transactionId": str(transaction_id),
+            "fbnTransactionId": str(transaction_id),
+            "countryCode": "NG",
+            "channel": "USSD"
+        }
+
+        headers = {
+            "Content-Type": "application/json",
+            "x-api-key": f"{settings.VALID_API_KEY}",
+            "App-Id": f"{settings.VALID_APP_ID}",
+        }
+
+        try:
+            response = httpx.post(url, json=payload, headers=headers, timeout=10.0)
+
+            logger.info(f"This is Response: {str(response)}", exc_info=True)
+
+            return response
+           
+        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)}")
+  

app/api/middlewares/__init__.py

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+from .verify_api_key import require_api_key
+from .app_id_checker import require_app_id
+from .cors import enforce_json
+from .basic_auth import require_auth

app/api/middlewares/app_id_checker.py

@@ -0,0 +1,27 @@
+from functools import wraps
+from flask import request, jsonify
+from app.utils.logger import logger
+from app.config import Config
+
+
+
+VALID_APP_ID = Config.VALID_APP_ID
+
+def require_app_id(f):
+    """Decorator to enforce App-ID validation."""
+    @wraps(f)
+    def decorated_function(*args, **kwargs):
+        app_id = request.headers.get("App-ID")
+
+        if not app_id:
+            logger.error("Unauthorized access: Missing App-ID.")
+            return jsonify({"message": "Invalid request"}), 400
+
+
+        if app_id != VALID_APP_ID:
+            logger.error(f"Unauthorized access: Invalid App-ID {app_id}.")
+            return jsonify({"message": "Invalid request"}), 400
+
+        return f(*args, **kwargs)
+
+    return decorated_function

app/api/middlewares/basic_auth.py

@@ -0,0 +1,30 @@
+from functools import wraps
+from flask import request, jsonify
+import base64
+from app.config import Config
+
+USERNAME = Config.BASIC_AUTH_USERNAME
+PASSWORD = Config.BASIC_AUTH_PASSWORD
+
+def require_auth(f):
+    @wraps(f)
+    def decorated(*args, **kwargs):
+        auth = request.headers.get('Authorization')
+        if not auth or not check_auth(auth):
+            return jsonify({"message": "Invalid request"}), 401
+        return f(*args, **kwargs)
+    return decorated
+
+def check_auth(auth_header):
+    if not auth_header:
+        return False
+    try:
+        auth_type, credentials = auth_header.split()
+        if auth_type.lower() != "basic":
+            return False
+
+        decoded_credentials = base64.b64decode(credentials).decode("utf-8")
+        user, pwd = decoded_credentials.split(":", 1)
+        return user == USERNAME and pwd == PASSWORD
+    except Exception:
+        return False

app/api/middlewares/cors.py

@@ -0,0 +1,7 @@
+from flask import request, jsonify
+
+
+def enforce_json():
+    """Middleware to enforce JSON Content-Type for incoming requests"""
+    if request.method in ["POST", "PUT", "PATCH"] and request.content_type != "application/json":
+        return jsonify({"message": "Invalid request"}), 400

app/api/middlewares/verify_api_key.py

@@ -0,0 +1,25 @@
+from functools import wraps
+from flask import request, jsonify
+from app.utils.logger import logger
+from app.config import Config
+
+# Load valid API key from environment variables (fallback for testing)
+VALID_API_KEY = Config.VALID_API_KEY
+
+def require_api_key(f):
+    """Decorator to enforce API key authentication."""
+    @wraps(f)
+    def decorated_function(*args, **kwargs):
+        api_key = request.headers.get("X-API-KEY")
+
+        if not api_key:
+            logger.error("Unauthorized access: Missing API key.")
+            return jsonify({"message": "Invalid request"}), 400
+
+        if api_key != VALID_API_KEY:
+            logger.error("Unauthorized access: Invalid API key.")
+            return jsonify({"message": "Invalid request"}), 400
+
+        return f(*args, **kwargs)
+
+    return decorated_function

app/api/routes/__init__.py

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+from .routes import api 

app/api/routes/routes.py

@@ -0,0 +1,149 @@
+from flask import Blueprint, request, jsonify, send_from_directory
+from app.api.services import (
+    LoginService,
+    EligibilityCheckService,
+    SelectOfferService,
+    ProvideLoanService,
+    LoanStatusService,
+    RepaymentService,
+    CustomerConsentService,
+    NotificationCallbackService,
+    AuthorizationService,
+)
+from app.utils.logger import logger
+from app.api.middlewares import enforce_json, require_auth
+import os
+from flask_jwt_extended import (
+    JWTManager,
+    jwt_required,
+    create_access_token,
+    get_jwt_identity,
+    create_refresh_token,
+)
+
+
+api = Blueprint("api", __name__)
+
+
+@api.before_request
+def cors_middleware():
+    """Middleware applied globally to all API routes in this blueprint"""
+    return enforce_json()
+
+
+# Swagger JSON file
+@api.route("/swagger.json", methods=["GET"])
+def swagger_json():
+    swagger_dir = os.path.join("swagger")
+    return send_from_directory(swagger_dir, "digifi_swagger.json")
+
+
+@api.route("/swagger/<path:filename>")
+def serve_paths(filename):
+    swagger_dir = os.path.join("swagger")
+    return send_from_directory(swagger_dir, filename)
+
+# EligibilityCheck Endpoint
+@api.route("/Login", methods=["POST"])
+@jwt_required()
+def merms_login():
+    data = request.get_json()
+    # logger.info(f"EligibilityCheck request received: {data}")
+    response = LoginService.process_request(data)
+    return response
+
+
+# EligibilityCheck Endpoint
+@api.route("/EligibilityCheck", methods=["POST"])
+@jwt_required()
+def eligibility_check():
+    data = request.get_json()
+    # logger.info(f"EligibilityCheck request received: {data}")
+    response = EligibilityCheckService.process_request(data)
+    return response
+
+
+# SelectOffer Endpoint
+@api.route("/SelectOffer", methods=["POST"])
+@jwt_required()
+def select_offer():
+    data = request.get_json()
+    # logger.info(f"SelectOffer request received: {data}")
+    response = SelectOfferService.process_request(data)
+    return response
+
+
+# ProvideLoan Endpoint
+@api.route("/ProvideLoan", methods=["POST"])
+@jwt_required()
+def provide_loan():
+    data = request.get_json()
+    # logger.info(f"ProvideLoan request received: {data}")
+    response = ProvideLoanService.process_request(data)
+    return response
+
+
+# LoanStatus Endpoint
+@api.route("/LoanStatus", methods=["POST"])
+@jwt_required()
+def loan_status():
+    data = request.get_json()
+    # logger.info(f"LoanStatus request received: {data}")
+    response = LoanStatusService.process_request(data)
+    return response
+
+
+# Repayment Endpoint
+@api.route("/Repayment", methods=["POST"])
+@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
+
+
+# CustomerConsent Endpoint
+@api.route("/CustomerConsent", methods=["POST"])
+@jwt_required()
+def customer_consent():
+    data = request.get_json()
+    # logger.info(f"CustomerConsent request received: {data}")
+    response = CustomerConsentService.process_request(data)
+    return response
+
+
+# NotificationCallback Endpoint
+@api.route("/NotificationCallback", methods=["POST"])
+@jwt_required()
+def notification_callback():
+    data = request.get_json()
+    # logger.info(f"NotificationCallback request received: {data}")
+    response = NotificationCallbackService.process_request(data)
+    return response
+
+
+# Health Check Endpoint
+@api.route("/health", methods=["GET"])
+def health_check():
+    return {"status": "ok"}, 200
+
+
+# Authorize endpoint
+@api.route("/Authorize", methods=["POST"])
+def authorize():
+    data = request.get_json()
+    # logger.info(f"Authorize request received: {data}")
+    response = AuthorizationService.process_request(data)
+    return response
+
+
+# Authorize refresh endpoint
+@api.route("/AuthorizeRefresh", methods=["POST"])
+@jwt_required(refresh=True)
+def refresh():
+    data = request.get_json()
+    # logger.info(f"Authorize refresh request received: {data}")
+    response = AuthorizationService.process_refresh_request()
+    return response

app/api/schemas/authorization.py

@@ -0,0 +1,6 @@
+from marshmallow import Schema, fields
+
+
+class AuthorizeRequestSchema(Schema):
+    username = fields.Str(required=True)
+    password = fields.Str(required=True)

app/api/schemas/customer_consent.py

@@ -0,0 +1,11 @@
+from marshmallow import Schema, fields
+
+# Customer Consent Schema
+class CustomerConsentSchema(Schema):
+    type = fields.Str(required=True)
+    transactionId = fields.Str(required=True)
+    customerId = fields.Str(required=True)
+    accountId = fields.Str(required=True)
+    requestTime = fields.DateTime(required=True, format="%Y-%m-%d %H:%M:%S.%f")
+    consentType = fields.Str(required=True)
+    channel = fields.Str(required=True)

app/api/schemas/eligibility_check.py

@@ -0,0 +1,10 @@
+from marshmallow import Schema, fields
+
+class EligibilityCheckSchema(Schema):
+    transactionId = fields.Str(required=True)
+    countryCode = fields.Str(required=True)
+    customerId = fields.Str(required=True)
+    accountId = fields.Str(required=True)
+    msisdn = fields.Str(required=True)
+    accountId = fields.Str(required=True)
+    channel = fields.Str(required=True)

app/api/schemas/loan_status.py

@@ -0,0 +1,9 @@
+from marshmallow import Schema, fields
+
+# Loan Information Schema
+class LoanStatusSchema(Schema):
+    transactionId = fields.Str(required=True)
+    accountId = fields.Str(required=True)
+    customerId = fields.Str(required=True)
+    msisdn = fields.Str(required=False)
+    channel = fields.Str(required=True)

app/api/schemas/login.py

@@ -0,0 +1,5 @@
+from marshmallow import Schema, fields
+
+class LoginSchema(Schema):
+    username = fields.Str(required=True)
+    password = fields.Str(required=True)

app/api/schemas/notification_callback.py

@@ -0,0 +1,14 @@
+from marshmallow import Schema, fields
+
+# Notification Callback Schema
+class NotificationCallbackSchema(Schema):
+    fbnTransactionId = fields.Str(required=True)
+    transactionId = fields.Str(required=True)
+    customerId = fields.Str(required=True)
+    accountId = fields.Str(required=True)
+    debtId = fields.Str(required=True)
+    transactionType = fields.Str(required=True)
+    amountProvided = fields.Float(required=True)
+    amountCollected = fields.Float(required=True)
+    responseCode = fields.Str(required=True)
+    responseDescription = fields.Str(required=True)

app/api/schemas/provide_loan.py

@@ -0,0 +1,16 @@
+from marshmallow import Schema, fields
+
+# Provide Loan Schema
+class ProvideLoanSchema(Schema):
+    type = fields.Str(required=False)
+    requestId = fields.Str(required=True)
+    transactionId = fields.Str(required=True)
+    customerId = fields.Str(required=True)
+    accountId = fields.Str(required=True)
+    msisdn = fields.Str(required=False)
+    # productId = fields.Str(required=True)
+    # lienAmount = fields.Float(required=True)
+    requestedAmount = fields.Float(required=True)
+    collectionType = fields.Int(required=True)
+    offerId = fields.Str(required=True)
+    channel = fields.Str(required=True)

app/api/schemas/repayment.py

@@ -0,0 +1,12 @@
+from marshmallow import Schema, fields
+
+# Repayment Schema
+class RepaymentSchema(Schema):
+    type = fields.Str(required=False)
+    msisdn = fields.Str(required=False) #optional
+    debtId = 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)

app/api/schemas/select_offer.py

@@ -0,0 +1,14 @@
+from marshmallow import Schema, fields
+
+# Select Offer Schema
+class SelectOfferSchema(Schema):
+    requestId = fields.Str(required=True)
+    transactionId = fields.Str(required=True)
+    customerId = fields.Str(required=True)
+    accountId = fields.Str(required=True)
+    msisdn = fields.Str(required=True)
+    requestedAmount = fields.Float(required=True)
+    productId = fields.Str(required=True)
+    offerId = fields.Str(required=True)
+    channel = fields.Str(required=True)
+

app/api/services/__init__.py

@@ -0,0 +1,10 @@
+from app.api.services.eligibility_check import EligibilityCheckService
+from app.api.services.select_offer import SelectOfferService
+from app.api.services.provide_loan import ProvideLoanService
+from app.api.services.loan_status import LoanStatusService
+from app.api.services.repayment import RepaymentService
+from app.api.services.customer_consent import CustomerConsentService
+from app.api.services.notification_callback import NotificationCallbackService
+from app.api.services.authorization import AuthorizationService
+from app.api.services.offer_analysis import OfferAnalysis
+from app.api.services.login import LoginService

app/api/services/authorization.py

@@ -0,0 +1,102 @@
+from flask import request, jsonify
+from marshmallow import ValidationError
+from app.api.services.base_service import BaseService
+from app.utils.logger import logger
+from app.api.schemas.authorization import AuthorizeRequestSchema
+from app.api.helpers.response_helper import ResponseHelper
+from flask_jwt_extended import (
+    JWTManager,
+    jwt_required,
+    create_access_token,
+    create_refresh_token,
+    get_jwt_identity,
+)
+from app.config import Config
+
+USERNAME = Config.BASIC_AUTH_USERNAME
+PASSWORD = Config.BASIC_AUTH_PASSWORD
+
+
+class AuthorizationService(BaseService):
+
+    @staticmethod
+    def process_request(data):
+        """
+        Process the Authorization request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            logger.info("Processing Authorization request")
+
+            if not data:
+                return ResponseHelper.bad_request(result_description="Missing JSON in request")
+
+            # Validate input data using the Authorization schema
+            schema = AuthorizeRequestSchema()
+            validated_data = schema.load(data)  # Raises ValidationError if invalid
+
+            if (
+                validated_data["username"] != USERNAME
+                or validated_data["password"] != PASSWORD
+            ):
+                return ResponseHelper.unauthorized(result_description="Invalid credentials")
+
+            access_token = create_access_token(identity=validated_data["username"])
+            refresh_token = create_refresh_token(identity=validated_data["username"])
+
+            # Simulated processing logic
+            response_data = {
+                "access_token": access_token,
+                "refresh_token": refresh_token,
+            }
+
+            return ResponseHelper.success(
+                data={"data": response_data}, result_description="Authorization processed successfully"
+            )
+
+        except ValidationError as e:
+            logger.error(f"Validation error: {e}")
+            return ResponseHelper.bad_request(result_description=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}"
+            )
+
+    @staticmethod
+    def process_refresh_request():
+        """
+        Process the RefreshToken request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            logger.info("Processing RefreshToken request")
+
+            identity = get_jwt_identity()
+            access_token = create_access_token(identity=identity)
+
+            # Simulated processing logic
+            response_data = {
+                "access_token": access_token,
+            }
+
+            return ResponseHelper.success(
+                data={"data": response_data}, result_description="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}"
+            )

app/api/services/base_service.py

@@ -0,0 +1,175 @@
+from app.models import Customer, Account, Transaction
+from app.api.enums import TransactionType
+from flask import jsonify
+from marshmallow import ValidationError
+import logging
+from app.api.integrations import KafkaIntegration
+
+logger = logging.getLogger(__name__)
+
+class BaseService:
+    TRANSACTION_TYPE = None
+
+    @classmethod
+    def validate_data(cls, data, schema):
+        """
+        Validate input data based on the provided schema.
+        """
+        logger.info(f"Processing {cls.TRANSACTION_TYPE} request")
+        return schema.load(data)
+
+    @classmethod
+    def get_or_create_customer(cls, validated_data):
+        
+        """
+        Check if a customer exists; if not, create one.
+        """
+
+        customer = Customer.query.filter_by(id=validated_data.get("customerId")).first()
+        if not customer:
+            customer = Customer.create_customer(
+                id=validated_data.get("customerId"),
+                msisdn=validated_data.get("msisdn"),
+                country_code=validated_data.get("countryCode"),
+                account_id=validated_data.get("accountId"),
+            )
+        return customer
+
+    @classmethod
+    def validate_account_ownership(cls, account_id, customer_id):
+        """
+        Check if the provided account belongs to the customer.
+        """
+        is_valid = Account.is_valid_account(account_id, customer_id)
+        return is_valid
+
+    @classmethod
+    def log_transaction(cls, validated_data):
+        """
+        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,
+        )
+    
+    @classmethod
+    def async_send_to_kafka(cls, loan_data, request_id, topic):
+        KafkaIntegration.send_loan_request(loan_data = loan_data, request_id = request_id, topic = topic)
+        KafkaIntegration.flush()
+
+
+    @classmethod
+    def calculate_charges(cls, offer, amount):
+        """
+        Calculates and returns the charges for the given offer and amount.
+        
+        Args:
+            offer (Offer): The offer object that contains the charges.
+            amount (float): The requested loan amount.
+        
+        Returns:
+            dict: A dictionary containing the calculated charges.
+        """
+        if not offer or not offer.charges:
+            logger.error(f"No charges found for offer ID {offer.id}")
+            return {"error": "No charges found for the offer"}
+
+        loan_charges = offer.charges
+        tenor = offer.schedule # offer.tenor // 30 # Convert to months
+        interest =  cls.get_charge_detail(rates = offer.interest_rate, charges = loan_charges, code = "INTEREST", amount = amount)
+        management = cls.get_charge_detail(rates = offer.management_rate,  charges = loan_charges, code = "MGTFEE", amount = amount)
+        insurance = cls.get_charge_detail(rates = offer.insurance_rate, charges = loan_charges, code = "INSURANCE", amount = amount)
+        vat = cls.get_charge_detail(rates = offer.vat_rate, charges = loan_charges, code = "VAT", amount = amount, management_fee = management["fee"])
+
+        # Separate fees into upfront and postpaid
+        upfront_fees = [
+            fee["fee"]
+            for fee in [interest, management, insurance, vat]
+            if fee["due_days"] == 0
+        ]
+
+        postpaid_fees = [
+            fee["fee"]
+            for fee in [interest, management, insurance, vat]
+            if fee["due_days"] != 0
+        ]
+        vat_test  = vat["fee"]
+        logger.info(f"VAT fee ==  *************** : {vat_test}")
+
+        # Up-front payment: (only those fees due immediately i.e due_days == 0)
+        # upfront_payment = sum(upfront_fees)
+        if offer.schedule == 1:
+            upfront_payment = vat["fee"] + management["fee"] + insurance["fee"] + interest["fee"]
+            interest_amount = interest["fee"]
+            repayment_amount = amount
+        else:
+            upfront_payment = vat["fee"] + insurance["fee"]+management["fee"]
+            interest_amount = interest["fee"]*offer.schedule
+            repayment_amount = amount +  interest_amount
+
+
+        # Repayment amount: (principal + only those fees not due immediately i.e due_days != 0)
+       # repayment_amount = amount + (sum(postpaid_fees) * tenor)
+
+        # Total amount: (upfront_payment + repayment_amount)
+        total_amount = upfront_payment + repayment_amount
+
+        # Calculate the installment amount
+        installment_amount = repayment_amount / offer.schedule
+
+        return {
+            "interest": interest,
+            "interest_amount": interest_amount,
+            "management": management,
+            "insurance": insurance,
+            "vat": vat,
+            "upfront_payment": round(upfront_payment, 2),
+            "repayment_amount": round(repayment_amount, 2),
+            "installment_amount": round(installment_amount, 2),
+            "total_amount": round(total_amount, 2)
+        }
+
+    
+    @classmethod
+    def get_charge_detail(cls, rates, charges, code, amount, management_fee= 0.0):
+        """
+        Get details for a specific charge code from a list of loan charges.
+
+        Returns default values if not found.
+        """
+        fee = 0.0
+
+        if code == "VAT" and management_fee > 0:
+            fee = management_fee * rates / 100
+        else:
+            fee = amount * rates / 100
+
+        return {
+            "rate": rates,
+            "fee": round(fee, 2),
+            "due_days": 30,
+            "code": code,
+            "description" :  "have no idea how to get this yet"
+        }
+
+        # if charge.code == code:
+        #     if code == "VAT" and management_fee > 0:
+        #         fee = management_fee * rates / 100
+        #     else:
+        #         fee = amount * rates / 100
+        #
+        #     return {
+        #         "rate": rates,
+        #         "fee": round(fee, 2),
+        #         "due_days": charge.due
+        #     }
+            
+       # return {"rate": 0, "fee": 0, "due_days": 0}
+
+

app/api/services/customer_consent.py

@@ -0,0 +1,60 @@
+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
+from app.api.schemas.customer_consent import CustomerConsentSchema
+from app.api.services.base_service import BaseService
+from app.api.enums import TransactionType 
+from app.extensions import db
+
+
+class CustomerConsentService(BaseService):
+    TRANSACTION_TYPE = TransactionType.CUSTOMER_CONSENT 
+
+    @staticmethod
+    def process_request(data):
+        """
+        Process the CustomerConsent request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            with db.session.begin():
+                validated_data = CustomerConsentService.validate_data(data, CustomerConsentSchema())
+                account_id = validated_data.get('accountId')
+                customer_id =  validated_data.get('customerId')
+
+                if(CustomerConsentService.validate_account_ownership(account_id = account_id, customer_id = customer_id)):
+                    
+                    transaction = CustomerConsentService.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")
+
+
+                db.session.commit()
+                return ResponseHelper.success(result_description="Request is received")
+            
+        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:
+            logger.error(f"{getattr(err, 'messages', str(err))}")
+            db.session.rollback()
+            return ResponseHelper.error(result_description=str(err))
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            db.session.rollback()
+            return ResponseHelper.internal_server_error()

app/api/services/eligibility_check.py

@@ -0,0 +1,198 @@
+from flask import session, jsonify
+from app.models.loan import Loan
+from app.utils.logger import logger
+from app.api.services.base_service import BaseService
+from app.api.schemas.eligibility_check import EligibilityCheckSchema
+from marshmallow import ValidationError
+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
+
+
+class EligibilityCheckService(BaseService):
+    TRANSACTION_TYPE = TransactionType.ELIGIBILITY_CHECK 
+
+    @staticmethod
+    def process_request(data):
+        """
+        Process the EligibilityCheck request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            with db.session.begin():
+
+                validated_data = EligibilityCheckService.validate_data(data, EligibilityCheckSchema())
+                account_id = validated_data.get('accountId')
+                customer_id =  validated_data.get('customerId')
+                transactionId = validated_data.get('transactionId')
+                msisdn = validated_data.get('msisdn')
+
+                customer = EligibilityCheckService.get_or_create_customer(validated_data = validated_data)
+
+                if (EligibilityCheckService.validate_account_ownership(account_id = account_id, customer_id = customer_id)):
+                
+                    transaction = EligibilityCheckService.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")
+                
+                db.session.flush()
+
+                # 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(
+                    customer_id = customer_id,
+                    account_id = account_id,
+                    transaction_id = transaction.transaction_id,
+                )
+
+                # this chek for error is not valid
+                if response.status_code != 200:
+                    return ResponseHelper.error(result_description="RACCheck failed")
+                
+                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
+                    )
+
+                if not rac_check:
+                    logger.error(f"Failed to save RACCheck")
+                    return ResponseHelper.error(result_description="Failed to save RACCheck.")
+
+                # -----------------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
+                    )
+                except ValueError as ve:
+                    logger.error(str(ve))
+                    return ResponseHelper.error(result_description= str(ve))
+# -----------------------------------------------------------------------
+#                 s = 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
+                #     )
+                #
+                #     # 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
+                #     })
+
+                # Simulate processing
+                response_data = {
+                    "customerId": customer_id,
+                    "transactionId": transactionId,
+                    "countryCode": "NG",
+                    "msisdn": msisdn,
+                    "eligibleOffers": eligible_offers,
+                    "accountId": account_id
+                    }
+
+                return ResponseHelper.success(data=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:
+            logger.error(f"{getattr(err, 'messages', str(err))}")
+            db.session.rollback()
+            return ResponseHelper.error(result_description=str(err))
+
+        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 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

app/api/services/loan_status.py

@@ -0,0 +1,81 @@
+from flask import request, jsonify
+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.services.base_service import BaseService
+from app.api.enums import TransactionType   
+from app.extensions import db
+from app.api.helpers.response_helper import ResponseHelper
+
+
+class LoanStatusService(BaseService):
+    TRANSACTION_TYPE = TransactionType.LOAN_STATUS 
+
+    @staticmethod
+    def process_request(data):
+        """
+        Process the Loan Information request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            with db.session.begin():
+                # Validate data
+                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)
+                
+                transactionId = validated_data.get('transactionId')
+                account_id = validated_data.get('accountId')
+
+                if(LoanStatusService.validate_account_ownership(account_id = account_id, customer_id = customer_id)):
+                    # Get loans
+                    loans = [loan.to_dict() for loan in customer.loans if loan.status == LoanStatus.ACTIVE]
+                    transaction = LoanStatusService.log_transaction(validated_data = validated_data)
+                    if not transaction:
+                        logger.error(f"Failed to log transaction")
+                        return ResponseHelper.error(result_description="Failed to log transaction.")
+                else:  
+                    return ResponseHelper.error(result_description="Invalid Customer or Account")
+
+                total_debt_amount = sum(
+                    loan.get("currentLoanAmount") or 0
+                    for loan in loans
+                    )
+
+                # Simulated processing logic
+                response_data = {
+                    "customerId": customer_id,
+                    "accountId": account_id,
+                    "transactionId": transactionId,
+                    "loans": loans,
+                    "totalDebtAmount": total_debt_amount,
+                }
+
+                db.session.commit()
+                return ResponseHelper.success(data=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:
+            logger.error(f"{getattr(err, 'messages', str(err))}")
+            db.session.rollback()
+            return ResponseHelper.error(result_description=str(err))
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            db.session.rollback()
+            return ResponseHelper.internal_server_error()

app/api/services/login.py

@@ -0,0 +1,137 @@
+from flask import session, jsonify
+from app.models.loan import Loan
+from app.utils.logger import logger
+from app.api.services.base_service import BaseService
+from app.api.schemas.eligibility_check import EligibilityCheckSchema
+from marshmallow import ValidationError
+from app.api.enums import TransactionType
+from app.api.integrations import SimbrellaIntegration
+from app.extensions import db
+from app.models import Offer, RACCheck, Members
+from app.api.services.offer_analysis import OfferAnalysis
+from app.api.helpers.response_helper import ResponseHelper
+from werkzeug.security import generate_password_hash, check_password_hash
+from app.api.schemas.login import LoginSchema
+import datetime
+import jwt
+import random
+from app.config import Config
+
+
+class LoginService(BaseService):
+
+    @staticmethod
+    def process_request(data):
+        """
+        Process the Login request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            with db.session.begin():
+
+                validated_data = LoginService.validate_data(data, LoginSchema())
+                username = validated_data.get('username')
+                password = validated_data.get('password')
+
+                member = Members.get_member_by_username(username)
+                # pass22 = generate_password_hash(password)
+                # logger.info("Password generated = >  {}".format(pass22) )
+
+                pass_check =  check_password_hash(member.password, password)
+                logger.info("Password check: {}".format(pass_check))
+                if not member or not pass_check:
+                    invalid_data = {
+                        "error_message": "invalid username or password",
+                        "message_key": "invalid_username_or_password",
+                    }
+                    return ResponseHelper.success(data=invalid_data)
+
+                user_data = {}
+                user_data["id"] = member.id,
+                user_data["member_id"]= member.id,
+                user_data["uid"] = str(member.uid),
+
+                user_token = jwt.encode(
+                        {"user": user_data, 'exp' : datetime.datetime.utcnow() + datetime.timedelta(minutes=3330)},
+                        Config.JWT_SECRET_KEY,
+                        algorithm="HS256"
+                    )
+
+                # Simulate processing
+                response_data = {
+                    "member_id": member.id,
+                    "uid":  str(member.uid),
+                    "username": member.username,
+                    "account_name": member.account_name,
+                    "firstname":member.firstname,
+                    "lastname": member.lastname,
+                    "room":  member.uid,
+                    "token": user_token
+                }
+
+                # user = {}
+                # user_data = {}
+                # user_data["id"] = result_data["member_id"]
+                # user_data["member_id"] =result_data["member_id"]
+                # user_data["uid"] = result_data["uid"]
+
+                # token should expire after 24 hrs
+                # user["token"] = jwt.encode(
+                #     {"user": user_data, 'exp' : datetime.datetime.utcnow() + datetime.timedelta(minutes=3330)},
+                #     Config.JWT_SECRET_KEY,
+                #     algorithm="HS256"
+                # )
+                # user["room"] = result_data["uid"]
+                # response_data = {
+                #     "message": "Successfully fetched auth token",
+                #     "data": user_data
+                # }
+
+                return ResponseHelper.success(data=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:
+            logger.error(f"{getattr(err, 'messages', str(err))}")
+            db.session.rollback()
+            return ResponseHelper.error(result_description=str(err))
+
+        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 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

app/api/services/notification_callback.py

@@ -0,0 +1,47 @@
+from flask import request, jsonify
+from marshmallow import ValidationError
+from app.api.services.base_service import BaseService
+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 
+
+    @staticmethod
+    def process_request(data):
+        """
+        Process the NotificationCallback request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            logger.info("Processing NotificationCallback request")
+
+            # Validate input data using the NotificationCallback schema
+            schema = NotificationCallbackSchema()
+            validated_data = schema.load(data)  # Raises ValidationError if invalid
+
+            return ResponseHelper.success()
+
+        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:
+            logger.error(f"{getattr(err, 'messages', str(err))}")
+            db.session.rollback()
+            return ResponseHelper.error(result_description=str(err))
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            db.session.rollback()
+            return ResponseHelper.internal_server_error()

app/api/services/offer_analysis.py

@@ -0,0 +1,250 @@
+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:
+
+    @staticmethod
+    def get_offer(transaction_id, rac_response, validated_data):
+        customer_id = validated_data.get("customerId")
+        product_id = validated_data.get("productId")
+        offer_id = validated_data.get("offerId")
+
+        transaction_offer_id =  int(offer_id[5:]) # The last part is int
+
+        logger.info(f"customer_id ==  *************** : {customer_id}")
+        logger.info(f"product_id  ==  *************** : {product_id}")
+        logger.info(f"offer_id    ==  *************** : {offer_id}")
+        logger.info(f"transaction_offer_id    ==  *************** : {transaction_offer_id}")
+
+        transaction_offer =  TransactionOffer.is_valid_transaction_offer(transaction_offer_id, customer_id, product_id)
+
+        if not transaction_offer:
+            raise ValueError("Invalid Transaction Offer.")
+
+        eligible_amount =  transaction_offer.eligible_amount
+        offer = Offer.is_valid_offer( transaction_offer.offer_id)
+
+        if not offer:
+            raise ValueError("Invalid Offer.")
+        original_transaction =  transaction_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.")
+
+                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}).")
+                    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
+            })
+
+        return eligible_offers

app/api/services/provide_loan.py

@@ -0,0 +1,198 @@
+from flask import request, jsonify
+from marshmallow import ValidationError
+from app.api.integrations.kafka import KafkaIntegration
+from app.api.services.base_service import BaseService
+from app.api.enums import TransactionType   
+from app.models.customer import Customer
+from app.models.loan_charge import LoanCharge
+from app.utils.logger import logger
+from app.api.schemas.provide_loan import ProvideLoanSchema
+from threading import Thread
+from app.models import Loan, Offer, Charge , TransactionOffer, RACCheck
+from app.api.enums import LoanStatus
+from app.extensions import db
+from datetime import datetime, timezone
+from dateutil.relativedelta import relativedelta
+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 
+
+
+    @staticmethod
+    def process_request(data):
+        """
+        Process the ProvideLoan request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            with db.session.begin():
+                validated_data = ProvideLoanService.validate_data(data, ProvideLoanSchema())
+                account_id = validated_data.get('accountId')
+                customer_id =  validated_data.get('customerId')
+                request_id =  validated_data.get('requestId')
+                collection_type =  validated_data.get('collectionType')
+                transaction_id = validated_data.get('transactionId')
+                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)
+
+                if (ProvideLoanService.validate_account_ownership(account_id = account_id, customer_id = customer_id)): 
+
+                    rac_response = RACCheck.get_rac_check(customer_id = customer_id, account_id = account_id)
+
+                    try:
+                      transaction_offer, offer, eligible_amount, original_transaction = OfferAnalysis.get_offer(
+                            transaction_id=transaction_id,
+                            rac_response=rac_response,  
+                            validated_data=validated_data
+                        )
+                    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.")
+
+                    
+                    # transaction_offer_id =  int(offer_id[5:]) # The last part is int
+
+                    # transaction_offer =  TransactionOffer.is_valid_transaction_offer(transaction_offer_id)
+                    
+                    # if not transaction_offer:
+                    #     logger.error(f"Invalid Transaction Offer")
+                    #     return jsonify({
+                    #         "message": "Invalid Transaction Offer."
+                    #     }), 400
+
+                    # eligible_amount =  transaction_offer.eligible_amount
+                    # offer = Offer.is_valid_offer( transaction_offer.offer_id)
+
+                    # if not offer:
+                    #     logger.error(f"Invalid Offer")
+                    #     return jsonify({
+                    #         "message": "Invalid Offer."
+                    #     }), 400
+                    
+                    
+                    # Log Transaction
+                    transaction = ProvideLoanService.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.")
+                    
+
+                    db.session.flush()
+
+                    charges = ProvideLoanService.calculate_charges(offer, amount)
+                    upfront_fee = charges["upfront_payment"]
+                    repayment_amount = charges["repayment_amount"]
+                    #installment_amount = charges["installment_amount"]
+                    num_schedules = offer.schedule
+
+                    upfront_payment = charges["upfront_payment"]
+                    total_amount = charges["total_amount"]
+                    installment_amount = charges["installment_amount"]
+                    interest = charges["interest"]
+                    management = charges["management"]
+                    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
+                    loan = Loan.create_loan(
+                        customer_id = customer_id,
+                        account_id = account_id,
+                        offer_id = offer_id,
+                        product_id = offer.product_id,
+                        collection_type = collection_type,
+                        transaction_id = validated_data.get('transactionId'),
+                        original_transaction = transaction_offer.original_transaction,
+                        initial_loan_amount = validated_data.get('requestedAmount'),
+                        upfront_fee = upfront_fee,
+                        repayment_amount = repayment_amount,
+                        installment_amount = installment_amount,
+                        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.")
+
+                    db.session.flush()
+                    current_product_id = offer.product_id
+                    schedule = LoanRepaymentSchedule.add_repayment_schedule(loan = loan, num_schedules = num_schedules, transaction_id = transaction_id)
+
+
+                    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.")
+
+                    # charges = Charge.get_offer_charges(offer.id)
+
+                    # 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")
+            
+                
+            
+                response_data = {
+                    "requestId": request_id,
+                    "transactionId": transaction_id,
+                    "loanRef": loan_ref,
+                    "customerId": customer_id,
+                    "accountId": account_id,
+                    "msisdn": customer.msisdn
+                    }
+
+                # KafkaIntegration.send_loan_request(loan_data = response_data, request_id = request_id)
+                # Call Kafka in a background thread
+                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)
+
+        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:
+            logger.error(f"{getattr(err, 'messages', str(err))}")
+            db.session.rollback()
+            return ResponseHelper.error(result_description=str(err))
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            db.session.rollback()
+            return ResponseHelper.internal_server_error()

app/api/services/repayment.py

@@ -0,0 +1,103 @@
+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
+from app.utils.logger import logger
+from app.api.schemas.repayment import RepaymentSchema
+from app.api.services.base_service import BaseService
+from app.api.enums import TransactionType 
+from threading import Thread
+from app.extensions import db
+
+class RepaymentService(BaseService):
+    TRANSACTION_TYPE = TransactionType.REPAYMENT 
+
+    @staticmethod
+    def process_request(data):
+        """
+        Process the Repayment request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        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')
+                account_id = validated_data.get('accountId')
+                loan_ref = validated_data.get('loanRef')
+                # customer = Customer.get_customer_with_loan_list(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
+                    )
+
+                    if not repayment:
+                        logger.error(f"Failed to save repayment details")
+                        return ResponseHelper.error(result_description="Failed to save repayment details.")
+
+                    #Update Loan status
+                    Loan.update_status(loan_id = loan_id, status = LoanStatus.START_REPAY) # repay started bu user
+                    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")
+
+                # 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
+                }
+
+                # Call Kafka in a background thread
+                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)
+
+        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:
+            logger.error(f"{getattr(err, 'messages', str(err))}")
+            db.session.rollback()
+            return ResponseHelper.error(result_description=str(err))
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            db.session.rollback()
+            return ResponseHelper.internal_server_error()

app/api/services/select_offer.py

@@ -0,0 +1,168 @@
+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
+from app.models import Offer
+from datetime import date
+from dateutil.relativedelta import relativedelta
+
+class SelectOfferService(BaseService):
+    TRANSACTION_TYPE = TransactionType.SELECT_OFFER
+
+    @staticmethod
+    def process_request(data):
+        """
+        Process the SelectOffer request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            with db.session.begin():
+                validated_data = SelectOfferService.validate_data(
+                    data, SelectOfferSchema()
+                )
+                account_id = validated_data.get("accountId")
+                customer_id = validated_data.get("customerId")
+                amount = validated_data.get("requestedAmount")
+                product_id = validated_data.get("productId")
+                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
+                ):
+                    transaction = SelectOfferService.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")
+
+                # 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"]
+                installment_amount = charges["installment_amount"]
+                interest = charges["interest"]
+                management = charges["management"]
+                insurance = charges["insurance"]
+                vat = charges["vat"]
+                repayment_amount = charges["repayment_amount"]
+                interest_amount = charges["interest_amount"]
+
+
+                # Calculate the repayment dates
+                tenor = offer.tenor
+                start_date = date.today()
+
+                # Convert tenor to months
+                months = offer.schedule # tenor  // 30
+
+                recommended_repayment_dates = [
+                    (start_date + relativedelta(months=i + 1)).isoformat()
+                    for i in range(months)
+                ]
+
+            
+
+                offers = [
+                    {
+                        "offerId": transaction_offer_id,
+                        "productId": product_id,
+                        "amount": amount,
+                        "upfrontPayment": upfront_payment,
+                        "interestRate": offer.interest_rate,
+                        "interestFee": interest_amount,
+                        "managementRate": offer.management_rate,
+                        "managementFee": management["fee"],
+                        "insuranceRate": offer.insurance_rate,
+                        "insuranceFee": insurance["fee"],
+                        "VATRate": offer.vat_rate,
+                        "VATAmount": vat["fee"],
+                        "recommendedRepaymentDates": recommended_repayment_dates,
+                        "repaymentAmount": repayment_amount,
+                        "installmentAmount": installment_amount,
+                        "totalRepaymentAmount": total_amount,
+                    }
+                ]
+
+                # "offerId": offer.id,
+                # "productId": product_id,
+                # "amount": amount,
+                # "upfrontPayment": upfront_payment,
+                # "interestRate": interest["rate"],
+                # "managementRate": management["rate"],
+                # "managementFee": management["fee"],
+                # "insuranceRate": insurance["rate"],
+                # "insuranceFee": insurance["fee"],
+                # "VATRate": vat["rate"],
+                # "VATAmount": vat["fee"],
+                # "recommendedRepaymentDates": recommended_repayment_dates,
+                # "installmentAmount": installment_amount,
+                # "totalRepaymentAmount": total_amount,
+                #
+                # Business logic - selecting an offer
+                response_data = {
+                    "outstandingDebtAmount": 0,
+                    "requestId": request_id,
+                    "transactionId": transaction_id,
+                    "customerId": customer_id,
+                    "accountId": account_id,
+                    "loan": offers,
+                }
+
+                db.session.commit()
+                return ResponseHelper.success(data=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:
+            logger.error(f"{getattr(err, 'messages', str(err))}")
+            db.session.rollback()
+            return ResponseHelper.error(result_description=str(err))
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            db.session.rollback()
+            return ResponseHelper.internal_server_error()
+