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}