MermsCoreFlask/app/api/services/eligibility_check.py

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