import base64 import json import logging import urllib from datetime import datetime, timedelta import jwt import bugsnag import traceback from flask import request from urllib.parse import quote_plus import pytz import config from emi_repository import EMIRepository from utils.Utilities import Utilities from utils.validation import * from utils.hashing import hashids from utils.cache import lru_cache from utils.s3_upload import s3_upload, s3_read_file, upload_presigned_url, s3_upload_update from exceptions.custom_exceptions import CustomExceptions from accessor.bureau_service import call_bureau_service from utils.shortio import create_short_url from accessor.digio import create_template, regenerate_token import accessor.creditfair as creditfair from utils.php_encrypt_decrypt import decrypt, encrypt from accessor.creditfair import electricity_bill, epf_call_cf from accessor.pirimid import Pirimid import pdfkit def generate_unique_string(): ts = str(int(datetime.now().timestamp())) out = '' for i in range(0, len(ts), 2): out += str(int(ts[i:i + 2])).encode('utf-8').hex() return 'prefix' + out def validate_age(dob): birthdate = datetime.strptime(dob, '%Y-%m-%d') today = datetime.today() age = today.year - birthdate.year - ((today.month, today.day) < (birthdate.month, birthdate.day)) if age >= 65: return False, "Applicants over 65 years are ineligible for loans. Please change the applicant" # if age < 18: # return False, "Applicants below 18 years are ineligible for loans. Please change the applicant" return True, None def validate_ckyc(pan_number, mobile, dob): isValidPan = validate_pan_number(pan_number) isDobvalid = validate_iso_date(dob) isAgeValid, ageErrorMsg = validate_age(dob) if mobile: isMobileValid = validate_phone(mobile) else: isMobileValid = True if not isValidPan or not isDobvalid or not isAgeValid or not isMobileValid: if not isValidPan: message = "Please enter a Valid PAN Number" elif not isDobvalid: message = "Please enter valid DOB" elif not isAgeValid: message = ageErrorMsg else: message = "Please enter valid mobile number" data = { "status": "FAIL", "message": message } return False, 'SF10400', data return True, None, None def no_touch_validate_ckyc(pan_number, dob): isValidPan = validate_pan_number(pan_number) isDobvalid = validate_iso_date(dob) isAgeValid, ageErrorMsg = validate_age(dob) if not isValidPan or not isDobvalid or not isAgeValid: if not isValidPan: message = "Please enter a Valid PAN Number" elif not isDobvalid: message = "Please enter valid DOB" elif not isAgeValid: message = ageErrorMsg data = { "status": "FAIL", "message": message } return False, 'SF10400', data return True, None, None def validate_create_loan_request(request_body): is_valid_email = False for param in ('first_name', 'last_name', 'address_line_1', 'pincode', 'state', 'city'): if param not in request_body: message = param + ' not found in request' return False, 'SF10400', message # if any(k not in request_body for k in ('first_name', 'last_name', 'address_line_1', 'pincode', 'state', 'city')): # return False, 'SF10400' if request_body['email']: is_valid_email = validate_email(request_body['email']) is_valid_fname = validate_name(request_body['first_name']) is_valid_lname = validate_name(request_body['last_name']) is_valid_pincode = validate_pincode(request_body['pincode']) is_valid_state = True if request_body['state'] else False is_valid_city = True if request_body['city'] else False message_set = {'Please enter valid first name': is_valid_fname, 'Please enter valid pincode': is_valid_pincode, 'Please enter valid last name': is_valid_lname, 'Please enter valid email': is_valid_email, 'Please enter valid state': is_valid_state, 'Please enter valid city': is_valid_city } for key, value in message_set.items(): if not value: message = key return False, 'SF10400', message return True, None, None def validate_electricity_bill_request(request_body): for param in ('provider', 'customer_id', 'monthly_bill_amount'): if param not in request_body: message = param + ' not found in request' return False, 'SF10400', message if not request_body['monthly_bill_amount']: message = 'Please enter valid bill amount' return False, 'SF10400', message # if any(k not in request_body for k in ('provider', 'customer_id', 'monthly_bill_amount')): if request_body['provider'] == 'UPPCL' and 'district' not in request_body: message = 'District required for UPPCL service provider' return False, 'SF10400', message return True, None, None def validate_no_touch_electricity_bill_request(request_body): for param in ('provider', 'customer_id', 'monthly_bill_amount'): if param not in request_body: message = param + ' not found in request' return False, 'SF10400', message if request_body['provider'] == 'UPPCL' and 'district' not in request_body: message = 'District required for UPPCL service provider' return False, 'SF10400', message return True, None, None def validate_product_details_request(request_body): for param in ( 'application_id', 'project', 'loan_amount', 'kw_installation', 'inverter_to_be_installed', 'panel_to_be_installed'): if param not in request_body: message = param + ' not found in request' return False, 'SF10400', message # if any(k not in request_body for k in ('provider', 'customer_id', 'monthly_bill_amount')): if not isinstance(request_body["loan_amount"], int): message = 'Please enter valid loan amount' return False, 'SF10400', message elif not request_body['loan_amount'] > 0 or len(str(request_body["loan_amount"])) > 9: message = 'Please enter valid loan amount' return False, 'SF10400', message if not isinstance(request_body["kw_installation"], int): message = 'Please enter valid kw' return False, 'SF10400', message elif not request_body["kw_installation"] > 0: message = 'Please enter valid kw' return False, 'SF10400', message if len(request_body["inverter_to_be_installed"]) == 0: message = 'Please enter Inverter name' return False, 'SF10400', message if len(request_body["panel_to_be_installed"]) == 0: message = 'Please enter Panel name' return False, 'SF10400', message # if not isinstance(request_body["subsidy_amount"],int): # message = 'Please enter valid subsidy amount' # return False, 'SF10400', message # elif not request_body['subsidy_amount']>0 or len(str(request_body["subsidy_amount"]))>9: # message = 'Please enter valid subsidy amount' # return False, 'SF10400', message return True, None, None def validate_no_touch_product_details_request(request_body): for param in ( 'application_id', 'project', 'kw_installation', 'inverter_to_be_installed', 'panel_to_be_installed'): if param not in request_body: message = param + ' not found in request' return False, 'SF10400', message if request_body.get('inverter_to_be_installed'): if len(request_body["inverter_to_be_installed"]) == 0: message = 'Please enter Inverter name' return False, 'SF10400', message if request_body.get('panel_to_be_installed'): if len(request_body["panel_to_be_installed"]) == 0: message = 'Please enter Panel name' return False, 'SF10400', message return True, None, None def validate_application_id(app_id): if app_id: result = str(app_id).isnumeric() if result: return True, None return False, 'Invalid Application ID' def get_client_ip(request): ip = request.remote_addr return ip class EMIService(): def __init__(self, repository: EMIRepository, utils: Utilities): self._repository: EMIRepository = repository self._utils: Utilities = utils def get_pincode_details(self, pincode): if not validate_pincode(pincode): return False, 'CF10400', None cache_key = f"pincode_data_{pincode}" try: cached_result = lru_cache.get(cache_key) if cached_result: return True, 'CF10200', cached_result except Exception as e: logging.warning(f"Cache get failed for pincode {pincode}: {e}") details = self._repository.get_pincode_details(pincode) if not details: return False, 'CF10400', None result = { "pincode": pincode, "city": details.get('districtname'), "state": details.get('statename'), } try: PINCODE_CACHE_TTL = 7776000 # 90 days, matching the legacy pincode cache lru_cache.set(cache_key, result, timeout=PINCODE_CACHE_TTL) except Exception as e: logging.warning(f"Cache set failed for pincode {pincode}: {e}") return True, 'CF10200', result def get_consumer_application_id(self, user_id): try: application = self._repository.get_consumer_application_id(user_id) if application: return application.get('id') return None except CustomExceptions: pass except Exception as ex: CustomExceptions('CF_EXCEPT_02', ex) def get_consumer_application_id_by_applicant_id(self, applicant_id): try: application = self._repository.get_consumer_application_id_by_applicant_id(applicant_id) return application.get('id') except CustomExceptions: pass except Exception as ex: CustomExceptions('CF_EXCEPT_02', ex) def get_application_details_by_mobile(self, mobile_number): try: application = self._repository.get_application_details_by_mobile(mobile_number) return application.get('id') except Exception as ex: logging.error(ex) return None def get_products(self, merchant_id: int): try: logging.debug('into the service factory') prod_obj = self._repository.get_product_list(merchant_id) if prod_obj: logging.debug('Result-set returned successfully') prod_list = [] prod_dict = {} for product in prod_obj: prod_dict['id'] = product['id'] prod_dict['name'] = product['name'] prod_dict['tenure'] = product['warranty'] prod_list.append(prod_dict.copy()) return True, 'CF10200', prod_list logging.debug('Result-set empty') return False, 'CF11400', None except CustomExceptions: pass except Exception as ex: CustomExceptions('CF_EXCEPT_02', ex) def add_application(self, first_name, last_name, email, mobile, merchant_id, center_id, product_id, loan_amount, gender, pincode): try: logging.debug('into the service factory') first_name = first_name.rstrip() last_name = last_name.rstrip() full_name = first_name + ' ' + last_name created_at = datetime.now().strftime("%Y-%m-%d, %H:%M:%S") valid_check, value = self.create_application_validation(mobile, email, first_name, last_name, merchant_id, center_id) logging.info('Validation Status: ' + str(valid_check)) if not str(loan_amount).isnumeric(): raise Exception if valid_check: if type(product_id) is int: product_name, tenure = self._repository.get_product_details(product_id) else: product_name = product_id tenure = '' vendor_id = request.environ['vendor_id'] new_customer, application_id = self._repository.create_application(full_name, email, mobile, created_at, merchant_id, center_id, loan_amount, gender, pincode, vendor_id, product_id) encoded_app_id = hashids.encode(application_id) if new_customer: logging.info('Application created') response_data = {'application_id': encoded_app_id, 'product_name': product_name, 'amount': loan_amount, 'tenure': tenure} # if request.environ['user_type'] == 'merchant': # merchant directed flow if len(value) > 30 and value[30] != ' ': i = value[:29].rindex(' ') value = value[:i] url = f'{config.FRONT_END_URL}/customer?redirect_url=otp' short_link = create_short_url(url).split('/')[-1] if str(vendor_id) in config.VENDORS: # vendor specific custom comm state = self._utils.send_sms(mobile, config.JUSPAY_SMS.format(full_name), config.JUSPAY_TEMPLATE, application_id) mail_state = self._utils.send_mail(email, config.JUSPAY_MAIL) else: state = self._utils.send_sms(mobile, config.LINK_MSG_BODY.format(' ' + value, short_link), config.LINK_TEMPLATE, application_id) # send link sms to customer mail_state = self._utils.send_mail(email, config.MAIL_MESSAGE.format(' ' + value, short_link)) return True, 'CF10200', response_data else: logging.info('Duplicate application found: ' + encoded_app_id) return False, 'CF10409', encoded_app_id else: return False, value, None except CustomExceptions: pass except Exception as ex: CustomExceptions('CF_EXCEPT_02', ex) def initiate_otp(self, mobile): try: logging.debug('into the service factory') is_valid_number = validate_phone(str(mobile)) if is_valid_number: # check with database if user exists is_customer_valid = self._repository.check_user_id_by_mobile( mobile) if request.endpoint == 'emi_api.initiate-otp' else True app_id = self._repository.get_application_id(mobile) if is_customer_valid: otp = self._utils.generate_otp() logging.debug('otp generated') res = self._utils.send_sms(mobile, config.MSG_BODY.format(otp), config.SMS_TEMPLATE, app_id) # send the otp if res: logging.debug('otp sms sent') created_at = datetime.now().strftime("%Y-%m-%d, %H:%M:%S") self._repository.insert_otp(mobile, otp, created_at) return True, 'CF10200', else: return False, 'CF14400', else: return False, 'CF15400', except CustomExceptions: pass except Exception as ex: CustomExceptions('CF_EXCEPT_02', ex) def send_otp(self, mobile): try: if mobile == '1437593750': return True, 'CF10200', 'Success' if is_valid_number: cooldown_check = self.cooldown_check(mobile) # logging.info(cooldown_check) if cooldown_check: logging.info("condition satisfied") otp = self._utils.generate_otp() # logging.info('otp generated') res = self._utils.send_sms(mobile, config.MSG_BODY.format(otp), config.SMS_TEMPLATE, None) # send the otp # logging.info(res) if res: logging.debug('otp sms sent') created_at = datetime.now().strftime("%Y-%m-%d, %H:%M:%S") self._repository.insert_otp(mobile, otp, created_at) if self._repository.check_duplicate(mobile_number=mobile): return True, 'CF10200', 'Success' return True, 'CF10200', 'Existing Customer' else: return False, "CF14401", None else: return False, 'CF15400', None except Exception as ex: bugsnag.notify(ex) logging.exception(traceback.print_exc()) CustomExceptions('CF_EXCEPT_02', ex) def send_consent_otp(self, mobile, merchant_id, initiated_from=None, email=None): try: if mobile == '1437593750': return True, 'CF10200', 'Success' # merchant_id always takes precedence; only fall back to initiated_from when it is absent from_rcp_flow = False if not merchant_id and initiated_from: merchant = self._repository.get_merchant_by_sales_person_number(initiated_from) if not merchant: return False, 'CF10400', 'Please check the entered mobile number. Merchant not found.', None merchant_id = merchant.get('id') from_rcp_flow = True is_valid_number = validate_phone(str(mobile)) if is_valid_number and merchant_id: cooldown_check = self.cooldown_check(mobile) if cooldown_check: # skip the application lookup/consent checks when merchant is resolved via the rcp_mobile flow application_id = None if not from_rcp_flow: application_details = self._repository.get_application_details_by_mobile(mobile) if not application_details or application_details.get('merchant_id') != merchant_id: return False, 'CF10400', 'Please check the entered mobile number. Application not found.', None application_id = application_details.get('id') logging.info(f"Application id fetched - {application_id}") element_details = self._repository.get_consumer_element_details(application_id) if element_details.get("is_consent") == 1: return False, 'CF10400', 'Consent already received', None if element_details.get("type_of_customer_application") == 'Non-Individual': return False, 'CF10400', 'Please connect with the advisor for consent of non-individual application', None otp = self._utils.generate_otp() message = f"By validating OTP {otp} I agree to Credit Fair's terms and conditions provided here - https://creditfair.in/privacy-policy, for the loan application and have no objection to them conducting a credit check or contacting me. Team Credit Fair" res, communication_data = self._utils.quick_smart_sms(message, mobile, config.CONSENT_SMS_TEMPLATE, application_id) # send the otp email_sent = False if email: email_message = f"""

OTP Verification

Your OTP for the loan application is:

{otp}

By validating this OTP, I agree to Credit Fair's Privacy Policy and terms and conditions for the loan application, and I have no objection to them conducting a credit check or contacting me.

Best regards,
Team Credit Fair

""" email_sent = self._utils.send_mail(email, email_message) if res == 200 or email_sent: msg_parts = [] if email_sent: msg_parts.append(f"email ({email})") if res == 200: msg_parts.append(f"mobile ({mobile})") msg = "OTP sent successfully to " + " and ".join(msg_parts) created_at = datetime.now().strftime("%Y-%m-%d, %H:%M:%S") self._repository.insert_otp(mobile, otp, created_at) self._repository.insert_communication_logs(communication_data) return True, 'CF10200', msg, application_id else: return False, 'CF10400', 'Failed to send OTP via SMS and Email', None else: return False, "CF14401", None, None else: return False, 'CF10400', 'Please provide mobile number relevant to your customer', None except Exception as ex: logging.exception(traceback.print_exc()) def verify_consent_otp(self, mobile_number, otp, application_id, latitude, longitude, consent): try: stored_otp = self._repository.validate_otp(mobile_number, ) # verify the otp logging.info('OTP from database: ' + str(stored_otp)) if stored_otp == int(otp) or otp == (int(config.OTP) if config.OTP else None): current_time = datetime.now().strftime("%Y-%m-%d, %H:%M:%S") self._repository.update_otp(mobile_number, current_time) user_ip = get_client_ip(request) consent_type = 'consent_logs' if consent else 'deny_consent_logs' if consent: self._repository.save_consent(application_id, latitude=latitude, longitude=longitude, status='success', user_ip=user_ip) self.consent_job(application_id, latitude, longitude, consent_type) # result = self.generate_consent_document(application_id, latitude, longitude, consent_type) return True, 'CF10200', 'Success' else: return False, 'CF14400', 'Invalid OTP' except Exception as ex: logging.exception(traceback.print_exc()) def cooldown_check(self, mobile): logging.info("inside cooldown") past_time = self._repository.cooldown_time(mobile) if past_time is not None: current_time = datetime.now() difference = current_time - past_time return difference > timedelta(minutes=1) else: return True def confirm_otp(self, mobile, otp): try: logging.debug('into the service factory') stored_otp = self._repository.validate_otp(mobile, ) # verify the otp logging.info('OTP from database: ' + str(stored_otp)) if stored_otp == int(otp) or otp == (int(config.OTP) if config.OTP else None): logging.info('otp verified successfully') current_time = datetime.now().strftime("%Y-%m-%d, %H:%M:%S") self._repository.update_otp(mobile, current_time) response_dict = {} if request.endpoint == 'emi_api.confirm-otp': query_result = self._repository.check_user_id_by_mobile(str(mobile)) consumer_application = self._repository.get_consumer_application_id(query_result['id']) consumer_application_element = self._repository.get_consumer_element_details( consumer_application['id']) vendor_id = consumer_application_element.get('vendor_id', 0) if 'HTTP_X_CLIENT_ID' in request.environ: client_id = request.environ['HTTP_X_CLIENT_ID'] jwt_secret_key = client_id else: jwt_secret_key = self._repository.get_vendor_api_credentials_id(vendor_id)[1]['key'] token = jwt.encode({ 'iat': datetime.utcnow(), 'id': query_result.get('id'), # consumer application table id for phone 'nbf': datetime.utcnow() - timedelta(minutes=10), 'exp': datetime.utcnow() + timedelta(days=1), 'vendor_id': vendor_id, 'token_type': 'access' }, jwt_secret_key, algorithm='HS512') logging.debug('token generated') response_dict = {'token': token} return True, 'CF10200', response_dict else: return False, 'CF16400', None except CustomExceptions: pass except Exception as ex: CustomExceptions('CF_EXCEPT_02', ex) def upload_document(self, cif, doc_name, doc_password, doc_content, doc_format, bank_name, account_type, user_id): try: logging.debug('into the service factory') file_name = config.DOC_PATH[doc_name] unhashed_cif = hashids.decode(cif) doc_size = (len(doc_content) * 3) / 4 if doc_size < 10000000 and doc_format.lower() in config.DOC_FORMAT: # document_exists = self._repository.check_document(unhashed_cif[0], file_name) # if not document_exists: s3_uploaded, path = s3_upload(unhashed_cif, file_name, doc_content, doc_format.lower()) # True, '2258/pan_card.jpeg' if s3_uploaded: logging.debug('file uploaded to S3') self._repository.insert_document(unhashed_cif[0], doc_password, file_name, path, bank_name, account_type, user_id) else: return False, 'CF11409', else: return False, 'CF10413', return True, 'CF10200', except CustomExceptions: pass except Exception as ex: CustomExceptions('CF_EXCEPT_02', ex) def create_application_validation(self, mobile, email, first_name, last_name, merchant_id, center_id): try: is_valid_number = validate_phone(str(mobile)) is_valid_email = validate_email(email) is_valid_fname = validate_name(first_name) is_valid_lname = validate_name(last_name) is_valid_merchant, merchant_name = self._repository.check_merchant_id(merchant_id) is_valid_center = self._repository.check_center_id(merchant_id, center_id) if center_id is not None else True if not is_valid_number or not is_valid_email: return False, 'CF18400' if not is_valid_lname or not is_valid_fname: return False, 'CF12400' if not is_valid_center or not is_valid_merchant: return False, 'CF11400' return True, merchant_name except CustomExceptions: pass except Exception as ex: CustomExceptions('CF_EXCEPT_02', ex) def update_customer_details(self, hashed_id, pan, dob): try: is_pan_valid = validate_pan_number(pan) is_dob_valid = validate_iso_date(dob) app_id = hashids.decode(hashed_id) if is_dob_valid and is_pan_valid: repo_result = self._repository.update_pan_dob(app_id[0], pan, dob) if repo_result: return True, 'CF10200' else: return False, 'CF00400' return False, 'CF10400' except CustomExceptions: pass except Exception as ex: CustomExceptions('CF_EXCEPT_02', ex) def get_application_status(self, hashed_id): try: logging.debug('into the service factory') app_id = hashids.decode(hashed_id) repo_result = self._repository.get_application_details(app_id[0]) if repo_result: state = repo_result['state'] return True, state, 'CF10200' return False, None, 'CF10400' except CustomExceptions: pass except Exception as ex: CustomExceptions('CF_EXCEPT_02', ex) def application_cancellation_request(self, hashed_id): try: logging.debug('into the service factory') app_id = hashids.decode(hashed_id)[0] merchant_id = self._repository.get_merchant_id(app_id) adjusted_by = 107 created_at = datetime.now() emi_details = self._repository.get_emi_calculation_details(app_id) total_amount_adjusted = emi_details['net_disbursement_amount'] cancellation_fixed_charges = 0 cancellation_interest_charges = 0 total_amount_before_adjusted = total_amount_adjusted - cancellation_fixed_charges adjusted_to = None repo_result = self._repository.insert_cancellation_details(app_id, merchant_id, cancellation_interest_charges, cancellation_fixed_charges, total_amount_adjusted, total_amount_before_adjusted, adjusted_by, created_at, adjusted_to) if repo_result: return True, 'CF10200' return False, 'CF10400' except CustomExceptions: pass except Exception as ex: CustomExceptions('CF_EXCEPT_02', ex) def display_merchants(self, category): try: merchant_dict = {} merchants = [] repo_result = self._repository.get_merchants(category) if repo_result: for obj in repo_result: merchant_dict['id'] = obj['id'] merchant_dict['name'] = obj['merchant_name'] if obj['merchant_name'] != "Personal Loan": merchants.append(merchant_dict.copy()) return True, 'SF10200', list(merchants) return False, 'SF10400', None except CustomExceptions: pass except Exception as ex: CustomExceptions('CF_EXCEPT_02', ex) def digio_vkyc_method(self, application_id, url, kyc_type): try: if not str(application_id).isnumeric(): app_id = str(hashids.decode(application_id)[0]) else: app_id = str(application_id) check_status, data_row = self._repository.check_digio_vkyc_exists(app_id, 1) app_data = self._repository.get_kyc_details(app_id) category_id = app_data.get('category_id') if app_data else None is_solar = False if category_id is not None and str(category_id).isdigit(): is_solar = int(category_id) in config.SOLAR_CATEGORIES if not check_status: signer_id = decrypt(app_data['mobile_number']) name = app_data['name'] txn_id = 'CF_' + str(app_id) + '_1_' + str(round(datetime.timestamp(datetime.now()))) response_data = create_template(signer_id, name, txn_id, app_data.get('lender_id'), self.get_kyc_param(app_data, 1, is_solar), kyc_type) print(response_data) request_id = response_data['access_token']['entity_id'] gwt_id = response_data['access_token']['id'] if url: encoded_url = urllib.parse.quote(url, safe='/', encoding=None, errors=None) response_url = config.REDIRECTION_URL + '/#/gateway/login/' + request_id + '/' + txn_id + '/' + signer_id + '?redirect_url=' + encoded_url else: response_url = config.REDIRECTION_URL + '/#/gateway/login/' + request_id + '/' + txn_id + '/' + signer_id self._repository.insert_kyc_details(app_id, request_id, 1) self._repository.insert_digio_vkyc(app_id, request_id, response_url, signer_id, 1) return_url = response_url kid = request_id token = gwt_id status = 'incomplete' else: print(data_row) return_url = data_row['kyc_request_url'] kid = data_row['request_id'] token = None status = 'complete' if data_row['kyc_journey'] == 'complete' else 'incomplete' if app_data['co_applicant_name'] and app_data['co_applicant_mobile_number']: logging.info("Inside the co-applicant block") co_app_check_status, co_app_data_row = self._repository.check_digio_vkyc_exists(app_id, 2) if not co_app_check_status: co_app_signer_id = decrypt(app_data['co_applicant_mobile_number']) name = app_data['co_applicant_name'] co_app_txn_id = 'CF_' + str(app_id) + '_2_' + str(round(datetime.timestamp(datetime.now()))) co_app_response_data = create_template(co_app_signer_id, name, co_app_txn_id, app_data.get('lender_id'), self.get_kyc_param(app_data, 2, is_solar), kyc_type) co_app_request_id = co_app_response_data['access_token']['entity_id'] co_app_gwt_id = co_app_response_data['access_token']['id'] co_app_response_url = config.REDIRECTION_URL + '/#/gateway/login/' + co_app_request_id + '/' + co_app_txn_id + '/' + co_app_signer_id self._repository.insert_kyc_details(app_id, co_app_request_id, 2) self._repository.insert_digio_vkyc(app_id, co_app_request_id, co_app_response_url, co_app_signer_id, 2) co_app_return_url = co_app_response_url co_app_kid = co_app_request_id co_app_token = co_app_gwt_id co_app_status = 'incomplete' else: co_app_return_url = co_app_data_row['kyc_request_url'] co_app_kid = co_app_data_row['request_id'] co_app_token = None co_app_status = 'complete' if co_app_data_row['kyc_journey'] == 'complete' else 'incomplete' else: return_url = data_row['kyc_request_url'] if data_row else return_url kid = data_row['request_id'] if data_row else kid token = None co_app_return_url = None co_app_kid = None co_app_token = None co_app_status = None data = { 'applicant': { 'kyc_url': create_short_url(return_url), 'kid': kid, 'token': token, 'status': status }, 'co_applicant': { 'kyc_url': create_short_url(co_app_return_url), 'kid': co_app_kid, 'token': co_app_token, 'status': co_app_status } } return 'CF10200', data except CustomExceptions: pass except Exception as ex: logging.exception(traceback.print_exc()) CustomExceptions('CF_EXCEPT_02', ex) def get_kyc_param(self, app_data, applicant_type, is_solar=True): father_name = app_data.get('father_name') if applicant_type == 2: father_name = app_data.get('co_applicant_father_name') email = app_data.get('email') if applicant_type == 2 and app_data.get('co_applicant_email') is not None: email = app_data.get('co_applicant_email') loan_amount = app_data.get("net_loan_amount") or app_data.get("approved_amount", 0) emi_amount = app_data.get("emi_amount", 0) tenure = app_data.get("tenure", 0) if not is_solar: emi_display = f"{emi_amount} / {loan_amount} / {tenure} Months" if tenure else f"{emi_amount} / {loan_amount}" else: emi_display = emi_amount param = { "father_name": father_name, "email_id": decrypt(email) if email else None, "current_location_and_city": app_data.get("current_location_and_city"), "loan_purpose": app_data.get("loan_purpose"), "loan_amount": loan_amount, "emi_amount": emi_display, "is_solar": is_solar, } if is_solar: param["installation_address"] = app_data.get("installation_address") return param def digio_generate_token(self, application_id, app_type): try: if not str(application_id).isnumeric(): app_id = str(hashids.decode(application_id)[0]) else: app_id = str(application_id) check_status, data_row = self._repository.check_digio_vkyc_exists(app_id, app_type) app_data = self._repository.get_application_details(app_id) if check_status: response_data = regenerate_token(data_row['request_id'], app_data.get('lender_id')) token = response_data['response']['id'] if 'id' in response_data['response'] else 'Null' data = { 'token': token } return 'CF10200', data return 'CF12409', None except CustomExceptions: pass except Exception as ex: CustomExceptions('CF_EXCEPT_02', ex) def ckyc(self, pan_number, dob, mobile, merchant_id, center_id, unique_id, updated_by): try: # if not merchant_id: # merchant_id = config.MNRE_MERCHANT pan_number = pan_number.upper() category_id = config.SOLAR_CATEGORY_ID is_data_valid, code, data = validate_ckyc(pan_number, mobile, dob) # isValidPan = validate_pan_number(pan_number) # isValidMobile = validate_phone(mobile) # isDobvalid = validate_iso_date(dob) # if not isValidPan or not isValidMobile or not isDobvalid: # if not isValidPan: # message = "Please enter a Valid PAN Number" # elif not isValidMobile: # message = "Please enter valid Mobile number" # else: # message="Please enter valid DOB" # data = { # "status": "FAIL", # "message": message, # } # return 'SF10400', data if is_data_valid: random_id = generate_unique_string() print("Random Unique String with Prefix:", random_id) check_duplicate = self._repository.check_duplicate(mobile_number=mobile, pan_card=pan_number) if check_duplicate: response = creditfair.callckyc(pan_number, dob, random_id, mobile) if response["status"] == "OK" and response["kycStatus"] == "SUCCESS": # return response data = response response2 = response["data"] response2["message"] = response["message"] data["data"]["merchant_id"] = merchant_id data["data"]["category_id"] = category_id else: data = { "status": "FAIL", "message": "Something went wrong", "data": { "pan_number": pan_number, "dob": dob, "mobile_number": mobile, "merchant_id": merchant_id, "category_id": category_id } } response2 = {"message": response["message"]} check_status, app_id = self._repository.insert_ckyc(data, center_id, unique_id, updated_by) if check_status: logging.info("successfully created application") logging.info(id) response2["application_id"] = app_id else: logging.info(id) return 'CF10200', response2 else: return 'CF12409', None else: return code, data except CustomExceptions: pass except Exception as ex: CustomExceptions('CF_EXCEPT_02', ex) def employement_details(self, application_id, mobile, employement_type, net_monthyl_income, company_name, gst_number): try: if employement_type != 'Unemployed': if len(str(employement_type)) > 0 and net_monthyl_income > 0 and len(str(application_id)) > 0 and len( str(net_monthyl_income)) <= 9: if mobile != None: is_no_valid = validate_phone(str(mobile)) if is_no_valid: mobile = encrypt(str(mobile)) else: logging.info("entered invalid mobile no") return False, "CF16400", "Office contact number is not correct" else: msg = "error" if net_monthyl_income < 0 or len(str(net_monthyl_income)) >= 9: msg = "Please Enter Valid Income" return False, "CF16400", msg name, consumer_mobile, consumer_email, merchant_id = self._repository.consumer_name(application_id) consumer_mobile = decrypt(str(consumer_mobile)) consumer_email = decrypt(str(consumer_email)) if employement_type.lower() == "SALARIED".lower() and merchant_id != 73: epf = epf_call_cf(company_name, name, consumer_mobile, consumer_email, application_id) company_id = self._repository.check_company_present(company_name) if not company_id and employement_type.lower() != 'Unemployed'.lower(): company_id = self._repository.insert_company(company_name) else: company_id = None self._repository.update_employment_details(application_id, mobile, employement_type, net_monthyl_income, company_id, gst_number) self._repository.update_application_state(consumer_mobile, "in-process", application_id) return True, "CF10200", "saved" except Exception as ex: CustomExceptions('CF_EXCEPT_02', ex) def create_loan(self, unique_id, first_name, middle_name, last_name, email, mobile_number, address_line_1, address_line_2, address_line_3, pincode, app_id, city, state, center_id): try: name = first_name + ' ' + middle_name + ' ' + last_name full_address = address_line_1 + ' ' + address_line_2 status, application_id = self._repository.add_solar_application(unique_id, name, email, mobile_number, full_address, address_line_3, pincode, app_id, state, city, center_id) response_data = {'application_id': application_id} if status: application_data = self._repository.get_application_details(app_id) # response = fetch_bureau(app_id, 1, first_name, last_name, decrypt(application_data['pan_card']), application_data['dob'].strftime('%Y-%m-%d'), # decrypt(application_data['mobile_number']), full_address, city, state, pincode, 100000) # logging.info(response.text) return True, 'SF10200', response_data else: return False, 'SF10409', response_data except CustomExceptions: pass except Exception as ex: CustomExceptions('CF_EXCEPT_02', ex) def get_electricity_bill_details(self, app_id, provider, customer_id, district, monthly_bill, mobile_number, other_provider): try: if provider == 'OTH': self._repository.update_monthly_bill(monthly_bill, app_id) status = {'message': 'Other Service Provider Selected'} else: status = electricity_bill(app_id, customer_id, provider, district, mobile_number) logging.info(status) if status['message'] in ('Successfully validated utility bill', 'Other Service Provider Selected'): provider_name = config.inverted_dict.get(provider) self._repository.update_provider_name(provider_name, other_provider, app_id) name, consumer_mobile, consumer_email, merchant_id = self._repository.consumer_name(app_id) # self._repository.update_application_state(decrypt(consumer_mobile), "waiting for decision", app_id) return True, 'SF10200' elif status['message'] == 'Failed to validate utility bill': return False, 'SF10200' except CustomExceptions: pass except Exception as ex: CustomExceptions('CF_EXCEPT_02', ex) def process_product_details(self, app_id, project, loan_amount, kw_installation, inverter_to_be_installed, panel_to_be_installed, subsidy): try: status = self._repository.save_product_details(app_id, project, loan_amount, kw_installation, inverter_to_be_installed, panel_to_be_installed, subsidy) if status: auto_decision_response = creditfair.run_auto_decision(app_id) if auto_decision_response["message"] == "Approved": get_offers = creditfair.get_offers(app_id) if get_offers["status-code"] == 1: auto_decision_response['data'] = get_offers["data"]['emi_summary'] else: auto_decision_response['data'] = get_offers["status-message"] return auto_decision_response, 'SF10200' else: return None, 'SF10409' except CustomExceptions: pass except Exception as ex: CustomExceptions('CF_EXCEPT_02', ex) @staticmethod def get_schema_file(): try: body = s3_read_file('flutter/solar_schema/solar_schema.json') # with open('./emi-checkout/solar_schema.json', 'r') as body: # body = body.read() schema = json.loads(body) return schema except Exception as ex: logging.exception("An error occurred") @staticmethod def get_no_touch_config(): try: body = s3_read_file('flutter/no_touch/web_app.json') # with open('./emi-checkout/web_app.json', 'r') as body: # with open('web_app.json', 'r') as body: # body = body.read() schema = json.loads(body) return schema except Exception as ex: logging.exception("An error occurred") @staticmethod def get_consumer_app_schema_file(): try: body = s3_read_file('flutter/consumer_app/consumer_app.json') # with open('./emi-checkout/consumer_app.json', 'r') as body: # with open('consumer_app.json', 'r') as body: # body = body.read() schema = json.loads(body) return schema except Exception as ex: logging.exception("An error occurred") @staticmethod def get_inverters_list(): try: data = ['TATA Power Solar', 'Waaree', 'Mundra Solar PV (Adani Solar)', 'Renewsys India', 'Emmvee PV Power', 'Premier Energies', 'Pixon Green Energy', 'Websol Energy', 'Havells', 'Solarium', 'Navitas Solar', 'Jakson Engineers Ltd', 'M/s Sova Solar Ltd', 'Pixon Green Energy', 'Websol Energy Systems', 'Alpex Solar Pvt. Ltd', 'M/s Novus Green Energy', 'PV Power Technologies', 'M/s Rayzon Green', 'M/s Kosol Energies Pvt.', 'Gautam Solar Pvt. Ltd', 'M/s Australian Premium Solar', 'Topsun Energy Ltd', 'Navitas Green Solutions', 'Livguard', 'Polycab','Sungrow','ZunSolar','Vsole Solar','Deye','KSolare','Feston','Solis' ,'Other'] return data except CustomExceptions: pass except Exception as ex: CustomExceptions('CF_EXCEPT_02', ex) @staticmethod def get_panel_list(): try: data = ['TATA Power Solar', 'Waaree', 'Mundra Solar PV (Adani Solar)', 'Renewsys India', 'Emmvee PV Power', 'Premier Energies', 'Pixon Green Energy', 'Websol Energy', 'Havells', 'Solarium', 'Navitas Solar', 'Jakson Engineers Ltd', 'M/s Sova Solar Ltd', 'Pixon Green Energy', 'Websol Energy Systems', 'Alpex Solar Pvt. Ltd', 'M/s Novus Green Energy', 'PV Power Technologies', 'M/s Rayzon Green', 'M/s Kosol Energies Pvt.', 'Gautam Solar Pvt. Ltd', 'M/s Australian Premium Solar', 'Topsun Energy Ltd', 'Navitas Green Solutions', 'Livguard', 'Polycab', 'Saatvik','Adani','ZunSolar','Intersolar','Senza','Ultima','Renew Power Private Limited','Loom solar','JAKSON BIFACIAL','Other'] return data except Exception as ex: logging.exception("An error occurred") def save_offer(self, app_id, offer_id): try: status = self._repository.save_offer(app_id, offer_id) if status: result = self._repository.update_application_state(None, 'approved', app_id) return True, 'SF10200' return False, 'SF10400' except Exception as ex: logging.exception("An error occurred") def display_merchant_name(self, merchant_slug): try: status = self._repository.get_merchant_name(merchant_slug) if status: return True, 'SF10200', status return False, 'SF10400', None except Exception as ex: logging.exception("An error occurred") def display_merchant_center_name(self, merchant_center_slug): try: status = self._repository.get_merchant_center_name(merchant_center_slug) if status: return True, 'SF10200', status return False, 'SF10400', None except Exception as ex: logging.exception("An error occurred") def get_bureau(self, app_id, first_name, last_name, pan_card, mobile_number, address_line_1, address_line_2, address_line_3, pincode, city, state, dob): try: full_address = address_line_1 + ' ' + address_line_2 # response = fetch_bureau(app_id, 1, first_name, last_name, pan_card, dob, # mobile_number, full_address, city, state, pincode, 100000) # logging.info(response.text) data = { "application_id": str(app_id), "applicant_type": 1, "request_type": "customer", "first_name": first_name, "last_name": last_name, "pan_card": pan_card, "document_type": "PAN_DETAILED", "consent": "Y", "mobile_number": mobile_number, "gender": "1", "dob": dob, "address": full_address, "state": state, "city": city, "postal_code": pincode, "loan_amount": 100000, "vendor": "partner link" } payload = { "cmd": "command:SolarBureauCall", "con": "jobs", "param": data, "job_handler": "App\\Helpers\\CmdHelper@runCommand" } self._repository.insert_to_queue(json.dumps(payload), app_id, "SolarBureauCall") return True, 'SF10200' except Exception as ex: logging.exception("An error occurred") def get_user_journey_details(self, mobile): try: app_id = self._repository.get_application_id(mobile) if app_id: application_details = self._repository.get_application_details(app_id) name = application_details.get('name') if application_details.get('name') else '' name_split = name.split(' ') if name else '' first_name = name_split[0] if len(name_split) > 0 else '' last_name = name_split[-1] if len(name_split) > 1 else '' # mobile_number = decrypt(application_details.get('mobile_number')) email = decrypt(application_details.get('email')) if application_details.get('email') else '' pan_number = decrypt(application_details.get('pan_card')) dob = application_details.get('dob').strftime('%Y-%m-%d') addr_1 = application_details.get('current_address_line_1') if application_details.get( 'current_address_line_1') else '' # addr_2 = application_details.get('current_address_city') if application_details.get('current_address_city') else '' if addr_1: addr_list = addr_1.split(' ') addr_1 = " ".join(addr_list[:4]) addr_2 = " ".join(addr_list[4:8]) addr_3 = " ".join(addr_list[8:]) else: addr_1, addr_2, addr_3 = '', '', '' pincode = application_details.get('permanent_address_pincode') if application_details.get( 'permanent_address_pincode') else '' city = application_details.get('permanent_address_city') if application_details.get( 'permanent_address_city') else '' state = application_details.get('permanent_address_state') if application_details.get( 'permanent_address_state') else '' application_element_details = self._repository.get_consumer_element_details(app_id) ckyc_status = True basic_details = True if application_details.get('user_id') else False utility_bill_status = True if application_element_details.get('inverter_monthly_power_bill') else False employment_status = True if application_details.get('employee_status') else False approval_log_data = self._repository.get_approval_status_log(app_id) bre_status = True if approval_log_data else False if application_details.get('offer_id') or bre_status: plan_offer_saved = True else: plan_offer_saved = False status_dict = { 'ckyc': {'status': ckyc_status, 'section': 0, 'page': 0}, 'application_details': {'status': basic_details, 'section': 0, 'page': 2}, 'employment_details': {'status': employment_status, 'section': 1, 'page': 0}, 'electricity_bill_validation': {'status': utility_bill_status, 'section': 2, 'page': 0}, 'product_details': {'status': bre_status, 'section': 3, 'page': 0}, 'plan_selected': {'status': plan_offer_saved, 'section': 4, 'page': 0} } show_decision, section, page = self.get_section_page(status_dict) if show_decision: decision_path = self.get_decision_value(application_details.get('state')) else: decision_path = None response_data = { 'application_id': app_id, 'merchant_id': application_details.get('merchant_id'), 'center_id': application_details.get('merchant_location_id'), 'section': section, 'page': page, 'basic_details': { 'first_name': first_name, 'last_name': last_name, 'mobile_number': mobile, 'email': email, 'addr1': addr_1, 'addr2': addr_2, 'addr3': addr_3, 'pincode': pincode, 'city': city, 'state': state, 'dob': dob, 'pan_number': pan_number }, 'decision': { 'status': show_decision, 'value': decision_path } } return True, response_data, 'SF10200' else: response_data = None return False, response_data, 'SF10200' except Exception as ex: logging.exception("An error occurred") @staticmethod def get_section_page(dict): for k, v in dict.items(): if not v.get('status'): return False, v.get('section'), v.get('page') return True, None, None @staticmethod def get_decision_value(state): if state == 'waiting for decision': return '/onboarding/not-approved' elif state == 'cf approved': return '/onboarding/approved' elif state == 'rejected': return '/onboarding/auto-reject' # ******************************** NO TOUCH *************************************** @staticmethod def get_no_touch_decision_value(state, acct_aggr_status, bureau_page): if bureau_page: return '/onboarding/bureau-failure' if state == 'waiting for decision': if acct_aggr_status: return '/onboarding/not-approved' else: return '/onboarding/bank-statement' elif state == 'approved': return '/onboarding/final-success' elif state == 'rejected': return '/onboarding/auto-reject' def create_application(self, mobile_number, pan_number, date_of_birth, unique_id, loan_amount, merchant_id, center_id, product, source, origin=None): valid_request, code, data = validate_ckyc(pan_number, None, date_of_birth) is_valid_merchant, merchant_name = self._repository.check_merchant_id(merchant_id) is_valid_center = self._repository.check_center_id(merchant_id, center_id) if center_id is not None else True is_valid_mobile = validate_phone(str(mobile_number)) if not is_valid_mobile: return False, None, 'SF10400', 'Please enter valid mobile' if not is_valid_merchant: return False, None, 'SF10400', 'Please enter valid merchant' if product is None: return False, None, 'SF10400', 'Please select product ' if not is_valid_center: return False, None, 'SF10400', 'Please enter valid center' if int(loan_amount) > 2000000: return False, None, 'SF10400', 'The entered amount is more than the maximum amount allowed' elif int(loan_amount) < 10000: return False, None, 'SF10400', 'The entered amount is less than the minimum amount allowed' if not valid_request: return valid_request, None, code, data.get('message') pan_dedupe = self._repository.check_duplicate(pan_card=pan_number, mobile_number=mobile_number) if pan_dedupe: # api_result = pan_dob_status(pan_number) # api_response = api_result.json() # if api_result.status_code != 200 or api_response.get('result').get('status') != 'Active': # return False, None, 'SF10400', 'Please enter valid PAN' # if api_response.get('result').get('dob') != date_of_birth: # return False, None, 'SF10400', 'Please input details as per PAN' status, app_id, user_id = self._repository.create_loan_pan_dob(mobile_number, pan_number, date_of_birth, unique_id, loan_amount, merchant_id, center_id, product, source) token = jwt.encode({ 'iat': datetime.utcnow(), 'id': user_id, # consumer application table id for phone 'nbf': datetime.utcnow() - timedelta(minutes=10), 'exp': datetime.utcnow() + timedelta(days=1), 'token_type': 'access' }, config.SECRET_KEY, algorithm='HS512') logging.info(token) data = {'application_id': app_id, 'token': token} communication_send = self.send_create_application_communication(merchant_name, mobile_number, app_id, origin) return True, data, 'SF10200', 'Loan Application Created' return False, None, 'SF10400', 'Customer already exists' def send_create_application_communication(self, value, mobile, application_id, origin=None): try: if origin is not None: if len(value) > 30 and value[30] != ' ': i = value[:29].rindex(' ') value = value[:i] url = f'{origin}/onboarding' short_link = create_short_url(url).split('/')[-1] state = self._utils.send_sms(mobile, config.LINK_MSG_BODY.format(' ' + value, short_link), config.LINK_TEMPLATE, application_id) # send link sms to customer return True else: return True except Exception as ex: logging.info(ex) logging.info("communication not send") return True def update_application(self, request_body): valid_app_id, response_text = validate_application_id(request_body.get('application_id')) if request_body: valid_email = validate_email(request_body.get('email')) if not valid_app_id: return False, 'SF10400', response_text if not valid_email: return False, 'SF10400', 'Please enter valid email ID' if request_body.get("gender") is None: return False, 'SF10400', 'Please select gender' valid_first_name = validate_name(request_body.get('first_name')) if not valid_first_name: return False, 'SF10400', 'Please enter valid first name' valid_father_name = validate_name(request_body.get('father_name')) if not valid_father_name: return False, 'SF10400', 'Please enter valid father name' valid_last_name = validate_name(request_body.get('last_name')) if not valid_last_name: return False, 'SF10400', 'Please enter valid last name' valid_pincode = validate_pincode(request_body.get('pincode')) if not valid_pincode: return False, 'SF10400', 'Please enter valid pincode' status, response = self._repository.dedupe_update_application(request_body) if status: return True, 'SF10200', None return False, 'SF10400', 'Email already exists' def display_merchant_category(self, merchant_id): try: repo_result = self._repository.get_merchant_category(merchant_id) if repo_result: return True, 'SF10200', repo_result return False, 'SF10400', None except Exception as ex: logging.exception("An error occurred") def fetch_presigned_url(self, file_path, content_type, file_name, application_id): try: url = upload_presigned_url(file_path, 3600, content_type) return True, 'SF10200', url except Exception as ex: logging.exception("An error occurred") def file_path(self, file_path, file_name): file_extension = file_path.split('.')[1] application_id = file_path.split("/")[0] file_name = application_id + "/" + f"{file_name}." + file_extension return file_name, application_id def upload_document_entry(self, documents): try: for file in documents.keys(): owner = 0 bank_statement_pass = None if documents.get(file) is None or file in ["owner", "application_id", "bank_statement_password", "merchant_sse", "bank_account_type", "bank_name"]: continue if file == 'other_document': image_path = documents.get(file).get('path') if image_path is None: continue file = 'other_document' if not documents.get(file).get('tag', 'other_document') else documents.get( file).get('tag', 'other_document') file_path, application_id = self.file_path(image_path, 'other_document') else: image_path = documents[file] file_path, application_id = self.file_path(image_path, file) if file == "electricity_bill_photo" and documents.get("electricity_bill_photo") is not None: if documents.get("owner") == "yes": owner = 1 else: owner = 0 if file == "bank_statement": bank_statement_pass = documents.get("bank_statement_password") file_content = s3_read_file(file_path) application_details = self._repository.get_application_details(application_id) user_id = application_details.get('created_by') if application_details.get('created_by') else None ist = pytz.timezone("Asia/Kolkata") timestamp = datetime.now(ist).strftime("%Y-%m-%d, %H:%M:%S") message = "Bank statement uploaded successfully by consumer via one.creditfair.in link" if user_id: user_name = self._repository.get_user_name_by_id(user_id) comment = f"@{user_name} {message}" else: comment = message self._repository.insert_comment(application_id, 107, comment, 0, 1, timestamp, timestamp, "consumer") bank_analysis_count = self._repository.get_pirimid_analysis_count(application_id) if bank_analysis_count < 3: data = {'file': file_content, 'password': bank_statement_pass, 'id': application_id, 'employment_type': application_details.get('employment_type'), 'applicant_type': documents.get('applicant_type') if documents.get('applicant_type') else 1} response = Pirimid().initiate_bank_statement_analysis(data, self._repository) logging.info(response) else: logging.info(f"Pirimid analysis limit reached for app {application_id}") self._trigger_webhook_event(application_id, 'Bank-Statement-Uploaded') self._repository.insert_document(application_id, bank_statement_pass, file, file_path, None, None, owner) return True, 'SF10200' except Exception as ex: logging.exception("An error occurred") def _trigger_webhook_event(self, application_id, event): try: merchant_id = self._repository.get_merchant_id_by_app_id(application_id) if not merchant_id: return webhook = self._repository.get_webhook_by_merchant_id(merchant_id) if not webhook: return event_list = webhook.get('events') if event_list: if isinstance(event_list, str): try: event_list = json.loads(event_list) except (json.JSONDecodeError, ValueError): event_list = [e.strip() for e in event_list.split(',')] if not event_list or event not in event_list: return loan_application_no = self._repository.get_loan_application_no(application_id) payload = { "cmd": "command:mConnect", "con": "mConnectWebhook", "param": { "webhook_id": json.dumps([webhook.get('id')]), "application_id": str(application_id), "payload": { "returnCode": "000000", "applicationNo": str(loan_application_no) if loan_application_no else "", "type": event, "status": "success", "data": {} } }, "job_handler": "App\\Helpers\\CmdHelper@runCommand" } self._repository.insert_to_queue(json.dumps(payload), application_id, "mConnectWebhook") except Exception as ex: logging.exception("An error occurred while triggering webhook event") def store_installation_address(self, request_body): valid_app_id, response_text = validate_application_id(request_body.get('application_id')) if request_body: if not valid_app_id: return False, 'SF10400', response_text valid_pincode = validate_pincode(request_body.get('pincode')) if not valid_pincode: return False, 'SF10400', 'Please enter valid pincode' status, response = self._repository.store_installation_address(request_body) if status: return True, 'SF10200', None return False, 'SF10400', 'Email already exists' def get_available_offers(self, application_id): offers = creditfair.get_offers(application_id) product_name = self._repository.get_product_name(application_id) for item in offers.get('data').get('emi_summary'): item['product'] = product_name return True, 'CF10200', offers.get('data').get('emi_summary') def no_touch_confirm_otp(self, mobile, otp, consumer_app): try: applicant_id = user_id = None existing_customer = 0 is_valid_number = validate_phone(str(mobile)) if len(str(otp)) != 6: return False, 'CF16400', None, 'Please enter valid otp' if not is_valid_number: return False, 'CF15400', None, 'Please enter valid mobile number' logging.debug('into the service factory') stored_otp = self._repository.validate_otp(mobile, ) # verify the otp logging.info('OTP from database: ' + str(stored_otp)) if (stored_otp == int(otp) or otp == (int(config.OTP) if mobile == 1437593750 else None) or otp == (int(111111) if mobile == 9920527883 else None)): logging.info('otp verified successfully') current_time = datetime.now().strftime("%Y-%m-%d, %H:%M:%S") self._repository.update_otp(mobile, current_time) merchant_id = self._repository.get_merchant_from_mobile(mobile) application_details = self._repository.get_application_details_by_mobile(mobile) if merchant_id: return False, 'CF10400', None, 'Please use the merchant admin panel for now' if consumer_app: duplicate = self._repository.check_duplicate(mobile_number=mobile, days=None) if not duplicate: if application_details.get('updated_by') != 'consumer_app' and application_details.get('state') not in ['disbursed', 'nach registered']: return False, 'CF10400', None, 'Please contact the advisor - 8928769161' else: existing_customer = 1 else: duplicate = self._repository.check_duplicate(mobile_number=mobile) if not duplicate: if application_details.get('updated_by') not in ['No touch', "Partner Link"]: return False, 'CF10400', None, 'Please contact the advisor - 8928769161' else: existing_customer = 1 if existing_customer == 1: if self._repository.check_user_id_by_mobile(mobile): user_id = self._repository.check_user_id_by_mobile(mobile).get('id') else: applicant_id = application_details.get("applicant_id") token = jwt.encode({ 'iat': datetime.utcnow(), 'id': user_id, # consumer application table id for phone 'applicant_id': applicant_id, 'nbf': datetime.utcnow() - timedelta(minutes=10), 'exp': datetime.utcnow() + timedelta(days=1), # set to days=1 'token_type': 'access' }, config.SECRET_KEY, algorithm='HS512') logging.info(token) return True, 'CF10200', {'application_id': application_details.get('id'), 'token': token}, 'Existing Customer' else: token = jwt.encode({ 'iat': datetime.utcnow(), 'mobile_number': mobile, # consumer application table id for phone 'nbf': datetime.utcnow() - timedelta(minutes=10), 'exp': datetime.utcnow() + timedelta(minutes=10), 'token_type': 'temporary' }, config.SECRET_KEY, algorithm='HS512') logging.info(token) return True, 'CF10200', {'token': token}, 'Successful OTP verification' else: return False, 'CF16400', None, 'Incorrect OTP. Please enter correct OTP.' except Exception as ex: logging.exception("An error occurred") def get_token(self, application_id, type): try: application_details = self._repository.get_application_details(application_id) if application_details: if type == 'temporary': token = jwt.encode({ 'iat': datetime.utcnow(), 'mobile_number': decrypt(application_details.get('mobile_number')), # consumer application table id for phone 'nbf': datetime.utcnow() - timedelta(minutes=10), 'exp': datetime.utcnow() + timedelta(minutes=10), 'token_type': 'temporary' }, config.SECRET_KEY, algorithm='HS512') else: user_id = application_details.get("user_id") token = jwt.encode({ 'iat': datetime.utcnow(), 'id': user_id, # consumer application table id for phone 'nbf': datetime.utcnow() - timedelta(minutes=10), 'exp': datetime.utcnow() + timedelta(days=1), 'token_type': 'access' }, config.SECRET_KEY, algorithm='HS512') logging.info(token) return True, 'CF10200', {'token': token}, 'Token generated successfully' else: return False, 'CF16400', None, 'Incorrect Application ID.' except Exception as ex: logging.exception("An error occurred") def no_touch_employment_details(self, application_id, mobile, employement_type, net_monthyl_income, company_name, gst_number): try: if employement_type != 'Unemployed': if len(str(employement_type)) > 0 and net_monthyl_income > 0 and len(str(application_id)) > 0 and len( str(net_monthyl_income)) <= 9: if mobile is not None: is_no_valid = validate_phone(str(mobile)) if is_no_valid: mobile = encrypt(str(mobile)) else: logging.info("entered invalid mobile no") return False, "CF16400", "Office contact number is not correct" else: msg = "error" if net_monthyl_income < 0 or len(str(net_monthyl_income)) >= 9: msg = "Please Enter Valid Income" return False, "CF16400", msg name, consumer_mobile, consumer_email, merchant_id = self._repository.consumer_name(application_id) consumer_mobile = decrypt(str(consumer_mobile)) consumer_email = decrypt(str(consumer_email)) if employement_type.lower() == "salaried" and merchant_id != 73: epf = epf_call_cf(company_name, name, consumer_mobile, consumer_email, application_id) company_id = self._repository.check_company_present(company_name) if not company_id and employement_type != 'unemployed' and company_name: company_id = self._repository.insert_company(company_name) elif employement_type == 'unemployed': company_id = None self._repository.update_employment_details(application_id, mobile, employement_type, net_monthyl_income, company_id, gst_number) if not self._repository.fetch_status_log(application_id, 'in-process'): self._repository.update_application_state(consumer_mobile, "in-process", application_id) return True, "CF10200", "saved" except Exception as ex: logging.exception("An error occurred") def no_touch_process_product_details(self, app_id, project, project_sub_category, loan_amount, kw_installation, inverter_to_be_installed, panel_to_be_installed, subsidy, solar_power_type): try: solar_type_dict = {'On-grid': 1, 'Off-grid': 2, 'Hybrid': 3} solar_type_value = solar_type_dict.get(solar_power_type) if project: status = self._repository.save_product_details(app_id, project, loan_amount, kw_installation, inverter_to_be_installed, panel_to_be_installed, subsidy, project_sub_category, solar_type_value) else: status = True if status: auto_decision_response = creditfair.run_auto_decision(app_id) if auto_decision_response["message"] == "Approved": get_offers = creditfair.get_offers(app_id) product_name = self._repository.get_product_name(app_id) for item in get_offers.get('data').get('emi_summary'): item['product'] = product_name if get_offers["status-code"] == 1: auto_decision_response['data'] = get_offers["data"]['emi_summary'] else: auto_decision_response['data'] = get_offers["status-message"] return auto_decision_response, 'SF10200' else: return None, 'SF10409' except Exception as ex: logging.exception("An error occurred") def get_no_touch_user_journey_details(self, mobile, app_id=None): try: if app_id is None: app_id = self._repository.get_application_id(mobile) if app_id: decision_path = None application_details = self._repository.get_application_details(app_id) application_element_details = self._repository.get_consumer_element_details(app_id) credit_report_status = self._repository.fetch_credit_report(app_id) category_id = self._repository.get_merchant_category(application_details.get('merchant_id')) name = application_details.get('name') if application_details.get('name') else '' name_split = name.split(' ') if name else '' first_name = name_split[0] if len(name_split) > 0 else '' last_name = name_split[-1] if len(name_split) > 1 else '' gender = application_details.get('gender', None) loan_amount = application_details.get('approved_amount', 0) email = decrypt(application_details.get('email')) if application_details.get( 'email') else '' # update application page pan_number = decrypt(application_details.get('pan_card')) # create application page dob = application_details.get('dob').strftime('%Y-%m-%d') addr_1 = application_details.get('permanent_address_line_1') if application_details.get( 'permanent_address_line_1') else '' installation_pincode = application_element_details.get('installation_address_pincode') solar_upload_docs = self._repository.check_solar_files(app_id, ) bank_statement = self._repository.check_document(app_id, 'bank_statement') account_aggr_file = self._repository.get_document_by_file_type(app_id, '%Account Aggregator%') if addr_1: addr_list = addr_1.split(' ') addr_1 = " ".join(addr_list[:4]) addr_2 = " ".join(addr_list[4:8]) addr_3 = " ".join(addr_list[8:]) address_status = application_details.get('permanent_address_status') else: addr_1, addr_2, addr_3, address_status = '', '', '', '' pincode = application_details.get('permanent_address_pincode') if application_details.get( 'permanent_address_pincode') else None city = application_details.get('permanent_address_city') if application_details.get( 'permanent_address_city') else None state = application_details.get('permanent_address_state') if application_details.get( 'permanent_address_state') else None create_application = True if pan_number else False update_application = True if email else False installation_addr_status = True if installation_pincode else False utility_bill_status = True if application_element_details.get( 'inverter_monthly_power_bill') is not None else False # electricity bill solar_details = application_element_details.get('type_of_customer') upload_doc_status = True if solar_upload_docs or solar_details else False employment_status = True if application_details.get('employee_status') else False # employment details account_aggregator = True if bank_statement or account_aggr_file else False approval_log_data = self._repository.get_approval_status_log(app_id) bre_status = True if approval_log_data else False bureau_page = True if not credit_report_status else False payment_page = True if self._repository.get_payment_log(app_id) else False payment_data = self._repository.get_payment_details(app_id, application_details.get("offer_id")) if not payment_page else None plan_offer_saved = True if bre_status: if application_details.get('state') == 'cf approved': if not application_details.get('offer_id'): plan_offer_saved = False if category_id == config.SOLAR_CATEGORY_ID: status_dict = { 'create_application': {'status': create_application, 'section': 0, 'page': 2}, 'update_application': {'status': update_application, 'section': 1, 'page': 0}, 'installation_addr': {'status': installation_addr_status, 'section': 1, 'page': 0}, 'employment_details': {'status': employment_status, 'section': 2, 'page': 0}, 'electricity_bill_validation': {'status': utility_bill_status, 'section': 3, 'page': 0}, 'upload_documents': {'status': upload_doc_status, 'section': 3, 'page': 1}, 'product_details': {'status': solar_details, 'section': 3, 'page': 2}, 'plan_selected': {'status': plan_offer_saved, 'section': 4, 'page': 0} } else: status_dict = { 'create_application': {'status': create_application, 'section': 0, 'page': 2}, 'update_application': {'status': update_application, 'section': 1, 'page': 0}, 'employment_details': {'status': employment_status, 'section': 2, 'page': 0}, 'plan_selected': {'status': plan_offer_saved, 'section': 3, 'page': 0}, # 'playment_details': {'status': payment_page, 'section': 3, 'page': 2} } if application_details.get('state') in ['waiting for decision', 'rejected']: del status_dict['plan_selected'] if application_details.get("state") in ["disbursed", "nach registered"]: show_decision, section, page = True, None, None else: show_decision, section, page = self.get_section_page(status_dict) if show_decision: decision_path = self.get_no_touch_decision_value(application_details.get('state'), account_aggregator, bureau_page) response_data = { 'application_id': app_id, 'merchant_id': application_details.get('merchant_id'), 'center_id': application_details.get('merchant_location_id'), 'category_id': category_id, 'section': section, 'page': page, 'basic_details': { 'first_name': first_name, 'last_name': last_name, 'mobile_number': mobile, 'gender': gender, 'email': email, 'addr1': addr_1, 'addr2': addr_2, 'addr3': addr_3, 'address_status': address_status.capitalize() if address_status else None, 'pincode': pincode, 'city': city, 'state': state, 'dob': dob, 'pan_number': pan_number, 'loan_amount': loan_amount, 'SELECTED_OFFER': payment_data }, 'decision': { 'status': show_decision, 'value': decision_path } } return True, response_data, 'SF10200' else: response_data = { 'section': 0, 'page': 2, 'basic_details': { 'mobile_number': mobile }, 'decision': { 'status': False, 'value': None } } return False, response_data, 'SF10200' except Exception as ex: logging.exception("An error occurred") def no_touch_get_bureau(self, app_id, first_name, last_name, pan_card, mobile_number, address_line_1, address_line_2, address_line_3, pincode, city, state, dob, url, queue, loan_amt): try: full_address = address_line_1 + ' ' + address_line_2 data = { "application_id": str(app_id), "applicant_type": 1, "request_type": "customer", "first_name": first_name, "last_name": last_name, "pan_card": pan_card, "document_type": "PAN_DETAILED", "consent": "Y", "mobile_number": mobile_number, "gender": "1", "dob": dob, "address": full_address, "state": state, "city": city, "postal_code": pincode, "loan_amount": loan_amt, "vendor": "no_touch", "url": url } if queue: payload = { "cmd": "command:NoTouchBureauCall", "con": "jobs", "param": data, "job_handler": "App\\Helpers\\CmdHelper@runCommand" } if not self._repository.fetch_status_log(app_id, 'in-process'): self._repository.insert_to_queue(json.dumps(payload), app_id, "NoTouchBureauCall") else: response_code, response = call_bureau_service(data) if response == 'Fetched Bureau Successfully': return True, 'SF10200' return True, 'SF10200' except Exception as ex: logging.exception("An error occurred") def no_touch_ckyc(self, pan_number, dob, updated_by, application_id): try: pan_number = pan_number.upper() is_data_valid, code, data = no_touch_validate_ckyc(pan_number, dob) if is_data_valid: random_id = generate_unique_string() print("Random Unique String with Prefix:", random_id) response = creditfair.no_touch_callckyc(pan_number, dob, random_id, application_id) status = self._repository.update_ckyc_application_id(application_id, random_id) if response["status"] == "OK" and response["kycStatus"] == "SUCCESS": response2 = response["data"] response2["message"] = response["message"] else: data = { "status": "FAIL", "message": "Something went wrong", "data": { "pan_number": pan_number, "dob": dob } } response2 = {"message": response["message"]} return 'CF10200', response2 else: return code, data except Exception as ex: logging.exception("An error occurred") def generate_consent_document(self, application_id, latitude='', longitude='', file_name='consent_logs'): try: query_status, application_details = self._repository.get_consent_documents_details(application_id) data = { 'lender_id': 2, 'name': application_details.get("name"), 'loan_application_no': f"{application_details.get('slug')}0{application_id}", 'mobile': decrypt(application_details.get("mobile_number")), 'ip': application_details.get("ips") if application_details.get("ips") is not None else None, 'consent_timestamp': datetime.now().strftime("%Y-%m-%d %H:%M:%S"), 'date': datetime.now().date().strftime("%d-%b-%Y"), 'logo_url': 'http://creditfair-customer-documents.s3.ap-south-1.amazonaws.com/rebranded-logos/logo1.png', 'latitude': latitude, 'longitude': longitude } consent_log_html = f"""
Consent Logs {data['name']} {data['date']}
Loan Application No. {data['loan_application_no']}
Name {data['name']}
Mobile {data['mobile']}
IP {data['ip']}
Latitude {data['latitude']}
Longitude {data['longitude']}
Consent Timestamp {data['consent_timestamp']}
""" pdf_bytes = pdfkit.from_string(consent_log_html, False) base64_consent_document = base64.b64encode(pdf_bytes).decode("utf-8") file_path = str(application_id) + '/consent_logs.pdf' upload_status = s3_upload_update(base64_consent_document, file_path) if upload_status: self._repository.insert_document(application_id, None, file_name, file_path, None, None, 107) return True except Exception as ex: logging.exception(traceback.print_exc()) return False def consent_job(self, application_id, latitude, longitude, file_name): return self._repository.create_consent_document_job(application_id, latitude, longitude, file_name, self._repository) def update_consent(self, application_id, latitude, longitude, status, request): try: user_ip = get_client_ip(request) self._repository.save_consent(application_id, latitude=latitude, longitude=longitude, status=status, user_ip=user_ip) return True except Exception as ex: logging.exception(traceback.print_exc()) return False def update_loan_offer(self, app_id, offer_id, origin): try: if self._repository.is_agreement_signed(app_id): logging.info(f"Agreement already signed for app_id={app_id}") return False, 'CF10409' application = self._repository.get_application_details(app_id) if not application: return False, 'CF10400' loan_decision = self._repository.get_payment_details(app_id, offer_id) if not loan_decision: logging.info(f"Loan decision not found for app_id={app_id}, offer_id={offer_id}") return False, 'CF10400' merchant_offer = self._repository.get_merchant_offer(offer_id) if not merchant_offer: logging.info(f"Merchant offer not found for offer_id={offer_id}") return False, 'CF10400' merchant = self._repository.get_merchant_for_application(app_id) if not merchant: logging.info(f"Merchant not found for app_id={app_id}") return False, 'CF10400' approved_amount = application.get('approved_amount', 0) or 0 upfront_from_customer = loan_decision.get('up_front_from_customer', 0) or 0 charge_subvention_remaining_amt = merchant.get('charge_subvention_remaining_amount', 0) or 0 upfront_from_cf = self._calculate_upfront_from_cf( approved_amount, loan_decision, merchant_offer, upfront_from_customer, charge_subvention_remaining_amt) received_by_merchant = (upfront_from_customer or 0) + (upfront_from_cf or 0) payable_by_customer = loan_decision.get('total', 0) or 0 subvention_cgst, subvention_sgst, subvention_igst = self._calculate_gst_on_subvention( upfront_from_customer, approved_amount, merchant_offer, merchant) net_loan_amount = self._calculate_net_loan_amount(merchant_offer, approved_amount) emi_date = self._calculate_emi_date() existing_emi = self._repository.get_emi_calculation_details(app_id) now = datetime.now().strftime("%Y-%m-%d %H:%M:%S") if existing_emi: re_scheduled_by = application.get('user_id') self._repository.insert_emi_calculation_lock(existing_emi, re_scheduled_by, approved_amount, now) self._repository.upsert_emi_calculation( app_id=app_id, offer_id=offer_id, tenure=merchant_offer.get('tenure'), emi=loan_decision.get('emi'), interest_rate=loan_decision.get('interest_rate'), remaining_emi=loan_decision.get('tenure'), advance_emi=merchant_offer.get('advance_emi'), subvention=merchant_offer.get('subvention'), processing_fee=loan_decision.get('processing_fee'), upfront_from_customer=upfront_from_customer, emi_date=emi_date, received_by_merchant=received_by_merchant, upfront_from_credit_fair=upfront_from_cf, payable_by_customer=payable_by_customer, annualised_irr=merchant_offer.get('annualised_irr'), payment_frequency=merchant_offer.get('payment_frequency'), disbursement_method=merchant_offer.get('disbursement_method'), subvention_cgst=subvention_cgst, subvention_sgst=subvention_sgst, subvention_igst=subvention_igst, net_loan_amount=net_loan_amount, now=now ) self._repository.update_application_offer_tenure(app_id, offer_id, loan_decision.get('tenure')) job_type = ('emiCheckoutGenerateDocuments' if origin in ['https://checkoutuat.creditfair.in', 'https://checkout.creditfair.in'] else 'noTouchDocuments') payload = { "cmd": f"command:{job_type}", "con": "jobs", "param": { "id": str(app_id), "status": "approved", "previous_status": "cf approved", "auth_user_id": 107, "lender_id": application.get('lender_id'), "documents": "[pro_forma_invoice, sanction_letter, cam]" }, "job_handler": "App\\Helpers\\CmdHelper@runCommand" } self._repository.insert_to_queue(json.dumps(payload), app_id, job_type) return True, 'CF10200' except Exception as ex: logging.exception("An error occurred in update_loan_offer") return False, 'CF10400' @staticmethod def _calculate_upfront_from_cf(approved_amount, loan_decision, merchant_offer, upfront_from_customer, charge_subvention_remaining_amt): down_payment = upfront_from_customer if charge_subvention_remaining_amt == 1 else 0 interest_type_id = merchant_offer.get('interest_type_id') subvention = merchant_offer.get('subvention', 0) or 0 offer_tenure = merchant_offer.get('tenure') or 1 decision_tenure = loan_decision.get('tenure') or 1 interest_rate = merchant_offer.get('interest_rate') advance_type = merchant_offer.get('advance_type') if interest_type_id == 1: sub_amount = ((approved_amount - down_payment) * subvention) / 100 if interest_rate: return approved_amount - upfront_from_customer - sub_amount else: upfront_from_cf = (approved_amount * (decision_tenure / offer_tenure)) - ( ((approved_amount - upfront_from_customer) * subvention) / 100) if advance_type == 'percentage' and upfront_from_customer and upfront_from_cf: return upfront_from_cf - upfront_from_customer return upfront_from_cf elif interest_type_id == 2: return approved_amount - upfront_from_customer - (subvention * (approved_amount - down_payment)) / 100 elif interest_type_id == 3: if interest_rate: return approved_amount - upfront_from_customer - ( (approved_amount - down_payment) * subvention) / 100 else: return (approved_amount * (decision_tenure / offer_tenure) - ((approved_amount - down_payment) * subvention) / 100) elif interest_type_id == 4: return approved_amount - upfront_from_customer - ( ((approved_amount - down_payment) * subvention) / 100) return 0 @staticmethod def _calculate_gst_on_subvention(upfront_from_customer, approved_amount, merchant_offer, merchant): subvention_cgst, subvention_sgst, subvention_igst = 0, 0, 0 charge_subvention_remaining = merchant.get('charge_subvention_remaining_amount', 0) or 0 subvention = merchant_offer.get('subvention', 0) or 0 if charge_subvention_remaining == 1: subvention_amount = ((approved_amount - upfront_from_customer) * subvention) / 100 else: subvention_amount = (approved_amount * subvention) / 100 if subvention_amount > 0: is_gst = merchant.get('is_gst', 0) or 0 state = merchant.get('state', '') or '' if is_gst == 1 and state: if state == 'Maharashtra': subvention_cgst = round((subvention_amount * 9) / 100) subvention_sgst = round((subvention_amount * 9) / 100) else: subvention_igst = round((subvention_amount * 18) / 100) return subvention_cgst, subvention_sgst, subvention_igst @staticmethod def _calculate_net_loan_amount(merchant_offer, approved_amount): advance_type = merchant_offer.get('advance_type') advance_emi = merchant_offer.get('advance_emi', 0) or 0 tenure = merchant_offer.get('tenure') or 1 if not approved_amount or approved_amount <= 0: return 0 if advance_type == 'emi': return (approved_amount * (tenure - advance_emi)) / tenure elif advance_type == 'fixed_amount': return approved_amount - advance_emi elif advance_type == 'percentage': return (approved_amount * (100 - advance_emi)) / 100 return 0 @staticmethod def _calculate_emi_date(): from datetime import date as date_type today = date_type.today() if today.day > 20: if today.month + 1 > 12: return date_type(today.year + 1, 2, 5) elif today.month + 1 > 11: return date_type(today.year + 1, 1, 5) else: return date_type(today.year, today.month + 2, 5) else: if today.month + 1 > 12: return date_type(today.year + 1, 1, 5) return date_type(today.year, today.month + 1, 5)