from datetime import date, datetime, timedelta, timezone import shutil import uuid from schedule import every, repeat from fastapi import File, HTTPException, UploadFile from pydantic import BaseModel from utility.payment_api import InitPaymentWeb from utility.stock import get_admin_stock from models.models import Loan, LoanStatus, Notification, NotificationPriority, TimAccountType, Transaction, TransactionStatus, TransactionType, User from schemas.loans import CommissionRequest, LoanRequestWithInfo, RepayLoanRequest from services.users import get_user_wallet from sqlalchemy.orm import Session from utility.transactions import cinetpay_service from core.config import settings async def create_loan_with_info( current_user: str, # ID de l'utilisateur db: Session, request_amount: CommissionRequest, ): """ Créer un nouveau prêt R-online pour un utilisateur """ # 1. Récupérer l'utilisateur complet user = db.query(User).filter(User.id == current_user).first() if not user: raise HTTPException( status_code=404, detail="Utilisateur introuvable" ) # if user.kyc_verifications_status != "approved": # raise HTTPException( # status_code=400, # detail="Votre KYC n'est pas approuvé. Veuillez compléter votre KYC pour demander un R-online." # ) # 2. Vérifier les limites selon le type de compte max_loan_amounts = { TimAccountType.TIM_MINI: 0, TimAccountType.TIM_MAXI: 10000, TimAccountType.TIM_BUSINESS: 10000 } max_amount = max_loan_amounts.get(user.tim_account_type, 0) if request_amount.amount > max_amount: raise HTTPException( status_code=400, detail=f"Le montant du r-online dépasse la limite de {max_amount} FCFA pour votre type de compte" ) # 3. Vérifier qu'il n'y a pas de prêt actif active_loan = db.query(Loan).filter( Loan.user_id == user.id, Loan.status == LoanStatus.APPROVED ).first() if active_loan: raise HTTPException( status_code=400, detail="Vous avez un R-online en cours. Veuillez rembourser avant de prendre un autre R-online." ) # 4. Vérifier le stock admin admin_stock = get_admin_stock(db) if admin_stock.balance < request_amount.amount: raise HTTPException( status_code=400, detail="Fonds insuffisants dans le stock admin. Veuillez réessayer plus tard." ) # 5. Calculer les montants interest_rate = 0.06 total_amount = request_amount.amount * (1 + interest_rate) # 6. Créer le prêt loan = Loan( id=str(uuid.uuid4()), user_id=user.id, amount=request_amount.amount, interest_rate=interest_rate, penalty_rate=0.06, remaining_balance=total_amount, monthly_payment=total_amount, total_payments=1, payments_completed=0, status=LoanStatus.APPROVED, due_date=datetime.utcnow() + timedelta(days=3), days_overdue=0, ) db.add(loan) # 7. Débiter le stock admin admin_stock.balance -= request_amount.amount admin_stock.total_debits += request_amount.amount # 8. Créditer le portefeuille utilisateur wallet = get_user_wallet(current_user, db) wallet.balance += request_amount.amount # 9. Créer la transaction transaction = Transaction( id=str(uuid.uuid4()), user_id=user.id, transaction_type=TransactionType.PRET_MOBILE, amount=request_amount.amount, commission_amount=request_amount.amount * interest_rate, commission_rate=interest_rate, status=TransactionStatus.COMPLETED, description=f"Prêt SOS - Prêt d'urgence", reference=f"LOAN-{loan.id[:8]}", external_reference=loan.id ) db.add(transaction) # 10. Sauvegarder tout try: db.commit() db.refresh(loan) db.refresh(transaction) except Exception as e: db.rollback() raise HTTPException( status_code=500, detail=f"Erreur lors de l'enregistrement: {str(e)}" ) # 11. Retourner la réponse return { "loan_id": loan.id, "amount": loan.amount, "interest_amount": loan.amount * interest_rate, "total_repayment": total_amount, "due_date": loan.due_date.isoformat() if loan.due_date else None, "status": "approved", "message": "Votre R-online a ete approuve avec succes" } async def create_commission_users( current_user: User, db: Session , request: CommissionRequest, ): user = db.query(User).filter(User.id == current_user).first() if not user: raise HTTPException(status_code=404, detail="Utilisateur introuvable") # Créer la transaction transaction = Transaction( id=str(uuid.uuid4()), user_id=user.id, transaction_type=TransactionType.COMMISSION, amount=request.amount, status=TransactionStatus.PENDING, description=f"Activations de commission Prêt d 'urgence", reference=f"COMM-{str(uuid.uuid4())[:8]}", ) db.add(transaction) db.commit() payment_data = { "transaction_id": transaction.reference, 'currency' : "XOF", "amount": request.amount, # Montant avec commission TIM CASH "description": transaction.description, "recipient_phone": user.phone, # ⚠️ Numéro associé au wallet "notify_url": f"{settings.CINETPAY_CALLBACK_URL}", "return_url": f"{settings.APP_BASE_URL}/payment/success", 'customer_name' :user.full_name, 'customer_surname' : user.last_name, } print(f"Transcation data {payment_data}") print(f"📤 Envoi à CinetPay: {request.amount} FCFA") # Appeler CinetPay # Appeler CinetPay cinetpay_response = await cinetpay_service.create_payment_url(payment_data) print(f"Réponse CinetPay: {cinetpay_response}") return { "transaction_id": transaction.id, "description": f"Paiment de commission ", "payment_url": cinetpay_response['payment_url'], } async def repay_loan(current_user: User, db: Session): loan = db.query(Loan).filter( Loan.user_id == current_user.id, Loan.status.in_([LoanStatus.APPROVED, LoanStatus.ACTIVE, LoanStatus.OVERDUE]) ).first() if not loan: raise HTTPException(status_code=404, detail="Aucun prêt actif trouvé") base_amount = loan.amount * (1 + loan.interest_rate) today = datetime.now(timezone.utc) # Pénalité si retard if today > loan.due_date: days_late = (today - loan.due_date).days loan.days_overdue = days_late penalty = loan.amount * loan.penalty_rate else: penalty = 0 total_due = base_amount + penalty # ⚡ Paiement selon ce que l'utilisateur a dans son wallet wallet = get_user_wallet(current_user.id, db) amount_to_pay = min(wallet.balance, total_due) wallet.balance -= amount_to_pay remaining = total_due - amount_to_pay loan.remaining_balance = remaining # ✔ Mise à jour du statut du prêt if remaining <= 0: loan.status = LoanStatus.COMPLETED else: if today > loan.due_date: loan.status = LoanStatus.APPROVED else: loan.status = LoanStatus.APPROVED # Remboursement admin admin_stock = get_admin_stock(db) admin_stock.balance += amount_to_pay db.commit() # Transaction transaction = Transaction( id=str(uuid.uuid4()), user_id=current_user.id, transaction_type=TransactionType.REMBOURSEMENT_AUTO, amount=amount_to_pay, status=TransactionStatus.COMPLETED, description=f"Remboursement du prêt", reference=f"COMM-{str(uuid.uuid4())[:8]}", ) db.add(transaction) db.commit() notification = Notification( id=str(uuid.uuid4()), user_id=current_user.id, title="Remboursement effectué", message=f"Votre remboursement de {amount_to_pay} XOF a été effectué avec succès. Solde du prêt: {remaining} XOF.", type="loan_repayment", priority=NotificationPriority.HIGH, amount=amount_to_pay, merchant="TIM CASH", created_at=datetime.utcnow() ) db.add(notification) db.commit() return { "status": "success", "paid_amount": amount_to_pay, "remaining_due": remaining, "penalty": penalty, "days_overdue": getattr(loan, "days_overdue", 0), "expected_total": total_due, "loan_status": loan.status.value } async def loands_rembousement_users( current_user: User, db: Session , request: CommissionRequest, ): user = db.query(User).filter(User.id == current_user).first() if not user: raise HTTPException(status_code=404, detail="Utilisateur introuvable") # Créer la transaction transaction = Transaction( id=str(uuid.uuid4()), user_id=user.id, transaction_type=TransactionType.REMBOURSEMENT_AUTO, amount=request.amount, status=TransactionStatus.PENDING, description=f"Remboursement automatique de prêt d ' urgence", reference=f"PRET{str(uuid.uuid4())[:8]}", ) db.add(transaction) db.commit() payment_data = { "transaction_id": transaction.reference, 'currency' : "XOF", "amount": request.amount, # Montant avec commission TIM CASH "description": transaction.description, "recipient_phone": user.phone, # ⚠️ Numéro associé au wallet "notify_url": f"{settings.CINETPAY_CALLBACK_URL}", "return_url": f"{settings.APP_BASE_URL}/payment/success", 'customer_name' :user.full_name, 'customer_surname' : user.last_name, } print(f"Transcation data {payment_data}") print(f"📤 Envoi à CinetPay: {request.amount} FCFA") # Appeler CinetPay # Appeler CinetPay cinetpay_response = await cinetpay_service.create_payment_url(payment_data) print(f"Réponse CinetPay: {cinetpay_response}") return { "transaction_id": transaction.id, "description": f"Paiment de commission ", "payment_url": cinetpay_response['payment_url'], }