dscf-banking 0.1.0

checksums.yaml

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data/MIT-LICENSE

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+Copyright Asrat
+
+Permission is hereby granted, free of charge, to any person obtaining
+a copy of this software and associated documentation files (the
+"Software"), to deal in the Software without restriction, including
+without limitation the rights to use, copy, modify, merge, publish,
+distribute, sublicense, and/or sell copies of the Software, and to
+permit persons to whom the Software is furnished to do so, subject to
+the following conditions:
+
+The above copyright notice and this permission notice shall be
+included in all copies or substantial portions of the Software.
+
+THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND,
+EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF
+MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND
+NONINFRINGEMENT. IN NO EVENT SHALL THE AUTHORS OR COPYRIGHT HOLDERS BE
+LIABLE FOR ANY CLAIM, DAMAGES OR OTHER LIABILITY, WHETHER IN AN ACTION
+OF CONTRACT, TORT OR OTHERWISE, ARISING FROM, OUT OF OR IN CONNECTION
+WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE SOFTWARE.

data/README.md

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+# Dscf::Banking
+Short description and motivation.
+
+## Usage
+How to use my plugin.
+
+## Installation
+Add this line to your application's Gemfile:
+
+```ruby
+gem "dscf-banking"
+```
+
+And then execute:
+```bash
+$ bundle
+```
+
+Or install it yourself as:
+```bash
+$ gem install dscf-banking
+```
+
+## Contributing
+Contribution directions go here.
+
+## License
+The gem is available as open source under the terms of the [MIT License](https://opensource.org/licenses/MIT).

data/Rakefile

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+require "bundler/setup"
+
+APP_RAKEFILE = File.expand_path("spec/dummy/Rakefile", __dir__)
+load "rails/tasks/engine.rake"
+
+load "rails/tasks/statistics.rake"
+
+require "bundler/gem_tasks"

data/app/controllers/dscf/banking/application_controller.rb

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+module Dscf
+  module Banking
+    class ApplicationController < ActionController::API
+    end
+  end
+end

data/app/controllers/dscf/banking/interest_configurations_controller.rb

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+module Dscf::Banking
+  class InterestConfigurationsController < ApplicationController
+    include Dscf::Core::Common
+
+    private
+
+    def model_params
+      params.require(:payload).permit(
+        :virtual_account_product_id,
+        :interest_rate_type_id,
+        :annual_interest_rate,
+        :income_tax_rate,
+        :minimum_balance_for_interest,
+        :calculation_method,
+        :compounding_period,
+        :interest_basis,
+        :accrual_frequency,
+        :rounding_rule,
+        :calculation_timing,
+        :promotional_start_date,
+        :promotional_end_date,
+        :is_active
+      )
+    end
+
+    def eager_loaded_associations
+      [ :virtual_account_product, :interest_rate_type ]
+    end
+
+    def allowed_order_columns
+      %w[id base_rate effective_rate effective_from effective_to created_at updated_at is_active]
+    end
+
+    def default_serializer_includes
+      {
+        virtual_account_product: {},
+        interest_rate_type: {}
+      }
+    end
+  end
+end

data/app/controllers/dscf/banking/interest_rate_tiers_controller.rb

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+module Dscf::Banking
+  class InterestRateTiersController < ApplicationController
+    include Dscf::Core::Common
+
+    private
+
+    def model_params
+      params.require(:payload).permit(
+        :interest_config_id,
+        :tier_order,
+        :balance_min,
+        :balance_max,
+        :interest_rate,
+        :description
+      )
+    end
+
+    def eager_loaded_associations
+      [ :interest_config ]
+    end
+
+    def allowed_order_columns
+      %w[id tier_order balance_min balance_max interest_rate created_at updated_at]
+    end
+
+    def default_serializer_includes
+      { interest_config: {} }
+    end
+  end
+end

data/app/controllers/dscf/banking/interest_rate_types_controller.rb

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+module Dscf::Banking
+  class InterestRateTypesController < ApplicationController
+    include Dscf::Core::Common
+
+    private
+
+    def model_params
+      params.require(:payload).permit(
+        :code,
+        :name,
+        :description
+      )
+    end
+
+    def eager_loaded_associations
+      []
+    end
+
+    def allowed_order_columns
+      %w[id code name created_at updated_at]
+    end
+
+    def default_serializer_includes
+      {}
+    end
+  end
+end

data/app/controllers/dscf/banking/product_approvals_controller.rb

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+module Dscf::Banking
+  class ProductApprovalsController < ApplicationController
+    include Dscf::Core::Common
+
+    private
+
+    def model_params
+      params.require(:payload).permit(
+        :virtual_account_product_id,
+        :submitted_by_id,
+        :submitted_at,
+        :reviewed_by_id,
+        :reviewed_at,
+        :status,
+        :comments,
+        :approval_level
+      )
+    end
+
+    def eager_loaded_associations
+      [ :virtual_account_product, :submitted_by, :reviewed_by ]
+    end
+
+    def allowed_order_columns
+      %w[id status submitted_at reviewed_at approval_level created_at updated_at]
+    end
+
+    def default_serializer_includes
+      {
+        virtual_account_product: {},
+        submitted_by: {},
+        reviewed_by: {}
+      }
+    end
+  end
+end

data/app/controllers/dscf/banking/product_categories_controller.rb

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+module Dscf::Banking
+  class ProductCategoriesController < ApplicationController
+    include Dscf::Core::Common
+
+    private
+
+    def model_params
+      params.require(:payload).permit(
+        :name,
+        :description,
+        :is_active
+      )
+    end
+
+    def eager_loaded_associations
+      []
+    end
+
+    def allowed_order_columns
+      %w[id name created_at updated_at is_active]
+    end
+
+    def default_serializer_includes
+      {}
+    end
+  end
+end

data/app/controllers/dscf/banking/virtual_account_products_controller.rb

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+module Dscf::Banking
+  class VirtualAccountProductsController < ApplicationController
+    include Dscf::Core::Common
+
+    def audit_logs
+      product = Dscf::Banking::VirtualAccountProduct.find(params[:id])
+      audit_logs = Dscf::Banking::ProductAuditLog.by_product(product.id).recent
+
+      render json: {
+        success: true,
+        data: audit_logs.map do |log|
+          {
+            id: log.id,
+            change_type: log.change_type,
+            old_values: log.old_values,
+            new_values: log.new_values,
+            change_description: log.change_description,
+            changed_by: {
+              id: log.changed_by.id,
+              name: user_full_name(log.changed_by)
+            },
+            created_at: log.created_at
+          }
+        end
+      }
+    rescue ActiveRecord::RecordNotFound
+      render json: {
+        success: false,
+        error: "Product not found"
+      }, status: :not_found
+    end
+
+    private
+
+    def user_full_name(user)
+      if user.user_profile.present?
+        "#{user.user_profile.first_name} #{user.user_profile.last_name}".strip
+      else
+        user.email
+      end
+    end
+
+    def model_params
+      params.require(:payload).permit(
+        :product_code,
+        :product_name,
+        :product_category_id,
+        :description,
+        :document_reference,
+        :status,
+        :created_by_id,
+        :approved_by_id,
+        :rejection_reason,
+        :is_active
+      )
+    end
+
+    def eager_loaded_associations
+      [ :product_category, :created_by, :approved_by ]
+    end
+
+    def allowed_order_columns
+      %w[id product_code product_name status created_at updated_at is_active]
+    end
+
+    def default_serializer_includes
+      {
+        product_category: {},
+        created_by: {},
+        approved_by: {}
+      }
+    end
+  end
+end

data/app/jobs/dscf/banking/application_job.rb

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+module Dscf
+  module Banking
+    class ApplicationJob < ActiveJob::Base
+    end
+  end
+end

data/app/mailers/dscf/banking/application_mailer.rb

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+module Dscf
+  module Banking
+    class ApplicationMailer < ActionMailer::Base
+      default from: "from@example.com"
+      layout "mailer"
+    end
+  end
+end

data/app/models/concerns/dscf/banking/auditable.rb

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+module Dscf::Banking
+  module Auditable
+    extend ActiveSupport::Concern
+
+    included do
+      after_create :log_creation
+      after_update :log_update
+      after_destroy :log_deletion
+
+      attr_accessor :current_user_for_audit
+    end
+
+    private
+
+    def log_creation
+      return unless should_audit?
+
+      create_audit_log(
+        change_type: :created,
+        old_values: nil,
+        new_values: auditable_attributes,
+        change_description: "#{self.class.name} created"
+      )
+    end
+
+    def log_update
+      return unless should_audit? && saved_changes.any?
+
+      create_audit_log(
+        change_type: determine_update_type,
+        old_values: extract_old_values,
+        new_values: extract_new_values,
+        change_description: generate_change_description
+      )
+    end
+
+    def log_deletion
+      return unless should_audit?
+
+      create_audit_log_for_deletion(
+        change_type: :deleted,
+        old_values: auditable_attributes,
+        new_values: nil,
+        change_description: "#{self.class.name} deleted"
+      )
+    end
+
+    def should_audit?
+      current_user_for_audit.present?
+    end
+
+    def create_audit_log(change_type:, old_values:, new_values:, change_description:)
+      Dscf::Banking::ProductAuditLog.create!(
+        virtual_account_product: self,
+        changed_by: current_user_for_audit,
+        change_type: change_type,
+        old_values: old_values,
+        new_values: new_values,
+        change_description: change_description
+      )
+    end
+
+    def create_audit_log_for_deletion(change_type:, old_values:, new_values:, change_description:)
+      # Store the product ID in old_values since we can't reference the deleted record
+      enhanced_old_values = old_values.merge("deleted_product_id" => self.id)
+
+      Dscf::Banking::ProductAuditLog.create!(
+        virtual_account_product_id: nil,
+        changed_by: current_user_for_audit,
+        change_type: change_type,
+        old_values: enhanced_old_values,
+        new_values: new_values,
+        change_description: change_description
+      )
+    end
+
+    def determine_update_type
+      if saved_changes.key?("status")
+        case status
+        when "approved"
+          :approved
+        when "rejected"
+          :rejected
+        else
+          :updated
+        end
+      elsif saved_changes.key?("is_active")
+        is_active? ? :activated : :deactivated
+      else
+        :updated
+      end
+    end
+
+    def extract_old_values
+      old_values = {}
+      saved_changes.each do |key, (old_val, _new_val)|
+        old_values[key] = old_val if auditable_attribute?(key)
+      end
+      old_values
+    end
+
+    def extract_new_values
+      new_values = {}
+      saved_changes.each do |key, (_old_val, new_val)|
+        new_values[key] = new_val if auditable_attribute?(key)
+      end
+      new_values
+    end
+
+    def auditable_attributes
+      attributes.select { |key, _value| auditable_attribute?(key) }
+    end
+
+    def auditable_attribute?(key)
+      !%w[id created_at updated_at].include?(key.to_s)
+    end
+
+    def generate_change_description
+      changed_fields = saved_changes.keys.select { |key| auditable_attribute?(key) }
+      "Updated #{changed_fields.join(', ')}"
+    end
+  end
+end

data/app/models/dscf/banking/application_record.rb

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+module Dscf
+  module Banking
+    class ApplicationRecord < ActiveRecord::Base
+      self.abstract_class = true
+    end
+  end
+end

data/app/models/dscf/banking/interest_configuration.rb

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+module Dscf::Banking
+  class InterestConfiguration < ApplicationRecord
+    belongs_to :interest_rate_type, class_name: "Dscf::Banking::InterestRateType"
+    belongs_to :virtual_account_product, class_name: "Dscf::Banking::VirtualAccountProduct"
+    has_many :interest_rate_tiers, class_name: "Dscf::Banking::InterestRateTier", dependent: :destroy
+
+    validates :annual_interest_rate, presence: true, numericality: { greater_than: 0, less_than_or_equal_to: 1 }
+    validates :income_tax_rate, presence: true, numericality: { greater_than_or_equal_to: 0, less_than_or_equal_to: 1 }
+    validates :minimum_balance_for_interest, presence: true, numericality: { greater_than_or_equal_to: 0 }
+    validates :calculation_method, presence: true
+
+    validates :interest_basis, presence: true
+    validates :accrual_frequency, presence: true
+    validates :rounding_rule, presence: true
+    validates :calculation_timing, presence: true
+    validates :is_active, inclusion: { in: [ true, false ] }
+    validate :promotional_dates_consistency
+
+    enum :calculation_method, {
+      simple: 0,
+      compound: 1
+    }
+
+    enum :compounding_period, {
+      daily: 0,
+      weekly: 1,
+      monthly: 2,
+      quarterly: 3,
+      annually: 4
+    }, prefix: :compounding
+
+    enum :interest_basis, {
+      actual_360: 0,
+      actual_365: 1,
+      thirty_360: 2
+    }
+
+    enum :accrual_frequency, {
+      daily: 0,
+      weekly: 1,
+      monthly: 2,
+      quarterly: 3,
+      annually: 4
+    }, prefix: :accrual
+
+    enum :rounding_rule, {
+      nearest_cent: 0,
+      round_up: 1,
+      round_down: 2
+    }
+
+
+    scope :active, -> { where(is_active: true) }
+    scope :inactive, -> { where(is_active: false) }
+    scope :by_product, ->(product_id) { where(virtual_account_product_id: product_id) }
+    scope :by_interest_rate_type, ->(type_id) { where(interest_rate_type_id: type_id) }
+    scope :promotional, -> { where.not(promotional_start_date: nil, promotional_end_date: nil) }
+    scope :current_promotional, -> { where("promotional_start_date <= ? AND promotional_end_date >= ?", Date.current, Date.current) }
+
+    private
+
+    def promotional_dates_consistency
+      return unless promotional_start_date.present? || promotional_end_date.present?
+
+      if promotional_start_date.blank?
+        errors.add(:promotional_start_date, "must be present when promotional end date is set")
+      elsif promotional_end_date.blank?
+        errors.add(:promotional_end_date, "must be present when promotional start date is set")
+      elsif promotional_start_date > promotional_end_date
+        errors.add(:promotional_end_date, "must be after promotional start date")
+      end
+    end
+
+    def calculation_schedule_consistency
+      case accrual_frequency
+      when "weekly"
+        errors.add(:calculation_day_of_week, "must be specified for weekly accrual") if calculation_day_of_week.blank?
+      when "monthly", "quarterly"
+        errors.add(:calculation_day_of_month, "must be specified for monthly/quarterly accrual") if calculation_day_of_month.blank?
+      when "annually"
+        errors.add(:calculation_day_of_month, "must be specified for annual accrual") if calculation_day_of_month.blank?
+      end
+    end
+  end
+end

data/app/models/dscf/banking/interest_rate_tier.rb

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+module Dscf::Banking
+  class InterestRateTier < ApplicationRecord
+    belongs_to :interest_config, class_name: "Dscf::Banking::InterestConfiguration"
+
+    validates :tier_order, presence: true, numericality: { greater_than: 0 }
+    validates :balance_min, presence: true, numericality: { greater_than_or_equal_to: 0 }
+    validates :balance_max, numericality: { greater_than: :balance_min }, allow_nil: true
+    validates :interest_rate, presence: true, numericality: { greater_than_or_equal_to: 0, less_than_or_equal_to: 1 }
+    validates :description, length: { maximum: 200 }
+    validates :tier_order, uniqueness: { scope: :interest_config_id }
+    validate :balance_max_greater_than_min
+
+    scope :ordered, -> { order(:tier_order) }
+    scope :by_interest_config, ->(config_id) { where(interest_config_id: config_id) }
+
+    private
+
+    def balance_max_greater_than_min
+      return unless balance_max.present? && balance_min.present?
+
+      errors.add(:balance_max, "must be greater than balance_min") if balance_max <= balance_min
+    end
+  end
+end

data/app/models/dscf/banking/interest_rate_type.rb

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+module Dscf::Banking
+  class InterestRateType < ApplicationRecord
+    self.table_name = "dscf_banking_interest_rate_types"
+
+    validates :code, presence: true, uniqueness: { case_sensitive: true }, length: { maximum: 20 }
+    validates :name, presence: true, length: { maximum: 50 }
+    validates :description, length: { maximum: 1000 }
+
+    scope :by_code, ->(code) { where(code: code) }
+    scope :by_name, ->(name) { where("name ILIKE ?", "%#{name}%") }
+
+    before_validation :strip_whitespace
+
+    private
+
+    def strip_whitespace
+      self.code = code&.strip
+      self.name = name&.strip
+      self.description = description&.strip
+    end
+  end
+end

data/app/models/dscf/banking/product_approval.rb

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+module Dscf::Banking
+  class ProductApproval < ApplicationRecord
+    belongs_to :virtual_account_product
+    belongs_to :submitted_by, class_name: "Dscf::Core::User", optional: false
+    belongs_to :reviewed_by, class_name: "Dscf::Core::User", optional: true
+
+    enum :status, {
+    pending: 0,
+    approved: 1,
+    rejected: 2,
+    under_review: 3
+  }
+
+    validates :status, presence: true
+    validates :submitted_at, presence: true
+    validates :approval_level, presence: true, numericality: { greater_than: 0 }
+    validates :comments, length: { maximum: 1000 }
+
+    scope :by_status, ->(status) { where(status: status) }
+    scope :by_approval_level, ->(level) { where(approval_level: level) }
+    scope :pending_review, -> { where(status: [ "pending", "under_review" ]) }
+  end
+end

data/app/models/dscf/banking/product_audit_log.rb

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+module Dscf::Banking
+  class ProductAuditLog < ApplicationRecord
+    belongs_to :virtual_account_product, class_name: "Dscf::Banking::VirtualAccountProduct", optional: true
+    belongs_to :changed_by, class_name: "Dscf::Core::User"
+
+    enum :change_type, {
+      created: 0,
+      updated: 1,
+      deleted: 2,
+      approved: 3,
+      rejected: 4,
+      activated: 5,
+      deactivated: 6
+    }
+
+    validates :change_type, presence: true
+    validates :virtual_account_product_id, presence: true, unless: :deleted_change_type?
+
+    private
+
+    def deleted_change_type?
+      change_type == "deleted"
+    end
+    validates :changed_by_id, presence: true
+
+    scope :by_product, ->(product_id) { where(virtual_account_product_id: product_id) }
+    scope :by_user, ->(user_id) { where(changed_by_id: user_id) }
+    scope :by_change_type, ->(type) { where(change_type: type) }
+    scope :recent, -> { order(created_at: :desc) }
+
+    before_update :prevent_update
+    before_destroy :prevent_destroy
+
+    private
+
+    def prevent_update
+      errors.add(:base, "Audit logs cannot be updated")
+      raise ActiveRecord::RecordInvalid.new(self)
+    end
+
+    def prevent_destroy
+      errors.add(:base, "Audit logs cannot be deleted")
+      throw(:abort)
+    end
+  end
+end