dscf-credit 0.1.0

data/app/services/dscf/credit/bank_staff_creation_service.rb

@@ -0,0 +1,99 @@
+module Dscf::Credit
+  class BankStaffCreationService
+    include ActiveModel::Model
+    include ActiveModel::Attributes
+
+    # User attributes
+    attribute :email, :string
+    attribute :phone, :string
+    attribute :first_name, :string
+    attribute :middle_name, :string
+    attribute :last_name, :string
+    attribute :position_title, :string
+    attribute :gender, :string
+
+    # Staff attributes
+    attribute :bank_branch_id, :integer
+    attribute :status, :string, default: "active"
+
+    # Role attributes
+    attribute :role_code, :string
+
+    validates :email, presence: true, format: { with: URI::MailTo::EMAIL_REGEXP }
+    validates :phone, presence: true
+    validates :first_name, :last_name, presence: true
+    validates :bank_branch_id, presence: true
+    validates :role_code, presence: true
+
+    attr_reader :user, :bank_staff, :generated_password
+
+    def initialize(attributes = {})
+      super(attributes)
+    end
+
+    def call
+      ActiveRecord::Base.transaction do
+        create_user!
+        assign_role!
+        create_bank_staff!
+        send_welcome_email!
+
+        true
+      rescue => e
+        errors.add(:base, e.message)
+        false
+      end
+    end
+
+    private
+
+    def create_user!
+      @generated_password = generate_secure_password
+
+      @user = Dscf::Core::User.create!(
+        email: email,
+        phone: phone,
+        password: @generated_password,
+        temp_password: true,
+        verified_at: nil
+      )
+
+      profile_attrs = {
+        first_name: first_name,
+        middle_name: middle_name,
+        last_name: last_name,
+        position_title: position_title,
+        gender: gender,
+        verification_status: "pending"
+      }
+
+      @user.create_user_profile!(profile_attrs)
+    end
+
+    def assign_role!
+      role = Dscf::Core::Role.find_by!(code: role_code)
+
+      Dscf::Core::UserRole.create!(
+        user: @user,
+        role: role
+      )
+    end
+
+    def create_bank_staff!
+      @bank_staff = Dscf::Credit::BankStaff.create!(
+        user: @user,
+        bank_branch_id: bank_branch_id,
+        status: status
+      )
+    end
+
+    def send_welcome_email!
+      BankStaffWelcomeMailer.welcome_email(@user, @generated_password, @bank_staff).deliver_now
+    end
+
+    def generate_secure_password
+      charset = Array("A".."Z") + Array("a".."z") + Array("0".."9") + [ "!", "@", "#", "$", "%" ]
+      Array.new(12) { charset.sample }.join
+    end
+  end
+end

data/app/services/dscf/credit/facilitator_additional_info_service.rb

@@ -0,0 +1,62 @@
+module Dscf::Credit
+  class FacilitatorAdditionalInfoService
+    def submit_info(token, additional_info)
+      payload = verify_token(token)
+
+      facilitator_id = payload["facilitator_id"]
+
+      facilitator = Dscf::Credit::Facilitator.find(facilitator_id)
+
+      performance = facilitator.facilitator_performances.current.first
+
+      if performance&.input_data&.present? && performance.input_data["additional_info_submitted"]
+        raise StandardError, "Additional information has already been submitted for this facilitator"
+      end
+
+      if performance
+        updated_data = performance.input_data || {}
+        updated_data.merge!(additional_info)
+        updated_data["additional_info_submitted"] = true
+        updated_data["submission_date"] = Time.current.iso8601
+
+        performance.update!(
+          input_data: updated_data,
+          updated_at: Time.current
+        )
+      else
+        input_data = additional_info.dup
+        input_data["additional_info_submitted"] = true
+        input_data["submission_date"] = Time.current.iso8601
+
+        performance = facilitator.facilitator_performances.create!(
+          total_outstanding_loans: 0,
+          total_outstanding_amount: 0.0,
+          approval_required: false,
+          input_data: input_data,
+          created_by_type: "System",
+          created_by_id: nil
+        )
+      end
+
+      begin
+        FacilitatorMailer.additional_info_received(facilitator).deliver_now
+      rescue => e
+        Rails.logger.error "Failed to send additional info confirmation email: #{e.message}"
+      end
+
+      {
+        facilitator: facilitator,
+        performance: performance,
+        message: "Additional information submitted successfully"
+      }
+    end
+
+    private
+
+    def verify_token(token)
+      Rails.application.message_verifier("additional_info").verify(token)
+    rescue ActiveSupport::MessageVerifier::InvalidSignature, ActiveSupport::MessageExpired => e
+      raise StandardError, "Invalid or expired token: #{e.message}"
+    end
+  end
+end

data/app/services/dscf/credit/facilitator_approval_service.rb

@@ -0,0 +1,88 @@
+module Dscf::Credit
+  class FacilitatorApprovalService
+    attr_reader :facilitator, :approver
+
+    def initialize(facilitator, approver)
+      @facilitator = facilitator
+      @approver = approver
+    end
+
+    def approve(total_limit = nil)
+      ActiveRecord::Base.transaction do
+        facilitator.update!(
+          kyc_status: "approved",
+          kyc_approved_by: approver,
+          total_limit: total_limit
+        )
+
+        token = generate_additional_info_token
+
+        begin
+          FacilitatorMailer.approval_notification(facilitator, token).deliver_now
+        rescue => e
+          Rails.logger.error "Failed to send approval email: #{e.message}"
+        end
+
+        update_facilitator_performance
+
+        facilitator
+      end
+    end
+
+    def reject(rejection_reason = nil)
+      ActiveRecord::Base.transaction do
+        facilitator.update!(
+          kyc_status: "rejected",
+          kyc_approved_by: approver
+        )
+
+        begin
+          FacilitatorMailer.rejection_notification(facilitator, rejection_reason).deliver_now
+        rescue => e
+          Rails.logger.error "Failed to send rejection email: #{e.message}"
+        end
+
+        facilitator
+      end
+    end
+
+    def set_limit(total_limit)
+      facilitator.update!(total_limit: total_limit)
+
+      begin
+        FacilitatorMailer.limit_update_notification(facilitator).deliver_now
+      rescue => e
+        Rails.logger.error "Failed to send limit update email: #{e.message}"
+      end
+
+      facilitator
+    end
+
+    private
+
+    def generate_additional_info_token
+      payload = {
+        facilitator_id: facilitator.id,
+        purpose: "additional_info",
+        exp: 30.days.from_now.to_i
+      }
+
+      Rails.application.message_verifier("additional_info").generate(payload)
+    end
+
+    def update_facilitator_performance
+      performance = facilitator.facilitator_performances.current.first
+
+      if performance
+        performance.update!(approval_required: false)
+      else
+        facilitator.facilitator_performances.create!(
+          total_outstanding_loans: 0,
+          total_outstanding_amount: 0.0,
+          approval_required: false,
+          created_by: approver
+        )
+      end
+    end
+  end
+end

data/app/views/dscf/credit/bank_staff_welcome_mailer/welcome_email.html.erb

@@ -0,0 +1,116 @@
+<!DOCTYPE html>
+<html>
+  <head>
+    <meta charset="utf-8">
+    <meta name="viewport" content="width=device-width, initial-scale=1.0">
+    <title>Welcome to DSCF Banking System</title>
+    <style>
+      body {
+        font-family: Arial, sans-serif;
+        line-height: 1.6;
+        color: #333;
+        max-width: 600px;
+        margin: 0 auto;
+        padding: 20px;
+      }
+      .header {
+        background-color: #2c3e50;
+        color: white;
+        padding: 20px;
+        text-align: center;
+        border-radius: 5px 5px 0 0;
+      }
+      .content {
+        background-color: #f9f9f9;
+        padding: 30px;
+        border-radius: 0 0 5px 5px;
+      }
+      .credentials-box {
+        background-color: #e8f4f8;
+        border: 1px solid #bee5eb;
+        border-radius: 5px;
+        padding: 15px;
+        margin: 20px 0;
+      }
+      .button {
+        display: inline-block;
+        background-color: #007bff;
+        color: white;
+        padding: 12px 25px;
+        text-decoration: none;
+        border-radius: 5px;
+        margin: 20px 0;
+      }
+      .warning {
+        background-color: #fff3cd;
+        border: 1px solid #ffeaa7;
+        color: #856404;
+        padding: 10px;
+        border-radius: 5px;
+        margin: 15px 0;
+      }
+      .footer {
+        text-align: center;
+        color: #666;
+        font-size: 12px;
+        margin-top: 30px;
+        padding-top: 20px;
+        border-top: 1px solid #eee;
+      }
+    </style>
+  </head>
+  <body>
+    <div class="header">
+      <h1>Welcome to DSCF Banking System</h1>
+    </div>
+    
+    <div class="content">
+      <h2>Hello <%= @user.user_profile&.first_name || 'Staff Member' %>!</h2>
+      
+      <p>Welcome to the DSCF Banking System. Your bank staff account has been successfully created. Below are your login credentials:</p>
+      
+      <div class="credentials-box">
+        <h3>Your Login Credentials:</h3>
+        <p><strong>Email:</strong> <%= @user.email %></p>
+        <p><strong>Phone:</strong> <%= @user.phone %></p>
+        <p><strong>Temporary Password:</strong> <code><%= @generated_password %></code></p>
+      </div>
+      
+      <div class="warning">
+        <strong>Important Security Notice:</strong>
+        <ul>
+          <li>This is a temporary password that must be changed upon first login</li>
+          <li>Please keep this information secure and do not share it with anyone</li>
+          <li>Your account will require password change on first access</li>
+        </ul>
+      </div>
+      
+      <% if @bank_staff %>
+      <h3>Your Role Information:</h3>
+      <p><strong>Position:</strong> <%= @user.user_profile&.position_title || 'Bank Staff' %></p>
+      <p><strong>Status:</strong> <%= @bank_staff.status.humanize %></p>
+      <p><strong>Bank Branch:</strong> <%= @bank_staff.bank_branch&.branch_name || 'Not specified' %></p>
+      <% end %>
+      
+      <h3>Next Steps:</h3>
+      <ol>
+        <li>Click the login button below to access the system</li>
+        <li>Use your email and the temporary password provided above</li>
+        <li>You will be prompted to create a new password</li>
+        <li>Complete your profile information if needed</li>
+      </ol>
+      
+      <div style="text-align: center;">
+        <a href="<%= @login_url %>/login" class="button">Login to DSCF System</a>
+      </div>
+      
+      <h3>Need Help?</h3>
+      <p>If you have any questions or need assistance, please contact your system administrator or IT support team.</p>
+    </div>
+    
+    <div class="footer">
+      <p>This email was automatically generated by the DSCF Banking System.</p>
+      <p>Please do not reply to this email.</p>
+    </div>
+  </body>
+</html>

data/app/views/dscf/credit/bank_staff_welcome_mailer/welcome_email.text.erb

@@ -0,0 +1,40 @@
+Welcome to DSCF Banking System!
+
+Hello <%= @user.user_profile&.first_name || 'Staff Member' %>!
+
+Welcome to the DSCF Banking System. Your bank staff account has been successfully created.
+
+LOGIN CREDENTIALS:
+==================
+Email: <%= @user.email %>
+Phone: <%= @user.phone %>
+Temporary Password: <%= @generated_password %>
+
+IMPORTANT SECURITY NOTICE:
+=========================
+- This is a temporary password that must be changed upon first login
+- Please keep this information secure and do not share it with anyone
+- Your account will require password change on first access
+
+<% if @bank_staff %>
+YOUR ROLE INFORMATION:
+=====================
+Position: <%= @user.user_profile&.position_title || 'Bank Staff' %>
+Status: <%= @bank_staff.status.humanize %>
+Bank Branch: <%= @bank_staff.bank_branch&.branch_name || 'Not specified' %>
+<% end %>
+
+NEXT STEPS:
+==========
+1. Visit the login page: <%= @login_url %>/login
+2. Use your email and the temporary password provided above
+3. You will be prompted to create a new password
+4. Complete your profile information if needed
+
+NEED HELP?
+==========
+If you have any questions or need assistance, please contact your system administrator or IT support team.
+
+---
+This email was automatically generated by the DSCF Banking System.
+Please do not reply to this email.

data/app/views/dscf/credit/facilitator_mailer/additional_info_received.html.erb

@@ -0,0 +1,39 @@
+<!DOCTYPE html>
+<html>
+  <head>
+    <meta charset="utf-8">
+    <style>
+      body { font-family: Arial, sans-serif; line-height: 1.6; color: #333; }
+      .container { max-width: 600px; margin: 0 auto; padding: 20px; }
+      .header { background-color: #d1ecf1; padding: 20px; border-radius: 5px; margin-bottom: 20px; }
+      .content { padding: 20px 0; }
+      .footer { margin-top: 30px; padding-top: 20px; border-top: 1px solid #eee; font-size: 12px; color: #666; }
+    </style>
+  </head>
+  <body>
+    <div class="container">
+      <div class="header">
+        <h1>✅ Additional Information Received</h1>
+      </div>
+      
+      <div class="content">
+        <p>Dear <%= @merchant.email %>,</p>
+        
+        <p>Thank you! We have successfully received your additional information for facilitator <strong><%= @facilitator.name %></strong>.</p>
+        
+        <p>Your information is being processed and we'll notify you of any updates or if we need additional details.</p>
+        
+        <p>You can now start using your facilitator account to facilitate transactions within your approved credit limit.</p>
+        
+        <p>If you have any questions, please contact our support team.</p>
+        
+        <p>Best regards,<br>
+        The DSCF Credit Team</p>
+      </div>
+      
+      <div class="footer">
+        <p>This is an automated email. Please do not reply to this message.</p>
+      </div>
+    </div>
+  </body>
+</html>

data/app/views/dscf/credit/facilitator_mailer/additional_info_received.text.erb

@@ -0,0 +1,17 @@
+Dear <%= @merchant.email %>,
+
+✅ ADDITIONAL INFORMATION RECEIVED
+
+Thank you! We have successfully received your additional information for facilitator "<%= @facilitator.name %>".
+
+Your information is being processed and we'll notify you of any updates or if we need additional details.
+
+You can now start using your facilitator account to facilitate transactions within your approved credit limit.
+
+If you have any questions, please contact our support team.
+
+Best regards,
+The DSCF Credit Team
+
+---
+This is an automated email. Please do not reply to this message.

data/app/views/dscf/credit/facilitator_mailer/approval_notification.html.erb

@@ -0,0 +1,59 @@
+<!DOCTYPE html>
+<html>
+  <head>
+    <meta charset="utf-8">
+    <style>
+      body { font-family: Arial, sans-serif; line-height: 1.6; color: #333; }
+      .container { max-width: 600px; margin: 0 auto; padding: 20px; }
+      .header { background-color: #f8f9fa; padding: 20px; border-radius: 5px; margin-bottom: 20px; }
+      .content { padding: 20px 0; }
+      .button { 
+        display: inline-block; 
+        padding: 12px 24px; 
+        background-color: #007bff; 
+        color: white; 
+        text-decoration: none; 
+        border-radius: 5px; 
+        margin: 15px 0;
+      }
+      .footer { margin-top: 30px; padding-top: 20px; border-top: 1px solid #eee; font-size: 12px; color: #666; }
+    </style>
+  </head>
+  <body>
+    <div class="container">
+      <div class="header">
+        <h1>🎉 Facilitator Application Approved!</h1>
+      </div>
+      
+      <div class="content">
+        <p>Dear <%= @merchant.email %>,</p>
+        
+        <p>Great news! Your facilitator application for <strong><%= @facilitator.name %></strong> has been approved.</p>
+        
+        <% if @total_limit %>
+          <p><strong>Approved Credit Limit:</strong> $<%= number_with_delimiter(@total_limit) %></p>
+        <% end %>
+        
+        <p>To complete your setup and start facilitating transactions, please submit your additional information by clicking the link below:</p>
+        
+        <a href="<%= @additional_info_url %>" class="button">Submit Additional Information</a>
+        
+        <p><strong>Important Notes:</strong></p>
+        <ul>
+          <li>This link will expire in 30 days</li>
+          <li>Complete your additional information to activate your facilitator account</li>
+          <li>You'll receive a confirmation once your information is processed</li>
+        </ul>
+        
+        <p>If you have any questions, please don't hesitate to contact our support team.</p>
+        
+        <p>Best regards,<br>
+        The DSCF Credit Team</p>
+      </div>
+      
+      <div class="footer">
+        <p>This is an automated email. Please do not reply to this message.</p>
+      </div>
+    </div>
+  </body>
+</html>

data/app/views/dscf/credit/facilitator_mailer/approval_notification.text.erb

@@ -0,0 +1,26 @@
+Dear <%= @merchant.email %>,
+
+🎉 FACILITATOR APPLICATION APPROVED!
+
+Great news! Your facilitator application for "<%= @facilitator.name %>" has been approved.
+
+<% if @total_limit %>
+Approved Credit Limit: $<%= number_with_delimiter(@total_limit) %>
+<% end %>
+
+To complete your setup and start facilitating transactions, please submit your additional information by visiting:
+
+<%= @additional_info_url %>
+
+IMPORTANT NOTES:
+• This link will expire in 30 days
+• Complete your additional information to activate your facilitator account
+• You'll receive a confirmation once your information is processed
+
+If you have any questions, please don't hesitate to contact our support team.
+
+Best regards,
+The DSCF Credit Team
+
+---
+This is an automated email. Please do not reply to this message.

data/app/views/dscf/credit/facilitator_mailer/limit_update_notification.html.erb

@@ -0,0 +1,39 @@
+<!DOCTYPE html>
+<html>
+  <head>
+    <meta charset="utf-8">
+    <style>
+      body { font-family: Arial, sans-serif; line-height: 1.6; color: #333; }
+      .container { max-width: 600px; margin: 0 auto; padding: 20px; }
+      .header { background-color: #d4edda; padding: 20px; border-radius: 5px; margin-bottom: 20px; }
+      .content { padding: 20px 0; }
+      .footer { margin-top: 30px; padding-top: 20px; border-top: 1px solid #eee; font-size: 12px; color: #666; }
+    </style>
+  </head>
+  <body>
+    <div class="container">
+      <div class="header">
+        <h1>💰 Facilitator Limit Updated</h1>
+      </div>
+      
+      <div class="content">
+        <p>Dear <%= @merchant.email %>,</p>
+        
+        <p>Your facilitator credit limit for <strong><%= @facilitator.name %></strong> has been updated.</p>
+        
+        <p><strong>New Credit Limit:</strong> $<%= number_with_delimiter(@total_limit) %></p>
+        
+        <p>This change is effective immediately. You can now facilitate transactions up to your new limit.</p>
+        
+        <p>If you have any questions about this update, please contact our support team.</p>
+        
+        <p>Best regards,<br>
+        The DSCF Credit Team</p>
+      </div>
+      
+      <div class="footer">
+        <p>This is an automated email. Please do not reply to this message.</p>
+      </div>
+    </div>
+  </body>
+</html>

data/app/views/dscf/credit/facilitator_mailer/limit_update_notification.text.erb

@@ -0,0 +1,17 @@
+Dear <%= @merchant.email %>,
+
+💰 FACILITATOR LIMIT UPDATED
+
+Your facilitator credit limit for "<%= @facilitator.name %>" has been updated.
+
+New Credit Limit: $<%= number_with_delimiter(@total_limit) %>
+
+This change is effective immediately. You can now facilitate transactions up to your new limit.
+
+If you have any questions about this update, please contact our support team.
+
+Best regards,
+The DSCF Credit Team
+
+---
+This is an automated email. Please do not reply to this message.

data/app/views/dscf/credit/facilitator_mailer/rejection_notification.html.erb

@@ -0,0 +1,41 @@
+<!DOCTYPE html>
+<html>
+  <head>
+    <meta charset="utf-8">
+    <style>
+      body { font-family: Arial, sans-serif; line-height: 1.6; color: #333; }
+      .container { max-width: 600px; margin: 0 auto; padding: 20px; }
+      .header { background-color: #f8d7da; padding: 20px; border-radius: 5px; margin-bottom: 20px; }
+      .content { padding: 20px 0; }
+      .footer { margin-top: 30px; padding-top: 20px; border-top: 1px solid #eee; font-size: 12px; color: #666; }
+    </style>
+  </head>
+  <body>
+    <div class="container">
+      <div class="header">
+        <h1>📋 Facilitator Application Update</h1>
+      </div>
+      
+      <div class="content">
+        <p>Dear <%= @merchant.email %>,</p>
+        
+        <p>We regret to inform you that your facilitator application for <strong><%= @facilitator.name %></strong> has not been approved at this time.</p>
+        
+        <% if @rejection_reason %>
+          <p><strong>Reason:</strong> <%= @rejection_reason %></p>
+        <% end %>
+        
+        <p>You may resubmit your application after addressing any concerns or contact our support team for more information.</p>
+        
+        <p>Thank you for your interest in becoming a facilitator with DSCF Credit.</p>
+        
+        <p>Best regards,<br>
+        The DSCF Credit Team</p>
+      </div>
+      
+      <div class="footer">
+        <p>This is an automated email. Please do not reply to this message.</p>
+      </div>
+    </div>
+  </body>
+</html>

data/app/views/dscf/credit/facilitator_mailer/rejection_notification.text.erb

@@ -0,0 +1,19 @@
+Dear <%= @merchant.email %>,
+
+📋 FACILITATOR APPLICATION UPDATE
+
+We regret to inform you that your facilitator application for "<%= @facilitator.name %>" has not been approved at this time.
+
+<% if @rejection_reason %>
+Reason: <%= @rejection_reason %>
+<% end %>
+
+You may resubmit your application after addressing any concerns or contact our support team for more information.
+
+Thank you for your interest in becoming a facilitator with DSCF Credit.
+
+Best regards,
+The DSCF Credit Team
+
+---
+This is an automated email. Please do not reply to this message.