Subversion Repositories SmartDukaan

package com.smartdukaan.cron.scheduled;

import com.spice.profitmandi.common.exception.ProfitMandiBusinessException;

import com.spice.profitmandi.common.model.CustomRetailer;

import com.spice.profitmandi.common.model.ProfitMandiConstants;

import com.spice.profitmandi.dao.entity.dtr.CreditAccount;

import com.spice.profitmandi.dao.entity.fofo.PartnerDailyInvestment;

import com.spice.profitmandi.dao.entity.transaction.SDCreditRequirement;

import com.spice.profitmandi.dao.enumuration.fofo.Gateway;

import com.spice.profitmandi.dao.enumuration.transaction.CreditRisk;

import com.spice.profitmandi.dao.model.BulkCreditSummary;

import com.spice.profitmandi.dao.repository.dtr.CreditAccountRepository;

import com.spice.profitmandi.dao.repository.transaction.SDCreditRequirementRepository;

import com.spice.profitmandi.dao.repository.transaction.TransactionRepository;

import com.spice.profitmandi.service.PartnerInvestmentService;

import com.spice.profitmandi.service.transaction.PartnerLimitUpdateData;

import com.spice.profitmandi.service.transaction.SDCreditService;

import com.spice.profitmandi.service.user.RetailerService;

import com.spice.profitmandi.dao.service.SidbiService;

import org.apache.logging.log4j.LogManager;

import org.apache.logging.log4j.Logger;

import org.springframework.beans.factory.annotation.Autowired;

import org.springframework.stereotype.Service;

import org.springframework.transaction.annotation.Propagation;

import org.springframework.transaction.annotation.Transactional;

import java.math.BigDecimal;

import java.time.LocalDateTime;

import java.util.*;

import java.util.stream.Collectors;

@Service

public class PartnerLimitHelper {

    private static final Logger LOGGER = LogManager.getLogger(PartnerLimitHelper.class);

    @Autowired

    private RetailerService retailerService;

    @Autowired

    private SidbiService sidbiService;

    @Autowired

    private SDCreditRequirementRepository sdCreditRequirementRepository;

    @Autowired

    private CreditAccountRepository creditAccountRepository;

    @Autowired

    private SDCreditService sdCreditService;

    @Autowired

    private PartnerInvestmentService partnerInvestmentService;

    @Autowired

    private TransactionRepository transactionRepository;

    @Autowired

    private CronBatchService cronBatchService;

    private static final NavigableMap<Double, Double> discountMap = new TreeMap<>();

    private static final List<Integer> hundredPercentLimitPartnerIds = Arrays.asList();

    static {

        discountMap.put(4 * ProfitMandiConstants.ONE_LAC - 1, 0.2);

        discountMap.put(10 * ProfitMandiConstants.ONE_LAC - 1, 0.25);

        discountMap.put(20 * ProfitMandiConstants.ONE_LAC - 1, 0.3);

        discountMap.put(Double.MAX_VALUE, 0.4);

    }

    /**

     * Read-only: calculates limits for all partners, returns only those that changed.

     */

    @Transactional(readOnly = true)

    public List<PartnerLimitUpdateData> calculateChangedPartnerLimits() throws ProfitMandiBusinessException {

        List<PartnerLimitUpdateData> changedPartners = new ArrayList<>();

        Map<Integer, CustomRetailer> customRetailerMap = retailerService.getFofoRetailers(true);

        Map<Integer, BigDecimal> fofoSidbiLimitMap = sidbiService.getSuggestedLimitMap();

        Map<Integer, SDCreditRequirement> sdCreditRequirementMap = sdCreditRequirementRepository.selectAll()

                .stream().collect(Collectors.toMap(x -> x.getFofoId(), x -> x));

        Map<Integer, CreditAccount> creditAccountMap = creditAccountRepository

                .selectAllByGateways(Arrays.asList(Gateway.SIDBI, Gateway.SDDIRECT))

                .stream().filter(x -> x.isActive()).collect(Collectors.toMap(x -> x.getFofoId(), x -> x));

        Map<Integer, BulkCreditSummary> bulkSummaryMap = sdCreditService.getCreditSummaryBulk();

        List<Integer> sortedFofoIds = customRetailerMap.keySet().stream().sorted().collect(Collectors.toList());

        for (int fofoId : sortedFofoIds) {

            CreditAccount creditAccount = creditAccountMap.get(fofoId);

            BulkCreditSummary bulkSummary = bulkSummaryMap.get(fofoId);

            BigDecimal utilizationAmount = bulkSummary != null ? bulkSummary.getUtilization() : BigDecimal.ZERO;

            PartnerDailyInvestment partnerDailyInvestment;

            try {

                partnerDailyInvestment = partnerInvestmentService.getInvestment(fofoId, 0);

            } catch (ProfitMandiBusinessException e) {

                LOGGER.error("Failed to get investment for fofoId={}: {}", fofoId, e.getMessage());

                continue;

            }

            BigDecimal suggestedAmount = getSuggestedAmount(creditAccount, partnerDailyInvestment, utilizationAmount, fofoSidbiLimitMap.get(fofoId));

            SDCreditRequirement existing = sdCreditRequirementMap.get(fofoId);

            if (existing == null) {

                // New partner — needs a record

                changedPartners.add(new PartnerLimitUpdateData(

                        fofoId, suggestedAmount, utilizationAmount,

                        suggestedAmount.subtract(utilizationAmount),

                        CreditRisk.HIGH_RISK, true));

                continue;

            }

            LocalDateTime firstBillingDate = transactionRepository.getFirstBillingDate(fofoId);

            CreditRisk newRisk = sdCreditService.getCurrentRisk(existing, firstBillingDate);

            BigDecimal currentLimit = existing.isHardLimit() ? existing.getLimit() : existing.getSuggestedLimit();

            BigDecimal newLimit = existing.isHardLimit() ? existing.getLimit() : suggestedAmount;

            BigDecimal newAvailable = newLimit.subtract(utilizationAmount);

            // Compare: only include if something actually changed

            boolean limitChanged = suggestedAmount.compareTo(existing.getSuggestedLimit()) != 0;

            boolean utilizationChanged = utilizationAmount.compareTo(existing.getUtilizedAmount()) != 0;

            boolean riskChanged = !newRisk.equals(existing.getRisk());

            if (limitChanged || utilizationChanged || riskChanged) {

                LOGGER.info("fofoId={} changed: limit {}→{}, util {}→{}, risk {}→{}",

                        fofoId,

                        existing.getSuggestedLimit(), suggestedAmount,

                        existing.getUtilizedAmount(), utilizationAmount,

                        existing.getRisk(), newRisk);

                changedPartners.add(new PartnerLimitUpdateData(

                        fofoId, suggestedAmount, utilizationAmount, newAvailable, newRisk, false));

            }

        }

        LOGGER.info("Partner limit check: {} total, {} changed", sortedFofoIds.size(), changedPartners.size());

        return changedPartners;

    }

    /**

     * Writes updated limit for a single partner in its own transaction.

     */

    @Transactional(propagation = Propagation.REQUIRES_NEW,

            rollbackFor = {Throwable.class, ProfitMandiBusinessException.class})

    public void updateSinglePartnerLimit(int batchId, PartnerLimitUpdateData data) throws ProfitMandiBusinessException {

        int fofoId = data.getFofoId();

        SDCreditRequirement sdCreditRequirement;

        if (data.isNewRecord()) {

            sdCreditRequirement = new SDCreditRequirement();

            sdCreditRequirement.setFofoId(fofoId);

            sdCreditRequirement.setCreditDays(15);

            sdCreditRequirement.setInterestRate(ProfitMandiConstants.NEW_INTEREST_RATE);

            sdCreditRequirement.setRisk(data.getCreditRisk());

            sdCreditRequirement.setUtilizedAmount(BigDecimal.ZERO);

            sdCreditRequirement.setCreateTimestamp(LocalDateTime.now());

            sdCreditRequirement.setUpdateTimestamp(LocalDateTime.now());

            sdCreditRequirement.setLimit(data.getSuggestedLimit());

            sdCreditRequirement.setSuggestedLimit(data.getSuggestedLimit());

            sdCreditRequirementRepository.persist(sdCreditRequirement);

        } else {

            sdCreditRequirement = sdCreditRequirementRepository.selectByFofoId(fofoId);

            sdCreditRequirement.setRisk(data.getCreditRisk());

            sdCreditRequirement.setSuggestedLimit(data.getSuggestedLimit());

            if (!sdCreditRequirement.isHardLimit()) {

                sdCreditRequirement.setLimit(data.getSuggestedLimit());

            }

            sdCreditRequirement.setUtilizedAmount(data.getUtilizationAmount());

            sdCreditRequirement.setUpdateTimestamp(LocalDateTime.now());

        }

        CreditAccount creditAccount = creditAccountRepository.selectByFofoIdAndGateway(fofoId, Gateway.SDDIRECT);

        if (creditAccount == null) {

            creditAccount = creditAccountRepository.selectByFofoIdAndGateway(fofoId, Gateway.SIDBI);

        }

        if (creditAccount != null) {

            creditAccount.setInterestRate(sdCreditRequirement.getInterestRate().floatValue());

            creditAccount.setSanctionedAmount(sdCreditRequirement.getLimit().floatValue());

            creditAccount.setAvailableAmount(data.getAvailableLimit().floatValue());

            creditAccount.setFreeDays(sdCreditRequirement.getFreeDays());

            creditAccount.setUpdatedOn(LocalDateTime.now());

        }

        cronBatchService.markItemSuccess(batchId, fofoId);

        LOGGER.info("fofoId={} updated: limit={}, util={}, risk={}", fofoId,

                sdCreditRequirement.getLimit(), data.getUtilizationAmount(), data.getCreditRisk());

    }

    private BigDecimal getSuggestedAmount(CreditAccount creditAccount, PartnerDailyInvestment partnerDailyInvestment,

                                          BigDecimal utilizationAmount, BigDecimal sidbiLimit) {

        BigDecimal suggestedAmount = BigDecimal.ZERO;

        double utilization = utilizationAmount != null ? utilizationAmount.doubleValue() : 0;

        if (creditAccount == null || creditAccount.getGateway().equals(Gateway.SDDIRECT)) {

            if (partnerDailyInvestment != null) {

                if (hundredPercentLimitPartnerIds.contains(partnerDailyInvestment.getFofoId())) {

                    suggestedAmount = BigDecimal.valueOf((partnerDailyInvestment.getTotalInvestment() - utilization) * 1);

                    suggestedAmount = suggestedAmount.min(BigDecimal.valueOf(1500000));

                } else {

                    suggestedAmount = getSuggestedLimit(partnerDailyInvestment.getTotalInvestment() - utilization);

                }

            }

            if (suggestedAmount.doubleValue() < 0) {

                suggestedAmount = BigDecimal.ZERO;

            }

        } else if (creditAccount.getGateway().equals(Gateway.SIDBI) && sidbiLimit != null) {

            suggestedAmount = getSuggestedLimit(partnerDailyInvestment.getTotalInvestment() - utilization);

            suggestedAmount = suggestedAmount.max(sidbiLimit);

        }

        return suggestedAmount;

    }

    private BigDecimal getSuggestedLimit(double investmentValue) {

        double percentageValue = discountMap.ceilingEntry(investmentValue).getValue();

        return BigDecimal.valueOf(investmentValue * percentageValue);

    }

}