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.cron.CronBatchService;
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.math.RoundingMode;
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;

    private static final BigDecimal FIFTEEN_LAC = BigDecimal.valueOf(1500000);

    @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 {
        return calculateChangedPartnerLimits(null);
    }

    /**
     * Read-only: calculates limits and returns only those that changed.
     *
     * @param restrictTo when non-null, only these partners are considered. The 2-minute investment
     * sweep passes the partners whose {@code base_value} moved — measured at 3 on average, peak 18 —
     * so the limit stops rescanning all ~980 partners to find the handful that can possibly differ.
     */
    @Transactional(readOnly = true)
    public List<PartnerLimitUpdateData> calculateChangedPartnerLimits(Collection<Integer> restrictTo)
            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()
                .filter(id -> restrictTo == null || restrictTo.contains(id))
                .sorted().collect(Collectors.toList());

        // One grouped query instead of one per partner. getCurrentRisk only consults this when the
        // partner has no risk_timestamp (418 of 980 have one, so those reads were discarded), and
        // the per-partner form was ~4.7ms x 980 -- most of this job's runtime.
        Map<Integer, LocalDateTime> firstBillingDateMap = transactionRepository.getFirstBillingDates(sortedFofoIds);

        for (int fofoId : sortedFofoIds) {
            // Per-partner isolation: one partner's bad data (null limit/util in the
            // compareTo, a getFirstBillingDate/getCurrentRisk failure, etc.) must not
            // abort the whole read phase and silently update zero partners. Mirrors the
            // REQUIRES_NEW isolation the write phase (updateSinglePartnerLimit) already has.
            try {
                CreditAccount creditAccount = creditAccountMap.get(fofoId);
                BulkCreditSummary bulkSummary = bulkSummaryMap.get(fofoId);
                BigDecimal utilizationAmount = bulkSummary != null ? bulkSummary.getUtilization() : BigDecimal.ZERO;

                PartnerDailyInvestment partnerDailyInvestment = partnerInvestmentService.getInvestment(fofoId, 0);

                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 = firstBillingDateMap.get(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. Both sides are rounded to
                // paise first — without that, double noise below half a paisa made ~90% of these
                // "changes" phantom, rewriting sd_credit_requirement and dtr.credit_account (and
                // churning the SIDBI mirror) ~14,000 times a day for identical values, and leaving
                // update_timestamp useless as a signal of when a limit really moved.
                boolean limitChanged = scaleMoney(suggestedAmount).compareTo(scaleMoney(existing.getSuggestedLimit())) != 0;
                boolean utilizationChanged = scaleMoney(utilizationAmount).compareTo(scaleMoney(existing.getUtilizedAmount())) != 0;
                boolean riskChanged = !newRisk.equals(existing.getRisk());

                if (limitChanged || utilizationChanged || riskChanged) {
                    LOGGER.info("fofoId={} changed: limit {}→{}, util {}→{}, risk {}→{}, agedAppleStock={}",
                            fofoId,
                            existing.getSuggestedLimit(), suggestedAmount,
                            existing.getUtilizedAmount(), utilizationAmount,
                            existing.getRisk(), newRisk,
                            partnerDailyInvestment != null ? partnerDailyInvestment.getAgedAppleStockAmount() : 0);
                    changedPartners.add(new PartnerLimitUpdateData(
                            fofoId, suggestedAmount, utilizationAmount, newAvailable, newRisk, false));
                }
            } catch (Exception e) {
                LOGGER.error("Partner limit calc failed for fofoId={}, skipping: {}", fofoId, e.getMessage());
            }
        }

        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) {
                double creditableInvestment = getCreditableInvestment(partnerDailyInvestment);
                if (hundredPercentLimitPartnerIds.contains(partnerDailyInvestment.getFofoId())) {
                    suggestedAmount = BigDecimal.valueOf((creditableInvestment - utilization) * 1);
                    suggestedAmount = suggestedAmount.min(FIFTEEN_LAC);
                } else {
                    suggestedAmount = getSuggestedLimit(creditableInvestment - utilization);
                }
            }
            if (suggestedAmount.doubleValue() < 0) {
                suggestedAmount = BigDecimal.ZERO;
            }
        } else if (creditAccount.getGateway().equals(Gateway.SIDBI) && sidbiLimit != null) {
            suggestedAmount = getSuggestedLimit(getCreditableInvestment(partnerDailyInvestment) - utilization);
            suggestedAmount = suggestedAmount.max(sidbiLimit);
        }
        return scaleMoney(suggestedAmount);
    }

    /**
     * Rounds to paise before the value is compared or stored.
     *
     * <p>The limit comes out of a double multiply, so it carries binary noise the stored
     * DECIMAL(12,4) cannot — 65123.7400 round-trips and comes back as 65123.740000000005, which
     * {@code BigDecimal.compareTo} reports as a change. Measured on a production run, 208 of 230
     * "changed" partners differed by less than half a paisa; real changes were never smaller than a
     * rupee, so rounding here sits in a clean gap and cannot suppress one.
     */
    private static BigDecimal scaleMoney(BigDecimal value) {
        return (value == null ? BigDecimal.ZERO : value).setScale(2, RoundingMode.HALF_UP);
    }

    /**
     * Investment that counts toward a suggested limit: total investment less the value of Apple
     * handsets the partner has held beyond {@link ProfitMandiConstants#AGED_STOCK_APPLE_DAYS} days
     * from GRN.
     *
     * The haircut is applied here only. PartnerDailyInvestment.getTotalInvestment() is deliberately
     * left alone, so stock value is unchanged for checkout payment options, the investment-OK gates
     * and every partner-facing screen — this is a credit-limit policy, not a change to what the
     * stock is worth.
     */
    private double getCreditableInvestment(PartnerDailyInvestment partnerDailyInvestment) {
        return partnerDailyInvestment.getTotalInvestment() - partnerDailyInvestment.getAgedAppleStockAmount();
    }

    private BigDecimal getSuggestedLimit(double investmentValue) {
        double percentageValue = discountMap.ceilingEntry(investmentValue).getValue();
        return BigDecimal.valueOf(investmentValue * percentageValue).min(FIFTEEN_LAC);
    }
}