package com.avitam.bankloanapplication.service.impl; import com.avitam.bankloanapplication.core.service.CoreService; import com.avitam.bankloanapplication.exception.InvalidLoanApplicationException; import com.avitam.bankloanapplication.model.dto.LoanApplicationDto; import com.avitam.bankloanapplication.model.dto.LoanApplicationWsDto; import com.avitam.bankloanapplication.model.dto.LoanDetailsDto; import com.avitam.bankloanapplication.model.dto.LoanDto; import com.avitam.bankloanapplication.model.dto.LoanTemplateDto; import com.avitam.bankloanapplication.model.dto.LoanWsDto; import com.avitam.bankloanapplication.model.entity.Customer; import com.avitam.bankloanapplication.model.entity.Loan; import com.avitam.bankloanapplication.model.entity.LoanApplication; import com.avitam.bankloanapplication.model.entity.LoanLimit; import com.avitam.bankloanapplication.model.entity.LoanScoreResult; import com.avitam.bankloanapplication.model.entity.LoanTemplate; import com.avitam.bankloanapplication.model.entity.LoanType; import com.avitam.bankloanapplication.model.entity.User; import com.avitam.bankloanapplication.pdfGenerator.PdfGenerator; import com.avitam.bankloanapplication.repository.CustomerRepository; import com.avitam.bankloanapplication.repository.LoanApplicationRepository; import com.avitam.bankloanapplication.repository.LoanDetailsRepository; import com.avitam.bankloanapplication.repository.LoanLimitRepository; import com.avitam.bankloanapplication.repository.LoanRepository; import com.avitam.bankloanapplication.repository.LoanScoreResultRepository; import com.avitam.bankloanapplication.repository.LoanTemplateRepository; import com.avitam.bankloanapplication.repository.LoanTypeRepository; import com.avitam.bankloanapplication.repository.UserRepository; import com.avitam.bankloanapplication.service.ImageConverterService; import com.avitam.bankloanapplication.service.LoanApplicationService; import com.avitam.bankloanapplication.service.LoanDetailsService; import com.avitam.bankloanapplication.service.LoanService; import com.avitam.bankloanapplication.service.NotificationService; import jakarta.activation.DataHandler; import jakarta.activation.DataSource; import jakarta.mail.Authenticator; import jakarta.mail.Message; import jakarta.mail.MessagingException; import jakarta.mail.Multipart; import jakarta.mail.PasswordAuthentication; import jakarta.mail.Session; import jakarta.mail.Transport; import jakarta.mail.internet.InternetAddress; import jakarta.mail.internet.MimeBodyPart; import jakarta.mail.internet.MimeMessage; import jakarta.mail.internet.MimeMultipart; import jakarta.mail.util.ByteArrayDataSource; import lombok.extern.slf4j.Slf4j; import org.apache.commons.lang3.StringUtils; import org.modelmapper.ModelMapper; import org.modelmapper.TypeToken; import org.slf4j.Logger; import org.slf4j.LoggerFactory; import org.springframework.beans.factory.annotation.Autowired; import org.springframework.beans.factory.annotation.Value; import org.springframework.stereotype.Service; import java.io.ByteArrayOutputStream; import java.io.IOException; import java.lang.reflect.Type; import java.math.BigDecimal; import java.nio.file.Files; import java.nio.file.Paths; import java.util.ArrayList; import java.util.Date; import java.util.List; import java.util.Properties; @Service @Slf4j public class LoanApplicationServiceImpl implements LoanApplicationService { public static final String ADMIN_LOANAPPLICATION = "/loans/loanApplication"; public static final String URL = "https://api.shreemeenakshifinance.com/images/"; Logger LOG = LoggerFactory.getLogger(NotificationServiceImpl.class); @Autowired private ModelMapper modelMapper; @Autowired private CoreService coreService; @Autowired private LoanApplicationRepository loanApplicationRepository; @Autowired private CustomerRepository customerRepository; @Autowired private LoanRepository loanRepository; @Autowired private LoanTemplateRepository loanTemplateRepository; @Autowired private LoanDetailsRepository loanDetailsRepository; @Autowired private LoanScoreResultRepository loanScoreResultRepository; @Autowired private LoanLimitRepository loanLimitRepository; @Autowired private LoanTypeRepository loanTypeRepository; @Autowired private NotificationService notificationService; @Autowired private UserRepository userRepository; @Autowired private PdfGenerator pdfGenerator; @Autowired private ImageConverterService imageConverterService; @Autowired private LoanService loanService; @Autowired private LoanDetailsService loanDetailsService; @Value("${spring.mail.username}") private String username; @Value("${spring.mail.password}") private String password; @Override public LoanApplicationWsDto handleEdit(LoanApplicationWsDto request) { List loanApplicationDtos = request.getLoanApplicationDtos(); List loanApplications = new ArrayList<>(); boolean isNewLoanCreated = false; for (LoanApplicationDto dto : loanApplicationDtos) { LoanApplication loanApp; if (dto.getRecordId() != null) { loanApp = loanApplicationRepository.findByRecordId(dto.getRecordId()); if (loanApp == null) continue; //getLoanType(loanApp); modelMapper.map(dto, loanApp); request.setMessage("Data updated successfully"); } else { loanApp = modelMapper.map(dto, LoanApplication.class); loanApp.setStatus(true); loanApp.setLoanStatus("Applied"); loanApp.setCreationTime(new Date()); loanApp.setRecordId(String.valueOf(System.currentTimeMillis())); getLoanTypeId(loanApp); isNewLoanCreated = true; request.setMessage("Data added Successfully"); } Customer customer = customerRepository.findByRecordId(dto.getCustomerId()); if (customer != null) { if (StringUtils.isNotEmpty(dto.getImages())) { loanApp.setImages(URL + imageConverterService.saveImageToPath(dto.getImages(), "selfie_" + customer.getRecordId())); } loanApplicationRepository.save(loanApp); try { sendEmail(customer.getEmail(), loanApp.getRecordId()); } catch (IOException | MessagingException e) { LOG.error(e.getMessage(), e); } } else { loanApplicationRepository.save(loanApp); } //getCustomer(loanApp); //getLoanTemplate(loanApp); loanApplications.add(loanApp); } request.setBaseUrl(ADMIN_LOANAPPLICATION); Type listType = new TypeToken>() { }.getType(); request.setLoanApplicationDtos(modelMapper.map(loanApplications, listType)); if (isNewLoanCreated) { User user = userRepository.findByEmail("admin@gmail.com"); if (user != null && user.getNotificationId() != null) { notificationService.sendNotificationAdmin( "New Loan Applied", "New loan has been applied, please review", user.getNotificationId() ); } else { log.warn("Admin user not found or missing notificationId"); } } return request; } private void getLoanTypeId(LoanApplication loanApp) { LoanTemplate loanTemplate = loanTemplateRepository.findByRecordId(loanApp.getLoanTemplateId()); LoanType loanType = loanTypeRepository.findByRecordId(loanTemplate.getLoanType()); loanApp.setLoanTypeId(loanType.getRecordId()); } @Override public void updateLoanStatus(LoanApplicationDto loanApplicationDto) { LoanApplication loanApplication = loanApplicationRepository.findByRecordId(loanApplicationDto.getRecordId()); loanApplication.setLoanStatus(loanApplicationDto.getLoanStatus()); loanApplicationRepository.save(loanApplication); Customer customer = customerRepository.findByRecordId(loanApplication.getCustomerId()); if (loanApplication.getLoanStatus().equalsIgnoreCase("Approved")) { LoanTemplateDto loanTemplateDto = modelMapper.map( loanTemplateRepository.findByRecordId(loanApplication.getLoanTemplateId()), LoanTemplateDto.class ); loanTemplateDto.setRecordId(null); LoanDto loanDto = modelMapper.map(loanTemplateDto, LoanDto.class); loanDto.setId(null); loanDto.setRecordId(null); loanDto.setCustomerId(loanApplication.getCustomerId()); LoanWsDto loanWsDto1 = loanService.createLoan(loanDto); Type listType = new TypeToken>() { }.getType(); List loanList = modelMapper.map(loanWsDto1.getLoanDtoList(), listType); for (Loan loanDto1 : loanList) { Loan loan = loanRepository.findByRecordId(loanDto1.getRecordId()); loanApplication.setLoanId(loan.getRecordId()); loanApplicationRepository.save(loanApplication); LoanDetailsDto loanDetailsDto = new LoanDetailsDto(); loanDetailsDto.setLoanId(loan.getRecordId()); loanDetailsService.createLoanDetailsForLoan(loanDetailsDto, loanApplication); } } else if (loanApplication.getLoanStatus().equalsIgnoreCase("Rejected")) { if (customer != null && customer.getNotificationId() != null) { notificationService.sendNotificationById( "Loan Rejected", "Sorry!!, your loan has been rejected", customer.getNotificationId() ); } } } /*public void getLoanType(LoanApplication loanApplication) { LoanTemplate loanTemplate = loanTemplateRepository.findByRecordId(loanApplication.getLoanTemplateId()); LoanType loanType = loanTypeRepository.findByRecordId(loanTemplate.getLoanType()); Type listType = new TypeToken() { }.getType(); LoanTypeDto loanTypeDto = modelMapper.map(loanType, listType); loanApplication.setLoanTypeDto(loanTypeDto); }*/ /*public void getLoanTemplate(LoanApplication loanApplication) { LoanTemplate loanTemplate = loanTemplateRepository.findByRecordId(loanApplication.getLoanTemplateId()); Type listType = new TypeToken() { }.getType(); LoanTemplateDto loanTemplateDto = modelMapper.map(loanTemplate, listType); loanApplication.setLoanTemplateDto(loanTemplateDto); }*/ /*public void getCustomer(LoanApplication loanApplication) { Customer customer = customerRepository.findByRecordId(loanApplication.getCustomerId()); Type listType = new TypeToken() { }.getType(); CustomerDto customerDto = modelMapper.map(customer, listType); loanApplication.setCustomerDto(customerDto); }*/ public LoanWsDto getLoanApplicationResult(LoanApplicationWsDto request) { LoanWsDto loanWsDto = new LoanWsDto(); List loanAppDto = request.getLoanApplicationDtos(); LoanApplication finalizedApplication = new LoanApplication(); for (LoanApplicationDto applicationDto : loanAppDto) { finalizedApplication = finalizeLoanApplication(applicationDto); } if (finalizedApplication == null) { throw new InvalidLoanApplicationException("No loan application finalized."); } Loan loan = loanRepository.findByRecordId(finalizedApplication.getLoanId()); LoanScoreResult loanScoreResult = loanScoreResultRepository.findByRecordId(loan.getLoanScoreResultId()); List loanDtoList = new ArrayList<>(); if (loanScoreResult.getName().equalsIgnoreCase("NOT_RESULTED")) { throw new InvalidLoanApplicationException("!"); } else if (loanScoreResult.getName().equalsIgnoreCase("REJECTED")) { LoanDto loanDto = new LoanDto(); modelMapper.map(loan, loanDto); loanDtoList.add(loanDto); loanWsDto.setLoanDtoList(loanDtoList); return loanWsDto; } LoanDto loanDto = new LoanDto(); modelMapper.map(loan, loanDto); loanDtoList.add(loanDto); loanWsDto.setLoanDtoList(loanDtoList); return loanWsDto; } private LoanApplication finalizeLoanApplication(LoanApplicationDto applicationDto) { LoanApplication loanApplication = loanApplicationRepository.findByRecordId(applicationDto.getRecordId()); if (loanApplication != null) { verifyLoan(loanApplication); } return loanApplication; } private void verifyLoan(LoanApplication loanApplication) { String loanCustomer = loanApplication.getCustomerId(); Loan loanToUpdate = getNotResultedLoanApplicationOfCustomer(loanApplication); if (loanToUpdate == null) return; log.info("Getting loan application for result"); Customer customer = customerRepository.findByRecordId(loanCustomer); Integer loanScore = customer.getLoanScore(); LoanScoreResult loanScoreResult = loanScoreResultRepository.findByName("REJECTED"); boolean loanScoreForApproval = (loanScore >= loanScoreResult.getLoanScoreLimit()); if (loanScoreForApproval) { LoanScoreResult loanScoreResult2 = loanScoreResultRepository.findByName("APPROVED"); loanToUpdate.setLoanScoreResultId(loanScoreResult2.getRecordId()); loanApplication.setLoanId(loanToUpdate.getRecordId()); loanRepository.save(loanToUpdate); loanToUpdate = loanLimitCalculator(loanApplication); } else { loanToUpdate.setLoanScoreResultId(loanScoreResult.getRecordId()); loanRepository.save(loanToUpdate); } loanRepository.save(loanToUpdate); log.info("resulted the application"); //TODO: modify sms log.info("Sent sms result"); } private Loan loanLimitCalculator(LoanApplication loanApplication) { Loan loan = loanRepository.findByRecordId(loanApplication.getLoanId()); Loan updatedLoan = modelMapper.map(loan, Loan.class); Customer customer = customerRepository.findByRecordId(loanApplication.getCustomerId()); BigDecimal loanScore = BigDecimal.valueOf(customer.getLoanScore()); BigDecimal income = BigDecimal.valueOf(customer.getMonthlyIncome()); BigDecimal loanMultiplier = loan.getCreditMultiplier(); LoanLimit loanLimit1 = loanLimitRepository.findByName("HIGHER"); LoanLimit loanLimit2 = loanLimitRepository.findByName("SPECIAL"); boolean loanLimitCheck = income.compareTo(loanLimit1.getLoanLimitAmount()) >= 0; LoanScoreResult loanScoreResult = loanScoreResultRepository.findByName("APPROVED"); boolean loanScoreCheck = loanScore.compareTo(BigDecimal.valueOf(loanScoreResult.getLoanScoreLimit())) >= 0; LoanLimit loanLimit3 = loanLimitRepository.findByName("LOWER"); if (loanScoreCheck) { loanLimit2.setLoanLimitAmount(income.multiply(loanMultiplier)); // loan.setLoanLimit(loanLimit2.getLoanLimitAmount()); } else if (loanLimitCheck) { // loan.setLoanLimit(loanLimit1.getLoanLimitAmount()); } else { // loan.setLoanLimit(loanLimit3.getLoanLimitAmount()); } return loan; } private Loan getNotResultedLoanApplicationOfCustomer(LoanApplication loanApplication) { String loanId = loanApplication.getLoanId(); Loan loan = loanRepository.findByRecordId(loanId); LoanScoreResult loanScoreResult = loanScoreResultRepository.findByRecordId(loan.getLoanScoreResultId()); return loan; } public void sendApprovedEmailToCustomer(String loanApplicationId) { pdfGenerator.sanctionLetterPdf(loanApplicationId); } public Object getLoanApplicationById(Long id) { return null; } private void sendEmail(String recipientEmail, String loanApplicationId) throws IOException, MessagingException { Properties properties = new Properties(); properties.put("mail.transport.protocol", "smtp"); // Protocol (SMTP) properties.put("mail.smtp.auth", "true"); // Enable authentication properties.put("mail.smtp.starttls.enable", "true"); // Use TLS properties.put("mail.smtp.host", "smtp.gmail.com"); // SMTP Host properties.put("mail.smtp.port", "587"); // SMTP Port properties.put("mail.smtp.ssl.trust", "*"); properties.put("mail.debug", "true"); Session session = Session.getInstance(properties, new Authenticator() { @Override protected PasswordAuthentication getPasswordAuthentication() { return new PasswordAuthentication(username, password); // Use your email and app password } }); MimeMessage message = new MimeMessage(session); message.setFrom(new InternetAddress(username)); message.setRecipients(Message.RecipientType.TO, InternetAddress.parse(recipientEmail)); Multipart multipart = new MimeMultipart(); MimeBodyPart textPart = new MimeBodyPart(); textPart.setText("Please find the attached PDF document."); multipart.addBodyPart(textPart); ByteArrayOutputStream byteArrayOutputStream = pdfGenerator.sanctionLetterPdf(loanApplicationId); byte[] responseBytes = byteArrayOutputStream.toByteArray(); Files.write(Paths.get("Sanction_Letter.pdf"), responseBytes); MimeBodyPart pdfPart = new MimeBodyPart(); DataSource dataSource = new ByteArrayDataSource(responseBytes, "application/pdf"); pdfPart.setDataHandler(new DataHandler(dataSource)); pdfPart.setFileName("Sanction_Letter.pdf"); multipart.addBodyPart(pdfPart); message.setContent(multipart); Transport.send(message); } }