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defmodule DaProductApp.Merchants do |
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@moduledoc """ |
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Context for managing merchants enrolled by partners. |
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Provides business logic for merchant registration, validation, |
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and transaction processing in the UPI International PSP system. |
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""" |
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import Ecto.Query, warn: false |
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alias DaProductApp.Repo |
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alias DaProductApp.Merchants.Merchant |
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alias DaProductApp.Partners.Partner |
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# ================================ |
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# MERCHANT CRUD OPERATIONS |
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# ================================ |
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@doc """ |
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Create a new merchant under a partner. |
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""" |
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def create_merchant(partner_id, attrs) do |
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:-( |
with %Partner{} = partner <- get_partner!(partner_id), |
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:-( |
attrs <- Map.put(attrs, "partner_id", partner.id) do |
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|
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%Merchant{} |
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|> Merchant.changeset(attrs) |
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|> put_defaults_for_corridor(attrs["corridor"]) |
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:-( |
|> Repo.insert() |
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else |
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:-( |
nil -> {:error, "Partner not found"} |
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:-( |
error -> error |
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end |
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end |
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@doc """ |
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Get merchant by ID with partner information. |
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""" |
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def get_merchant(id) do |
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Merchant |
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:-( |
|> preload(:partner) |
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:-( |
|> Repo.get(id) |
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end |
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@doc """ |
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Get merchant by ID, raising if not found. |
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""" |
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def get_merchant!(id) do |
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Merchant |
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:-( |
|> preload(:partner) |
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:-( |
|> Repo.get!(id) |
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end |
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@doc """ |
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Get merchant by merchant code. |
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""" |
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def get_merchant_by_code(merchant_code) do |
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Merchant |
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|> where([m], m.merchant_code == ^merchant_code) |
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:-( |
|> preload(:partner) |
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:-( |
|> Repo.one() |
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end |
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|
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@doc """ |
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Get merchant by VPA. |
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""" |
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def get_merchant_by_vpa(vpa) do |
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Merchant |
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|> where([m], m.merchant_vpa == ^vpa) |
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:-( |
|> preload(:partner) |
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:-( |
|> Repo.one() |
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end |
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@doc """ |
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Get merchant by MID (NPCI Merchant ID). |
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""" |
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def get_merchant_by_mid(mid) do |
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Merchant |
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|> where([m], m.mid == ^mid) |
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:-( |
|> preload(:partner) |
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:-( |
|> Repo.one() |
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end |
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@doc """ |
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Get merchant by MSID (Merchant Store ID / Store ID). |
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Used for dynamic QR validation when NPCI sends msid parameter. |
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""" |
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def get_merchant_by_msid(msid) do |
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Merchant |
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|> where([m], m.sid == ^msid) |
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:-( |
|> preload(:partner) |
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:-( |
|> Repo.one() |
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end |
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@doc """ |
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Get merchant by TID (Terminal ID). |
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Some QRs include `mtid`/`tid` and we allow direct lookup by terminal id. |
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""" |
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def get_merchant_by_tid(tid) do |
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# Some databases may contain duplicate/legacy rows for the same TID. |
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# To avoid raising Ecto.MultipleResultsError we explicitly limit the |
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# query to one row and pick the most recently inserted merchant. |
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Merchant |
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|> where([m], m.tid == ^tid) |
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|> order_by([m], desc: m.inserted_at) |
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|> limit(1) |
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:-( |
|> preload(:partner) |
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:-( |
|> Repo.one() |
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end |
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@doc """ |
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Get merchant by settlement IFSC code. |
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This is used when ReqPay contains an IFSC value and we need to find |
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the merchant that owns that settlement account. |
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""" |
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def get_merchant_by_settlement_ifsc(ifsc) when is_binary(ifsc) and ifsc != "" do |
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Merchant |
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|> where([m], m.settlement_account_ifsc == ^ifsc) |
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|> order_by([m], desc: m.inserted_at) |
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|> limit(1) |
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:-( |
|> preload(:partner) |
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:-( |
|> Repo.one() |
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end |
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@doc """ |
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Update merchant information. |
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""" |
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def update_merchant(%Merchant{} = merchant, attrs) do |
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merchant |
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|> Merchant.changeset(attrs) |
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:-( |
|> Repo.update() |
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end |
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@doc """ |
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List all merchants for a partner. |
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""" |
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:-( |
def list_partner_merchants(partner_id, opts \\ []) do |
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:-( |
query = from m in Merchant, |
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where: m.partner_id == ^partner_id, |
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preload: [:partner] |
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query |
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|> maybe_filter_by_status(opts[:status]) |
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|> maybe_filter_by_corridor(opts[:corridor]) |
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|> maybe_paginate(opts[:page], opts[:per_page]) |
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:-( |
|> Repo.all() |
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end |
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|
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@doc """ |
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Get merchant count for a partner. |
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""" |
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def count_partner_merchants(partner_id) do |
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from(m in Merchant, where: m.partner_id == ^partner_id, select: count(m.id)) |
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:-( |
|> Repo.one() |
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end |
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|
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@doc """ |
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Delete a merchant (soft delete by marking inactive). |
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""" |
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def delete_merchant(%Merchant{} = merchant) do |
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:-( |
update_merchant(merchant, %{status: "INACTIVE"}) |
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end |
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# ================================ |
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# BUSINESS OPERATIONS |
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# ================================ |
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@doc """ |
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Validate merchant for transaction processing. |
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""" |
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def validate_merchant_for_transaction(merchant_id) do |
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:-( |
case get_merchant(merchant_id) do |
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%Merchant{} = merchant -> |
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:-( |
cond do |
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:-( |
merchant.status != "ACTIVE" -> |
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{:error, "Merchant is not active"} |
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|
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:-( |
merchant.compliance_status != "VERIFIED" -> |
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{:error, "Merchant compliance not verified"} |
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|
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:-( |
not merchant.qr_enabled -> |
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{:error, "QR payments disabled for merchant"} |
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|
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:-( |
true -> |
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{:ok, merchant} |
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end |
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|
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:-( |
nil -> |
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{:error, "Merchant not found"} |
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end |
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end |
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@doc """ |
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Check if merchant can process the given transaction amount. |
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""" |
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def check_transaction_limits(%Merchant{} = merchant, amount) do |
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:-( |
decimal_amount = if is_binary(amount), do: Decimal.new(amount), else: amount |
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|
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:-( |
cond do |
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:-( |
merchant.max_transaction_limit && |
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:-( |
Decimal.compare(decimal_amount, merchant.max_transaction_limit) == :gt -> |
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{:error, "Amount exceeds merchant transaction limit"} |
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|
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:-( |
not check_daily_limit(merchant, decimal_amount) -> |
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{:error, "Amount exceeds daily transaction limit"} |
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|
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:-( |
true -> |
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:ok |
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end |
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end |
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@doc """ |
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Update merchant's last transaction timestamp. |
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""" |
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def update_last_transaction(merchant_id) do |
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from(m in Merchant, where: m.id == ^merchant_id) |
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:-( |
|> Repo.update_all(set: [last_transaction_at: DateTime.utc_now()]) |
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end |
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@doc """ |
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Update merchant status (ACTIVE, SUSPENDED, INACTIVE). |
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""" |
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def update_merchant_status(merchant_id, status) when status in ["ACTIVE", "SUSPENDED", "INACTIVE"] do |
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:-( |
case get_merchant(merchant_id) do |
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%Merchant{} = merchant -> |
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:-( |
update_merchant(merchant, %{status: status}) |
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|
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:-( |
nil -> |
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{:error, "Merchant not found"} |
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end |
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end |
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# ================================ |
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# MERCHANT SEARCH & FILTERING |
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# ================================ |
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@doc """ |
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Search merchants by various criteria. |
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""" |
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def search_merchants(params) do |
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Merchant |
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:-( |
|> preload(:partner) |
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|> maybe_filter_by_partner(params[:partner_id]) |
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|> maybe_filter_by_status(params[:status]) |
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|> maybe_filter_by_corridor(params[:corridor]) |
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|> maybe_filter_by_business_type(params[:business_type]) |
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|> maybe_search_by_name(params[:search]) |
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|> maybe_order_by(params[:sort], params[:order]) |
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|> maybe_paginate(params[:page], params[:per_page]) |
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:-( |
|> Repo.all() |
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end |
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|
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# ================================ |
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# INTERNATIONAL MERCHANT OPERATIONS |
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# ================================ |
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|
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@doc """ |
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Get merchants for a specific corridor. |
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""" |
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def list_corridor_merchants(corridor) do |
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from(m in Merchant, |
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where: m.corridor == ^corridor and m.status == "ACTIVE", |
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preload: [:partner] |
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) |
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:-( |
|> Repo.all() |
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end |
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|
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@doc """ |
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Get merchant with FX configuration. |
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""" |
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def get_merchant_with_fx_config(merchant_id) do |
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:-( |
case get_merchant(merchant_id) do |
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%Merchant{corridor: corridor, local_currency: currency} = merchant when corridor != "DOMESTIC" -> |
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:-( |
fx_config = %{ |
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corridor: corridor, |
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local_currency: currency, |
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:-( |
fx_markup_rate: merchant.fx_markup_rate || Decimal.new("0"), |
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:-( |
partner_code: merchant.partner.partner_code |
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} |
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:-( |
{:ok, merchant, fx_config} |
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|
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%Merchant{} = merchant -> |
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:-( |
{:ok, merchant, nil} |
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|
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:-( |
nil -> |
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{:error, "Merchant not found"} |
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end |
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end |
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|
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# ================================ |
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# PRIVATE HELPER FUNCTIONS |
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# ================================ |
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|
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defp get_partner!(partner_id) do |
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:-( |
Repo.get(Partner, partner_id) |
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end |
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|
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defp put_defaults_for_corridor(changeset, corridor) do |
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:-( |
case corridor do |
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"SINGAPORE" -> |
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changeset |
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|> Ecto.Changeset.put_change(:country_code, "SG") |
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:-( |
|> Ecto.Changeset.put_change(:local_currency, "SGD") |
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|
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"UAE" -> |
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changeset |
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|> Ecto.Changeset.put_change(:country_code, "AE") |
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:-( |
|> Ecto.Changeset.put_change(:local_currency, "AED") |
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|
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"USA" -> |
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changeset |
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|> Ecto.Changeset.put_change(:country_code, "US") |
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:-( |
|> Ecto.Changeset.put_change(:local_currency, "USD") |
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|
|
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_ -> |
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changeset |
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|> Ecto.Changeset.put_change(:country_code, "IN") |
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|> Ecto.Changeset.put_change(:local_currency, "INR") |
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:-( |
|> Ecto.Changeset.put_change(:corridor, "DOMESTIC") |
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end |
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end |
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|
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defp check_daily_limit(merchant, amount) do |
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:-( |
if merchant.daily_transaction_limit do |
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:-( |
today_start = DateTime.utc_now() |> DateTime.beginning_of_day() |
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|
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:-( |
daily_total = from(t in "transactions", |
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:-( |
where: t.merchant_id == ^merchant.id and t.inserted_at >= ^today_start, |
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select: sum(t.inr_amount) |
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) |
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|> Repo.one() |
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|> case do |
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:-( |
nil -> Decimal.new("0") |
| 333 |
:-( |
total -> total |
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|
end |
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|
|
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:-( |
new_total = Decimal.add(daily_total, amount) |
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:-( |
Decimal.compare(new_total, merchant.daily_transaction_limit) != :gt |
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else |
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true |
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end |
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end |
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|
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# Query filter helpers |
| 344 |
:-( |
defp maybe_filter_by_partner(query, nil), do: query |
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defp maybe_filter_by_partner(query, partner_id) do |
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:-( |
where(query, [m], m.partner_id == ^partner_id) |
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end |
| 348 |
|
|
| 349 |
:-( |
defp maybe_filter_by_status(query, nil), do: query |
| 350 |
|
defp maybe_filter_by_status(query, status) do |
| 351 |
:-( |
where(query, [m], m.status == ^status) |
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|
end |
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|
|
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:-( |
defp maybe_filter_by_corridor(query, nil), do: query |
| 355 |
|
defp maybe_filter_by_corridor(query, corridor) do |
| 356 |
:-( |
where(query, [m], m.corridor == ^corridor) |
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|
end |
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|
|
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:-( |
defp maybe_filter_by_business_type(query, nil), do: query |
| 360 |
|
defp maybe_filter_by_business_type(query, business_type) do |
| 361 |
:-( |
where(query, [m], m.business_type == ^business_type) |
| 362 |
|
end |
| 363 |
|
|
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:-( |
defp maybe_search_by_name(query, nil), do: query |
| 365 |
|
defp maybe_search_by_name(query, search_term) do |
| 366 |
:-( |
search_pattern = "%#{search_term}%" |
| 367 |
:-( |
where(query, [m], |
| 368 |
|
ilike(m.brand_name, ^search_pattern) or |
| 369 |
|
ilike(m.legal_name, ^search_pattern) or |
| 370 |
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ilike(m.merchant_code, ^search_pattern) |
| 371 |
|
) |
| 372 |
|
end |
| 373 |
|
|
| 374 |
:-( |
defp maybe_order_by(query, nil, _), do: order_by(query, [m], desc: m.inserted_at) |
| 375 |
|
defp maybe_order_by(query, sort_field, order) when sort_field in ["name", "code", "created"] do |
| 376 |
:-( |
field = case sort_field do |
| 377 |
:-( |
"name" -> :brand_name |
| 378 |
:-( |
"code" -> :merchant_code |
| 379 |
:-( |
"created" -> :inserted_at |
| 380 |
|
end |
| 381 |
|
|
| 382 |
:-( |
direction = if order == "desc", do: :desc, else: :asc |
| 383 |
:-( |
order_by(query, [m], [{^direction, field(m, ^field)}]) |
| 384 |
|
end |
| 385 |
:-( |
defp maybe_order_by(query, _, _), do: order_by(query, [m], desc: m.inserted_at) |
| 386 |
|
|
| 387 |
:-( |
defp maybe_paginate(query, nil, _), do: query |
| 388 |
|
defp maybe_paginate(query, page, per_page) when is_integer(page) and is_integer(per_page) do |
| 389 |
:-( |
offset = (page - 1) * per_page |
| 390 |
|
query |
| 391 |
|
|> limit(^per_page) |
| 392 |
:-( |
|> offset(^offset) |
| 393 |
|
end |
| 394 |
:-( |
defp maybe_paginate(query, _, _), do: query |
| 395 |
|
end |