from datetime import date from dateutil.relativedelta import relativedelta import operator from collections import defaultdict import traceback def check_if_open_account(account, type, is_approval): try: open_account = 1 if is_approval: return open_account if type == 'experian' and account.get("Date_Closed"): open_account = 0 elif type == 'equifax' and not account.get("sch:DateOpened"): open_account = 0 return open_account except Exception as ex: return 0 def check_condition(val1, op_str, val2, name, ops, order=()): if name == 'dpd' and order and val1 is not None: for elem in order: if order[-1] != elem and int(elem) == val2: compare_start = int(val2) compare_end = int(val2) + 30 if compare_start < val1 <= compare_end: return True elif order[-1] == elem and int(elem) == val2: if int(val2) < int(val1): return True else: op_func = ops.get(op_str) if op_func and val1 is not None and val2 is not None: return op_func(val1, val2) return False def check_condition_equifax(val1, op_str, val2, name,ops, order=()): EquifaxDPD = { 'NEW': 0, '90+': 90, '120+': 120, '180+': 180 } if name == 'dpd' and val1: if f"{val2}+" == val1 and val2 != order[-1]: return True elif val2 == order[-1]: if int(EquifaxDPD.get(val1, 0)) >= int(val2): return True else: op_func = ops.get(op_str) if op_func and val1 is not None and val2 is not None: return op_func(val1, val2) return False def keyword_reject_rule(rule_data, bureau_data, bureau_type, OwnershipDict, account_type_dict, approval=True): try: ops = { '>': operator.gt, '<': operator.lt, '>=': operator.ge, '<=': operator.le, '==': operator.eq, '!=': operator.ne } historical_key_map = {'experian': {'dpd': 'Days_Past_Due', 'keyword': 'Asset_Classification'}, 'equifax': {'dpd': 'sch:PaymentStatus', 'keyword': 'sch:AssetClassificationStatus'}} keyword_rules = rule_data.get("rules") ownership = rule_data.get("Ownership") if rule_data.get("Ownership") else rule_data.get("ownership") keyword_ownership_list = [OwnershipDict[i.capitalize()] for i in ownership] keyword_excluded_account_types = rule_data.get("account_types") grouped_by_month = defaultdict(list) rule_sources = [(keyword_rules, 'keyword')] for current_rules_list, source_name in rule_sources: for item in current_rules_list: month_key = item.get("months") if month_key is not None: remaining_data = {k: v for k, v in item.items() if k != 'months'} remaining_data['name'] = source_name grouped_by_month[month_key].append(remaining_data) triggered_rules = [] rule_definitions = {} all_lookbacks = set() today = date.today() lookback_start_dates = {} for months_str, rules_list in grouped_by_month.items(): try: months_int = int(months_str) if months_str != '*' else '*' all_lookbacks.add(months_int) if months_int not in lookback_start_dates: lookback_start_dates[months_int] = today.replace(day=1) - relativedelta(months=months_int - 1) if months_int != '*' else 0 for rule in rules_list: rule_id = (months_int, rule.get('name'), rule.get('operator'), rule.get('value')) if None not in rule_id and rule_id not in rule_definitions: try: req_tradelines = int(rule.get('tradelines', 1)) rule_definitions[rule_id] = (rule, req_tradelines if req_tradelines > 0 else 1) except ValueError: rule_definitions[rule_id] = (rule, 1) except ValueError: continue sorted_lookbacks = sorted([elem for elem in all_lookbacks if elem != '*']) if '*' in all_lookbacks: sorted_lookbacks.append('*') rule_tradeline_match_counts = defaultdict(int) record_details = {} if bureau_data: for account in bureau_data: rule_to_check = [] if (str(account.get("AccountHoldertypeCode")) in keyword_ownership_list or OwnershipDict.get(account.get("sch:OwnershipType")) in keyword_ownership_list): if keyword_excluded_account_types: if (account_type_dict.get( str(account.get("Account_Type"))) not in keyword_excluded_account_types and account.get( "sch:AccountType") not in keyword_excluded_account_types): rule_to_check.append('keyword') else: rule_to_check.append('keyword') tradeline_name = account.get( "Account_Number") if bureau_type == "experian" else f"{account.get('@seq')}_{account.get('sch:AccountNumber')}" if bureau_type == "experian": tradeline_records = [account.get("CAIS_Account_History")] if isinstance(account.get("CAIS_Account_History"), dict) else account.get("CAIS_Account_History") else: tradeline_records = [account.get("sch:History48Months").get("sch:Month")] if isinstance(account.get("sch:History48Months").get("sch:Month"), dict) else account.get("sch:History48Months").get("sch:Month") satisfied_rules_per_tradeline = set() if rule_to_check and check_if_open_account(account, bureau_type, approval) == 1: if tradeline_records: for record in tradeline_records: try: if bureau_type == "equifax": time_key = record.get("@key") record_year = f"20{time_key.split('-')[-1]}" record_month = time_key.split('-')[0] else: record_year = record.get("Year") record_month = record.get("Month") if not record_year or not record_month: continue record_date = date(int(record_year), int(record_month), 1) if record_date > today: continue except (ValueError, TypeError, KeyError): continue for months_lookback in sorted_lookbacks: start_date = lookback_start_dates[months_lookback] if months_lookback != '*' else '0000-00-00' if start_date == '0000-00-00' or record_date >= start_date: months_str = str(months_lookback) if months_str not in grouped_by_month: continue filtered_grouped_by_month = [item for item in grouped_by_month[months_str] if item.get("name") in rule_to_check] for rule in filtered_grouped_by_month: rule_id = (months_lookback, rule.get('name'), rule.get('operator'), rule.get('value')) if rule_id in satisfied_rules_per_tradeline: continue rule_name = rule.get('name') rule_value_str = rule.get('value') rule_operator = '==' historical_key = historical_key_map.get(bureau_type).get(rule_name) if not all([rule_name, rule_value_str, rule_operator, historical_key is not None]): continue try: compare_value_rule = rule_value_str except ValueError: continue record_value_raw = record.get(historical_key) compare_value_record = None if record_value_raw is not None: compare_value_record = str(record_value_raw) if bureau_type == 'experian': condition_result = check_condition(compare_value_record, rule_operator, compare_value_rule, rule_name, ops) else: condition_result = check_condition_equifax(compare_value_record, rule_operator, compare_value_rule, rule_name, ops) if condition_result: satisfied_rules_per_tradeline.add(rule_id) rule_tradeline_match_counts[rule_id] += 1 if rule_id not in record_details: record_details[rule_id] = [] record_details[rule_id].append(f"{tradeline_name} - {record}") sorted_rule_ids = sorted(rule_tradeline_match_counts.keys()) for rule_id in sorted_rule_ids: count = rule_tradeline_match_counts[rule_id] if rule_id in rule_definitions: original_rule, required_tradelines = rule_definitions[rule_id] original_rule['months'] = rule_id[0] print(f" Rule {rule_id}: Matched on {count} tradeline(s). Required: {required_tradelines}") op_func = ops.get('==' if original_rule.get("operator") == '=' else original_rule.get("operator")) if op_func(count, required_tradelines): print(f"-> TRIGGERED") triggered_rules.append({ "rule": original_rule, "records": record_details[rule_id] }) if triggered_rules: return [1], triggered_rules return 0 except Exception as ex: error_message = f'Exception occurred: {str(ex)}\n{traceback.format_exc()}' print(error_message) accounts = [ { "@seq": "8", "@ReportedDate": "2025-08-15", "sch:AccountNumber": "**********", "sch:Institution": "FINANCE", "sch:AccountType": "Personal Loan", "sch:OwnershipType": "Individual", "sch:Balance": "12000", "sch:PastDueAmount": "0", "sch:Open": "Yes", "sch:SanctionAmount": "12000", "sch:DateReported": "2025-08-15", "sch:DateOpened": "2025-08-06", "sch:Reason": None, "sch:InterestRate": "18.00", "sch:RepaymentTenure": "01", "sch:DisputeCode": None, "sch:InstallmentAmount": "12178", "sch:TermFrequency": "Monthly", "sch:CollateralValue": None, "sch:CollateralType": None, "sch:AccountStatus": "New Account", "sch:AssetClassification": None, "sch:SuitFiledStatus": None, "sch:History48Months": { "sch:Month": { "@key": "08-25", "sch:PaymentStatus": "NEW", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" } } }, { "@seq": "1", "@ReportedDate": "2025-08-31", "sch:AccountNumber": "**********", "sch:Institution": "FINANCE", "sch:AccountType": "Personal Loan", "sch:OwnershipType": "Individual", "sch:Balance": "10000", "sch:PastDueAmount": "0", "sch:Open": "Yes", "sch:SanctionAmount": "10000", "sch:LastPaymentDate": "2025-08-31", "sch:DateReported": "2025-08-31", "sch:DateOpened": "2025-08-04", "sch:Reason": None, "sch:InterestRate": None, "sch:RepaymentTenure": None, "sch:DisputeCode": None, "sch:TermFrequency": "Monthly", "sch:CollateralValue": None, "sch:CollateralType": None, "sch:AccountStatus": "New Account", "sch:AssetClassification": None, "sch:SuitFiledStatus": None, "sch:History48Months": { "sch:Month": { "@key": "08-25", "sch:PaymentStatus": "NEW", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" } } }, { "@seq": "6", "@ReportedDate": "2025-08-15", "sch:AccountNumber": "**********", "sch:Institution": "FINANCE", "sch:AccountType": "Auto Loan (Personal)", "sch:OwnershipType": "Individual", "sch:Balance": "1092902", "sch:PastDueAmount": "0", "sch:Open": "Yes", "sch:SanctionAmount": "1103230", "sch:DateReported": "2025-08-15", "sch:DateOpened": "2025-07-03", "sch:Reason": None, "sch:InterestRate": None, "sch:RepaymentTenure": None, "sch:DisputeCode": None, "sch:TermFrequency": "Monthly", "sch:CollateralValue": None, "sch:CollateralType": None, "sch:AccountStatus": "Current Account", "sch:AssetClassification": None, "sch:SuitFiledStatus": None, "sch:History48Months": { "sch:Month": [ { "@key": "08-25", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "07-25", "sch:PaymentStatus": "NEW", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" } ] } }, { "@seq": "5", "@ReportedDate": "2025-08-15", "sch:AccountNumber": "**********", "sch:Institution": "FINANCE", "sch:AccountType": "Short Term Personal Loan", "sch:OwnershipType": "Individual", "sch:Balance": "3590", "sch:PastDueAmount": "0", "sch:Open": "Yes", "sch:SanctionAmount": "7000", "sch:LastPaymentDate": "2025-08-03", "sch:DateReported": "2025-08-15", "sch:DateOpened": "2025-06-04", "sch:Reason": None, "sch:InterestRate": "34.0", "sch:RepaymentTenure": "4", "sch:DisputeCode": None, "sch:InstallmentAmount": "1876", "sch:TermFrequency": "Monthly", "sch:CollateralValue": None, "sch:CollateralType": None, "sch:AccountStatus": "Current Account", "sch:AssetClassification": None, "sch:SuitFiledStatus": None, "sch:History48Months": { "sch:Month": [ { "@key": "08-25", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "07-25", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "06-25", "sch:PaymentStatus": "NEW", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" } ] } }, { "@seq": "4", "@ReportedDate": "2025-08-15", "sch:AccountNumber": "**********", "sch:Institution": "FINANCE", "sch:AccountType": "Personal Loan", "sch:OwnershipType": "Individual", "sch:Balance": "0", "sch:PastDueAmount": "0", "sch:Open": "No", "sch:SanctionAmount": "2850", "sch:LastPaymentDate": "2021-12-05", "sch:DateReported": "2025-08-15", "sch:DateOpened": "2020-09-13", "sch:DateClosed": "2022-11-30", "sch:Reason": "Closed or Paid Account/Zero Balance", "sch:InterestRate": None, "sch:RepaymentTenure": "6", "sch:DisputeCode": None, "sch:TermFrequency": None, "sch:CollateralValue": None, "sch:CollateralType": None, "sch:AccountStatus": "Current Account", "sch:AssetClassification": "Standard", "sch:SuitFiledStatus": None, "sch:History48Months": { "sch:Month": [ { "@key": "08-25", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "07-25", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "06-25", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "05-25", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "04-25", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "03-25", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "02-25", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "01-25", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "12-24", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "11-24", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "10-24", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "09-24", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "08-24", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "07-24", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "06-24", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "05-24", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "04-24", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "03-24", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "02-24", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "01-24", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "12-23", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "11-23", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "10-23", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "09-23", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "08-23", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "07-23", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "06-23", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "05-23", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "04-23", "sch:PaymentStatus": "*", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "03-23", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "02-23", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "01-23", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "12-22", "sch:PaymentStatus": "*", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "11-22", "sch:PaymentStatus": "CLSD", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "10-22", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "09-22", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "08-22", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "07-22", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "06-22", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "05-22", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "04-22", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "03-22", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "02-22", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "01-22", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "12-21", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "11-21", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "10-21", "sch:PaymentStatus": "180+", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "09-21", "sch:PaymentStatus": "120+", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" } ] } }, { "@seq": "9", "@ReportedDate": "2025-04-15", "sch:AccountNumber": "**********", "sch:Institution": "FINANCE", "sch:AccountType": "Consumer Loan", "sch:OwnershipType": "Individual", "sch:Balance": "0", "sch:PastDueAmount": "0", "sch:Open": "No", "sch:SanctionAmount": "26000", "sch:LastPaymentDate": "2025-03-27", "sch:DateReported": "2025-04-15", "sch:DateOpened": "2024-08-12", "sch:DateClosed": "2025-03-27", "sch:Reason": "Closed Account", "sch:InterestRate": None, "sch:RepaymentTenure": None, "sch:DisputeCode": None, "sch:TermFrequency": "Monthly", "sch:CollateralValue": None, "sch:CollateralType": None, "sch:AccountStatus": "Closed Account", "sch:AssetClassification": "Standard", "sch:SuitFiledStatus": None, "sch:History48Months": { "sch:Month": [ { "@key": "04-25", "sch:PaymentStatus": "CLSD", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "03-25", "sch:PaymentStatus": "CLSD", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "02-25", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "01-25", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "12-24", "sch:PaymentStatus": "01+", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "SPM" }, { "@key": "11-24", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "10-24", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "09-24", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" }, { "@key": "08-24", "sch:PaymentStatus": "NEW", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" } ] } }, { "@seq": "7", "@ReportedDate": "2025-08-15", "sch:AccountNumber": "**********", "sch:Institution": "FINANCE", "sch:AccountType": "Short Term Personal Loan", "sch:OwnershipType": "Individual", "sch:Balance": "0", "sch:PastDueAmount": "0", "sch:LastPayment": "1065", "sch:Open": "No", "sch:SanctionAmount": "1000", "sch:LastPaymentDate": "2025-08-07", "sch:DateReported": "2025-08-15", "sch:DateOpened": "2025-07-27", "sch:DateClosed": "2025-08-07", "sch:Reason": "Closed Account", "sch:InterestRate": None, "sch:RepaymentTenure": "6", "sch:DisputeCode": None, "sch:TermFrequency": "Monthly", "sch:CollateralValue": None, "sch:CollateralType": None, "sch:AccountStatus": "Closed Account", "sch:AssetClassification": None, "sch:SuitFiledStatus": None, "sch:History48Months": { "sch:Month": [ { "@key": "08-25", "sch:PaymentStatus": "CLSD", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "07-25", "sch:PaymentStatus": "NEW", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" } ] } }, { "@seq": "3", "@ReportedDate": "2025-08-22", "sch:AccountNumber": "**********", "sch:Institution": "FINANCE", "sch:AccountType": "Short Term Personal Loan", "sch:OwnershipType": "Individual", "sch:Balance": "0", "sch:PastDueAmount": "0", "sch:LastPayment": "1060", "sch:Open": "No", "sch:SanctionAmount": "1000", "sch:LastPaymentDate": "2025-08-20", "sch:DateReported": "2025-08-22", "sch:DateOpened": "2025-08-08", "sch:DateClosed": "2025-08-20", "sch:Reason": "Closed Account", "sch:InterestRate": None, "sch:RepaymentTenure": "6", "sch:DisputeCode": None, "sch:TermFrequency": "Monthly", "sch:CollateralValue": None, "sch:CollateralType": None, "sch:AccountStatus": "Closed Account", "sch:AssetClassification": None, "sch:SuitFiledStatus": None, "sch:History48Months": { "sch:Month": { "@key": "08-25", "sch:PaymentStatus": "CLSD", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" } } }, { "@seq": "2", "@ReportedDate": "2025-08-22", "sch:AccountNumber": "**********", "sch:Institution": "FINANCE", "sch:AccountType": "Short Term Personal Loan", "sch:OwnershipType": "Individual", "sch:Balance": "0", "sch:PastDueAmount": "0", "sch:LastPayment": "4256", "sch:Open": "No", "sch:SanctionAmount": "4000", "sch:LastPaymentDate": "2025-08-20", "sch:DateReported": "2025-08-22", "sch:DateOpened": "2025-07-26", "sch:DateClosed": "2025-08-20", "sch:Reason": "Closed Account", "sch:InterestRate": None, "sch:RepaymentTenure": "6", "sch:DisputeCode": None, "sch:TermFrequency": "Monthly", "sch:CollateralValue": None, "sch:CollateralType": None, "sch:AccountStatus": "Closed Account", "sch:AssetClassification": None, "sch:SuitFiledStatus": None, "sch:History48Months": { "sch:Month": [ { "@key": "08-25", "sch:PaymentStatus": "CLSD", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "07-25", "sch:PaymentStatus": "NEW", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" } ] } }, { "@seq": "18", "@ReportedDate": "2019-07-31", "sch:AccountNumber": "**********", "sch:Institution": "FINANCE", "sch:AccountType": "Personal Loan", "sch:OwnershipType": "Individual", "sch:Balance": "0", "sch:PastDueAmount": "0", "sch:Open": "No", "sch:SanctionAmount": "1600", "sch:LastPaymentDate": "2019-07-22", "sch:DateReported": "2019-07-31", "sch:DateOpened": "2019-07-07", "sch:DateClosed": "2019-07-22", "sch:Reason": "Closed Account", "sch:InterestRate": None, "sch:RepaymentTenure": None, "sch:DisputeCode": None, "sch:TermFrequency": "Monthly", "sch:CollateralValue": None, "sch:CollateralType": None, "sch:AccountStatus": "Closed Account", "sch:AssetClassification": "Standard", "sch:SuitFiledStatus": None, "sch:History48Months": { "sch:Month": { "@key": "07-19", "sch:PaymentStatus": "CLSD", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" } } }, { "@seq": "17", "@ReportedDate": "2019-08-31", "sch:AccountNumber": "**********", "sch:Institution": "FINANCE", "sch:AccountType": "Personal Loan", "sch:OwnershipType": "Individual", "sch:Balance": "0", "sch:PastDueAmount": "0", "sch:Open": "No", "sch:SanctionAmount": "4000", "sch:LastPaymentDate": "2019-08-24", "sch:DateReported": "2019-08-31", "sch:DateOpened": "2019-08-13", "sch:DateClosed": "2019-08-24", "sch:Reason": "Closed Account", "sch:InterestRate": None, "sch:RepaymentTenure": None, "sch:DisputeCode": None, "sch:TermFrequency": "Monthly", "sch:CollateralValue": None, "sch:CollateralType": None, 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"sch:History48Months": { "sch:Month": { "@key": "09-19", "sch:PaymentStatus": "CLSD", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" } } }, { "@seq": "14", "@ReportedDate": "2019-12-31", "sch:AccountNumber": "**********", "sch:Institution": "FINANCE", "sch:AccountType": "Personal Loan", "sch:OwnershipType": "Individual", "sch:Balance": "0", "sch:PastDueAmount": "0", "sch:Open": "No", "sch:SanctionAmount": "5000", "sch:LastPaymentDate": "2019-11-07", "sch:DateReported": "2019-12-31", "sch:DateOpened": "2019-09-26", "sch:DateClosed": "2019-12-05", "sch:Reason": "Closed Account", "sch:InterestRate": None, "sch:RepaymentTenure": None, "sch:DisputeCode": None, "sch:TermFrequency": "Monthly", "sch:CollateralValue": None, "sch:CollateralType": None, "sch:AccountStatus": "Closed Account", "sch:AssetClassification": "Standard", "sch:SuitFiledStatus": None, "sch:History48Months": { "sch:Month": [ { "@key": "12-19", "sch:PaymentStatus": "CLSD", "sch:SuitFiledStatus": "*", 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"sch:AssetClassificationStatus": "*" }, { "@key": "01-21", "sch:PaymentStatus": "180+", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "12-20", "sch:PaymentStatus": "180+", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "11-20", "sch:PaymentStatus": "120+", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "10-20", "sch:PaymentStatus": "120+", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "09-20", "sch:PaymentStatus": "90+", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "08-20", "sch:PaymentStatus": "120+", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "07-20", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "06-20", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "05-20", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "04-20", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "03-20", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "02-20", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "01-20", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "12-19", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "11-19", "sch:PaymentStatus": "NEW", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" } ] } }, { "@seq": "11", "@ReportedDate": "2023-07-11", "sch:AccountNumber": "**********", "sch:Institution": "BANK", "sch:AccountType": "Kisan Credit Card", "sch:OwnershipType": "Individual", "sch:Balance": "0", "sch:PastDueAmount": "0", "sch:WriteOffAmount": "858552", "sch:Open": "No", "sch:SanctionAmount": "570000", "sch:LastPaymentDate": "2023-05-31", "sch:DateReported": "2023-07-11", "sch:DateOpened": "2019-11-04", "sch:DateClosed": "2023-06-26", "sch:Reason": None, "sch:InterestRate": None, "sch:RepaymentTenure": None, "sch:DisputeCode": None, "sch:TermFrequency": None, "sch:CollateralValue": "1128000", "sch:CollateralType": "Property", "sch:AccountStatus": "Settled", "sch:AssetClassification": None, "sch:SuitFiledStatus": None, "sch:History48Months": { "sch:Month": [ { "@key": "07-23", "sch:PaymentStatus": "SET", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "06-23", "sch:PaymentStatus": "SET", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "05-23", "sch:PaymentStatus": "720+", "sch:SuitFiledStatus": "SF", "sch:AssetClassificationStatus": "*" }, { "@key": "04-23", "sch:PaymentStatus": "720+", "sch:SuitFiledStatus": "SF", "sch:AssetClassificationStatus": "*" }, { "@key": "03-23", "sch:PaymentStatus": "720+", "sch:SuitFiledStatus": "SF", "sch:AssetClassificationStatus": "*" }, { "@key": "02-23", "sch:PaymentStatus": "720+", "sch:SuitFiledStatus": "SF", "sch:AssetClassificationStatus": "*" }, { "@key": "01-23", "sch:PaymentStatus": "720+", "sch:SuitFiledStatus": "SF", "sch:AssetClassificationStatus": "*" }, { "@key": "12-22", "sch:PaymentStatus": "720+", "sch:SuitFiledStatus": "SF", "sch:AssetClassificationStatus": "*" }, { "@key": "11-22", "sch:PaymentStatus": "720+", "sch:SuitFiledStatus": "SF", "sch:AssetClassificationStatus": "*" }, { "@key": "10-22", "sch:PaymentStatus": "720+", "sch:SuitFiledStatus": "SF", "sch:AssetClassificationStatus": "*" }, { "@key": "09-22", "sch:PaymentStatus": "720+", "sch:SuitFiledStatus": "SF", "sch:AssetClassificationStatus": "*" }, { "@key": "08-22", "sch:PaymentStatus": "720+", "sch:SuitFiledStatus": "SF", "sch:AssetClassificationStatus": "*" }, { "@key": "07-22", "sch:PaymentStatus": "720+", "sch:SuitFiledStatus": "SF", "sch:AssetClassificationStatus": "*" }, { "@key": "06-22", "sch:PaymentStatus": "720+", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "05-22", "sch:PaymentStatus": "540+", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "04-22", "sch:PaymentStatus": "540+", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "03-22", "sch:PaymentStatus": "540+", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "02-22", "sch:PaymentStatus": "540+", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "01-22", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "12-21", "sch:PaymentStatus": "540+", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "11-21", "sch:PaymentStatus": "360+", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "10-21", "sch:PaymentStatus": "360+", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "09-21", "sch:PaymentStatus": "360+", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "08-21", "sch:PaymentStatus": "360+", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "07-21", "sch:PaymentStatus": "360+", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "06-21", "sch:PaymentStatus": "360+", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "05-21", "sch:PaymentStatus": "180+", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "04-21", "sch:PaymentStatus": "180+", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "03-21", "sch:PaymentStatus": "180+", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "02-21", "sch:PaymentStatus": "180+", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "01-21", "sch:PaymentStatus": "180+", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "12-20", "sch:PaymentStatus": "180+", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "11-20", "sch:PaymentStatus": "120+", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "10-20", "sch:PaymentStatus": "120+", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "09-20", "sch:PaymentStatus": "90+", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "08-20", "sch:PaymentStatus": "90+", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "07-20", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "06-20", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "05-20", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "04-20", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "03-20", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "02-20", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "01-20", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "12-19", "sch:PaymentStatus": "000", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "*" }, { "@key": "11-19", "sch:PaymentStatus": "NEW", "sch:SuitFiledStatus": "*", "sch:AssetClassificationStatus": "STD" } ] } } ] keyword_data = { "rules": [ { "value": "SMA", "months": "24", "operator": "=", "tradelines": "0" }, { "value": "SMA", "months": "24", "operator": "=", "tradelines": "0" }, { "value": "LOSS", "months": "24", "operator": "=", "tradelines": "0" }, { "value": "DBT", "months": "24", "operator": "=", "tradelines": "0" }, { "value": "WOF", "months": "24", "operator": "=", "tradelines": "0" }, { "value": "SET", "months": "24", "operator": "=", "tradelines": "0" }, { "value": "WDF", "months": "24", "operator": "=", "tradelines": "0" }, { "value": "SF", "months": "24", "operator": "=", "tradelines": "0" }, { "value": "B", "months": "24", "operator": "=", "tradelines": "0" }, { "value": "D", "months": "24", "operator": "=", "tradelines": "0" }, { "value": "L", "months": "24", "operator": "=", "tradelines": "0" }, { "value": "M", "months": "24", "operator": "=", "tradelines": "0" } ], "status": 1, "ownership": [ "individual", "joint" ], "account_types": [ "LOAN AGAINST SHARES\/SECURITIES", "Gold Loan" ] } ownership_list_mapping = { 'Individual': "1", 'Joint': "2", 'Joint Account': "2", 'Authorized User': "3", 'Authorized user': "3", 'Guarantor': "7", 'Deceased': "20", } account_type_dict = { "1": "Auto Loan", "01": "Auto Loan", "2": "Housing Loan", "02": "Housing Loan", "3": "Property Loan", "03": "Property Loan", "4": "LOAN AGAINST SHARES/SECURITIES", "04": "LOAN AGAINST SHARES/SECURITIES", "5": "Personal Loan", "05": "Personal Loan", "6": "Consumer Loan", "06": "Consumer Loan", "7": "Gold Loan", "07": "Gold Loan", "8": "EDUCATIONAL LOAN", "08": "EDUCATIONAL LOAN", "9": "LOAN TO PROFESSIONAL", "09": "LOAN TO PROFESSIONAL", "10": "Credit Card", "11": "LEASING", "12": "OVERDRAFT", "13": "TWO-WHEELER LOAN", "14": "NON-FUNDED CREDIT FACILITY", "15": "LOAN AGAINST BANK DEPOSITS", "16": "FLEET CARD", "17": "Commercial Vehicle Loan", "18": "Telco – Wireless", "19": "Telco – Broadband", "20": "Telco – Landline", "23": "GECL Secured", "24": "GECL Unsecured", "31": "Secured Credit Card", "32": "Used Car Loan", "33": "Construction Equipment Loan", "34": "Tractor Loan", "35": "Corporate Credit Card", "36": "Kisan Credit Card", "37": "Loan on Credit Card", "38": "Prime Minister Jaan Dhan Yojana - Overdraft", "39": "Mudra Loans – Shishu / Kishor / Tarun", "40": "Microfinance – Business Loan", "41": "Microfinance – Personal Loan", "42": "Microfinance – Housing Loan", "43": "Microfinance – Others", "44": "Pradhan Mantri Awas Yojana - Credit Link Subsidy Scheme MAY CLSS", "45": "P2P Personal Loan", "46": "P2P Auto Loan", "47": "P2P Education Loan", "51": "BUSINESS LOAN – GENERAL", "52": "BUSINESS LOAN –PRIORITY SECTOR – SMALL BUSINESS", "53": "BUSINESS LOAN –PRIORITY SECTOR – AGRICULTURE", "54": "BUSINESS LOAN –PRIORITY SECTOR – OTHERS", "55": "BUSINESS NON-FUNDED CREDIT FACILITY – GENERAL", "56": "BUSINESS NON-FUNDED CREDIT FACILITY – PRIORITY SECTOR – SMALL BUSINESS", "57": "BUSINESS NON-FUNDED CREDIT FACILITY – PRIORITY SECTOR – AGRICULTURE", "58": "BUSINESS NON-FUNDED CREDIT FACILITY – PRIORITY SECTOR – OTHERS", "59": "BUSINESS LOANS AGAINST BANK DEPOSITS", "60": "Staff Loan", "61": "Business Loan - Unsecured", "00": "Others", "50": "Business Loan - Secured", "69": "Short Term Personal Loan [Unsecured]", "70": "Priority Sector Gold Loan [Secured]", "71": "Temporary Overdraft [Unsecured]" } print(keyword_reject_rule(keyword_data, accounts, 'equifax', ownership_list_mapping, account_type_dict))