Pay Bills

SKILL.md — CreditWithBleon API

Buy data, airtime, and digital products for Nigerian phone numbers via wallet balance.

Base URL: https://lodu.bleon.net/v1

Helper Scripts

These Node.js scripts live in the pay-bills-skill/ directory. Run them with node to generate IDs and manage auth state.

Session Token Commands

node pay-bills-skill/session-token.js check              → { "loggedIn": true/false, "sessionToken": "..." | null }
node pay-bills-skill/session-token.js save <token>       → saves the token to .session_token
node pay-bills-skill/session-token.js load               → prints the saved token (exit 1 if none)
node pay-bills-skill/session-token.js clear              → deletes the saved token (logout)

Workflow

1. Before any [auth] request: run node pay-bills-skill/session-token.js check to see if a session token exists.
   • If loggedIn: true → use the sessionToken value as Authorization: Bearer <sessionToken>.
   • If loggedIn: false → start the login flow (see Auth below).
2. After a successful login (steps that return sessionToken): run node pay-bills-skill/session-token.js save <sessionToken> to persist it.
3. Before placing an order: run node pay-bills-skill/generate-order-id.js to get a fresh trx_id.
4. For auth requests: run node pay-bills-skill/generate-device-id.js (no userId before login). After login, run node pay-bills-skill/generate-device-id.js <userId> to bind the device to the user.
5. On logout or 401: run node pay-bills-skill/session-token.js clear and re-auth.

Auth

All [auth] endpoints need Authorization: Bearer <sessionToken>. If 401 → run node pay-bills-skill/session-token.js clear and re-auth.

Login flow (no auth needed):

1. POST /auth/start         { "phoneNumber":"08031234567", "deviceId":"<run: node pay-bills-skill/generate-device-id.js>" }
                             → { success, data: { sessionId, nextStep } }

   nextStep will be one of:
   - "verify_otp"        → new user OR unrecognized device
   - "enter_pin"         → known device, go straight to step 3

2. POST /auth/verify-otp    { "sessionId":"<from-step-1>", "code":"123456" }  ← 6 digits from SMS
                             → { success, data: { sessionId, nextStep } }

   nextStep will be one of:
   - "set_pin"           → new user, needs to create 4-digit PIN
   - "enter_pin"         → existing user, new device
   - "complete_profile"  → profile incomplete

2b. POST /auth/set-pin      { "sessionId":"...", "pin":"1234" }  ← 4 digits (new users only)
                             → { success, data: { sessionId, nextStep:"complete_profile" } }

2c. POST /auth/complete-profile  { "sessionId":"...", "fullName":"John Doe", "email":"j@x.com" }
                             → { success, data: { sessionId, nextStep:"verify_email" } }

2d. POST /auth/verify-email  { "sessionId":"...", "code":"123456" }  ← 6 digits from email
                             → { success, sessionToken, userId }  ✓ DONE
                             → then run: node pay-bills-skill/session-token.js save <sessionToken>

3. POST /auth/verify-pin    { "sessionId":"<from-above>", "pin":"1234" }  ← 4 digits
                             → { success, sessionToken, userId }  ✓ DONE
                             → then run: node pay-bills-skill/session-token.js save <sessionToken>

Returning user (known device): steps 1 → 3 only. Returning user (new device): steps 1 → 2 → 3. New user: steps 1 → 2 → 2b → 2c → 2d.

Other auth endpoints:

• POST /auth/resend-otp { sessionId } — 60s cooldown, max 5/hour
• POST /auth/forgot-pin { phoneNumber, deviceId } → OTP flow → set new PIN
• POST /auth/logout { sessionToken } → then run node pay-bills-skill/session-token.js clear

Rate limits: OTP: 5 sends/hour, 3 verify attempts/code. PIN: 5 attempts/15min, 5min lockout after.

Buy Data

1. POST /utils/phone/normalize   { "phone": "<raw>" }           → { ok, data: "08031234567" }
2. POST /utils/phone/predict     { "phone": "08031234567" }      → { ok, data: { phone, network } }
3. GET  /product/networks                                        → [{ id, name, status }]
4. GET  /product/networks/:networkId/data-plans                  → { categories, plans: { daily[], weekly[], monthly[] } }
   Each plan: { id, name, amount, durationDays, category, status }  — only use status:"active"
5. GET  /user/balance  [auth]                                    → { ok, balance, points }
6. POST /orders  [auth]
   { "type":"data", "payment_method":"wallet", "trx_id":"<run: node pay-bills-skill/generate-order-id.js>", "use_points":false,
     "data": { "phone":"08031234567", "data_id": 42 } }
   → { ok, message, transactionId }
7. GET  /orders/:transactionId/status  [auth]                    → { status, reference, createdAt }

Buy Airtime

Same steps 1-3, skip step 4. Minimum ₦50.

POST /orders  [auth]
{ "type":"airtime", "payment_method":"wallet", "trx_id":"<run: node pay-bills-skill/generate-order-id.js>", "use_points":false,
  "data": { "phone":"08031234567", "network_id":1, "amount":500 } }

Order Statuses

Call only if the user wants to know the status of an order they placed.

Other Endpoints (all [auth])

GET  /user/balance                → { balance, points }
GET  /user/profile                → { id, balance, fullName, email, phone }
GET  /user/deposit-account        → { account: { AccountNumber, AccountName, BankName } | null }
GET  /transactions?page=&limit=&type=&status=&fromDate=&toDate=  → { transactions[], total, page, totalPages }
GET  /transactions/recent-phones  → { recentlyUsedPhones: [{ phone_number, network_id, network_name }] }
POST /payment/deposit [auth]      { amount (min 100) } → { paymentLink }

Notification Preferences (all [auth])

Users can view and update which notifications they receive.

GET   /user/notification-preferences                → { ok, preferences }
PATCH /user/notification-preferences                → { ok, preferences }

Preference Fields (all boolean, all optional on update)

Example

PATCH /user/notification-preferences
{ "promotionalEmails": false, "lowBalanceWarning": false }
→ { "ok": true, "preferences": { ...all fields... } }

Saved Contacts (all [auth])

Users can save phone numbers with names for quick reference. When a user says "buy data for Mum" or "send airtime to John", search their saved contacts first.

GET    /contacts?page=&limit=&search=    → { contacts[], total, page, totalPages }
POST   /contacts                          { "name":"Mum", "phoneNumber":"09012345678" } → { ok, contact }
PATCH  /contacts/:id                      { "name":"Mother" } or { "phoneNumber":"..." } or both → { ok, contact }
DELETE /contacts/:id                      → { ok, message:"Contact deleted" }
GET    /contacts/search?name=mum          → { ok, contacts: [{ id, name, phoneNumber }] }  (max 5 results)

• A phone number can only be saved once per user (409 Conflict on duplicate)
• search param on GET /contacts matches name or phone (partial)
• GET /contacts/search?name= is a quick lookup — use it to resolve a name to a phone number

Contact Behaviors

• After a successful purchase: if the phone number isn't already saved, suggest saving it: "Would you like to save 0803 123 4567 with a name so you can quickly buy for them next time?"
• When user refers to a name: search contacts via GET /contacts/search?name=...
  • 1 match → use that phone number (confirm with user)
  • Multiple matches → show options, ask which one
  • No match → ask user for the phone number
• "Buy for Mum" flow: search contacts → find phone → normalize → predict network → fetch plans → confirm → order

Product Discovery (no auth)

GET /product/networks
GET /product/networks/:id/data-plans
GET /product/data-plans/:dataId
GET /product/education

Key Rules

• Always normalize phone before anything — POST /utils/phone/normalize
• Always predict network — POST /utils/phone/predict (don't guess from prefix)
• Never hardcode network IDs or plan IDs — fetch fresh every time
• trx_id must be unique per attempt — run node pay-bills-skill/generate-order-id.js for each order, never reuse even on failure
• Check balance before wallet orders — if insufficient, suggest deposit
• Confirm with user before submitting — show plan, price, phone, balance
• Network status must be up — don't order on down networks
• Plan status must be active — skip disabled plans
• payment_method wallet is preferred for agent purchases (instant, no redirect)
• Use GET /transactions/recent-phones for quick re-orders ("buy same as last time")
• Use GET /contacts/search?name= when user refers to someone by name ("buy for Mum")
• After a successful purchase, suggest saving the number if it's not already in contacts
• User's own phone is in GET /user/profile → phone field

Enums

• type: data, airtime
• payment_method: wallet, online
• transaction type: deposit, purchase_data, purchase_airtime, giveaway_funding, giveaway_claim
• plan category: daily, weekly, monthly, yearly