EMI Phone Locking System Development

I need a robust digital locker that can remotely lock Android phones when a customer misses an EMI payment and then unlock them once the dues are cleared. The core workflow is:

• Integration with my lending platform’s database or API to pull real-time EMI status.
• Automated SMS reminders—at configurable intervals—before any lock action is triggered.
• Remote lock/unlock capability that is tamper-resistant yet compliant with device security policies.
• A lightweight client app or system service on the handset plus a secure, web-based admin panel where I can monitor devices, set grace periods, generate reports, and push overrides if needed.

I expect end-to-end delivery: architecture, clean code (Java/Kotlin or Flutter for the device side; Node.js, Python, or similar on the server), detailed documentation, and a handoff session. Scalability for thousands of devices, encrypted data transport, and audit logs are essential. If you have prior experience with MDM solutions, DRM, or similar remote-control frameworks, that will be a major plus.