FINERACT-1839: Reversal on the loan account after CBR / Chargeback
This commit is contained in:
Adam Saghy
committed by
Arnold Gálovics
Arnold Gálovics
parent
d7acfc1e5d
commit
0a2db35f8d
+229
@@ -7137,6 +7137,235 @@ public class ClientLoanIntegrationTest {
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}
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}
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@Test
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public void testCreditBalanceRefundAfterMaturityWithReverseReplayOfRepayments() {
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try {
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GlobalConfigurationHelper.updateIsAutomaticExternalIdGenerationEnabled(this.requestSpec, this.responseSpec, true);
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GlobalConfigurationHelper.updateIsBusinessDateEnabled(this.requestSpec, this.responseSpec, true);
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businessDateHelper.updateBusinessDate(new BusinessDateRequest().type(BusinessDateType.BUSINESS_DATE.getName())
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.date("2022.10.10").dateFormat("yyyy.MM.dd").locale("en"));
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final Account assetAccount = this.accountHelper.createAssetAccount();
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final Account incomeAccount = this.accountHelper.createIncomeAccount();
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final Account expenseAccount = this.accountHelper.createExpenseAccount();
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final Account overpaymentAccount = this.accountHelper.createLiabilityAccount();
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final Integer loanProductID = createLoanProductWithPeriodicAccrualAccountingNoInterest(assetAccount, incomeAccount,
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expenseAccount, overpaymentAccount);
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final Integer clientID = ClientHelper.createClient(requestSpec, responseSpec, "01 January 2011");
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final Integer loanID = applyForLoanApplication(clientID, loanProductID);
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HashMap<String, Object> loanStatusHashMap = LoanStatusChecker.getStatusOfLoan(requestSpec, responseSpec, loanID);
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LoanStatusChecker.verifyLoanIsPending(loanStatusHashMap);
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loanStatusHashMap = this.loanTransactionHelper.approveLoan("02 September 2022", loanID);
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LoanStatusChecker.verifyLoanIsApproved(loanStatusHashMap);
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LoanStatusChecker.verifyLoanIsWaitingForDisbursal(loanStatusHashMap);
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loanStatusHashMap = this.loanTransactionHelper.disburseLoanWithNetDisbursalAmount("03 September 2022", loanID, "1000");
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LoanStatusChecker.verifyLoanIsActive(loanStatusHashMap);
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this.loanTransactionHelper.makeRepayment("04 September 2022", Float.parseFloat("100"), loanID);
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this.loanTransactionHelper.makeRepayment("05 September 2022", Float.parseFloat("1100"), loanID);
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GetLoansLoanIdResponse loanDetails = this.loanTransactionHelper.getLoanDetails((long) loanID);
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assertEquals(200.0, loanDetails.getTotalOverpaid());
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assertTrue(loanDetails.getStatus().getOverpaid());
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this.loanTransactionHelper.makeCreditBalanceRefund((long) loanID, new PostLoansLoanIdTransactionsRequest()
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.transactionAmount(200.0).transactionDate("10 October 2022").dateFormat("dd MMMM yyyy").locale("en"));
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loanDetails = this.loanTransactionHelper.getLoanDetails((long) loanID);
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assertTrue(loanDetails.getStatus().getClosedObligationsMet());
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assertEquals(2, loanDetails.getRepaymentSchedule().getPeriods().size());
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assertEquals(1000, loanDetails.getRepaymentSchedule().getPeriods().get(1).getPrincipalDue());
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assertEquals(100.0, loanDetails.getTransactions().get(1).getAmount());
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assertEquals(100.0, loanDetails.getTransactions().get(1).getPrincipalPortion());
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assertEquals(LocalDate.of(2022, 9, 4), loanDetails.getTransactions().get(1).getDate());
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assertEquals(900.0, loanDetails.getTransactions().get(1).getOutstandingLoanBalance());
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assertEquals(1100.0, loanDetails.getTransactions().get(2).getAmount());
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assertEquals(900.0, loanDetails.getTransactions().get(2).getPrincipalPortion());
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assertEquals(200.0, loanDetails.getTransactions().get(2).getOverpaymentPortion());
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assertEquals(LocalDate.of(2022, 9, 5), loanDetails.getTransactions().get(2).getDate());
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assertEquals(0.0, loanDetails.getTransactions().get(2).getOutstandingLoanBalance());
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assertEquals(200.0, loanDetails.getTransactions().get(3).getAmount());
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assertEquals(200.0, loanDetails.getTransactions().get(3).getOverpaymentPortion());
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assertEquals(LocalDate.of(2022, 10, 10), loanDetails.getTransactions().get(3).getDate());
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assertEquals(0.0, loanDetails.getTransactions().get(3).getOutstandingLoanBalance());
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this.loanTransactionHelper.reverseLoanTransaction(loanDetails.getId(), loanDetails.getTransactions().get(1).getId(),
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new PostLoansLoanIdTransactionsTransactionIdRequest().dateFormat("dd MMMM yyyy").transactionAmount(0.0)
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.transactionDate("10 October 2022").locale("en"));
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loanDetails = this.loanTransactionHelper.getLoanDetails((long) loanID);
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assertEquals(100.0, loanDetails.getTransactions().get(1).getAmount());
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assertEquals(100.0, loanDetails.getTransactions().get(1).getPrincipalPortion());
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assertEquals(LocalDate.of(2022, 9, 4), loanDetails.getTransactions().get(1).getDate());
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assertTrue(loanDetails.getTransactions().get(1).getManuallyReversed());
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assertEquals(1100.0, loanDetails.getTransactions().get(2).getAmount());
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assertEquals(1000.0, loanDetails.getTransactions().get(2).getPrincipalPortion());
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assertEquals(100.0, loanDetails.getTransactions().get(2).getOverpaymentPortion());
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assertEquals(LocalDate.of(2022, 9, 5), loanDetails.getTransactions().get(2).getDate());
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assertEquals(0.0, loanDetails.getTransactions().get(2).getOutstandingLoanBalance());
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assertEquals(1, loanDetails.getTransactions().get(2).getTransactionRelations().size());
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assertEquals(200.0, loanDetails.getTransactions().get(3).getAmount());
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assertEquals(100.0, loanDetails.getTransactions().get(3).getPrincipalPortion());
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assertEquals(100.0, loanDetails.getTransactions().get(3).getOverpaymentPortion());
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assertEquals(100.0, loanDetails.getTransactions().get(3).getOutstandingLoanBalance());
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assertEquals(LocalDate.of(2022, 10, 10), loanDetails.getTransactions().get(3).getDate());
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assertEquals(1, loanDetails.getTransactions().get(3).getTransactionRelations().size());
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assertTrue(loanDetails.getStatus().getActive());
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assertEquals(3, loanDetails.getRepaymentSchedule().getPeriods().size());
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assertEquals(1000, loanDetails.getRepaymentSchedule().getPeriods().get(1).getPrincipalDue());
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assertTrue(loanDetails.getRepaymentSchedule().getPeriods().get(1).getComplete());
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assertEquals(200, loanDetails.getRepaymentSchedule().getPeriods().get(2).getPrincipalDue());
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assertFalse(loanDetails.getRepaymentSchedule().getPeriods().get(2).getComplete());
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assertEquals(100.0, loanDetails.getRepaymentSchedule().getPeriods().get(2).getPrincipalPaid());
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assertEquals(100.0, loanDetails.getRepaymentSchedule().getPeriods().get(2).getPrincipalOutstanding());
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} finally {
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GlobalConfigurationHelper.updateIsAutomaticExternalIdGenerationEnabled(this.requestSpec, this.responseSpec, false);
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GlobalConfigurationHelper.updateIsBusinessDateEnabled(this.requestSpec, this.responseSpec, false);
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}
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}
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@Test
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public void testCreditBalanceRefundBeforeMaturityWithReverseReplayOfRepaymentsAndRefund() {
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try {
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GlobalConfigurationHelper.updateIsAutomaticExternalIdGenerationEnabled(this.requestSpec, this.responseSpec, true);
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GlobalConfigurationHelper.updateIsBusinessDateEnabled(this.requestSpec, this.responseSpec, true);
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businessDateHelper.updateBusinessDate(new BusinessDateRequest().type(BusinessDateType.BUSINESS_DATE.getName())
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.date("2022.10.10").dateFormat("yyyy.MM.dd").locale("en"));
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final Account assetAccount = this.accountHelper.createAssetAccount();
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final Account incomeAccount = this.accountHelper.createIncomeAccount();
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final Account expenseAccount = this.accountHelper.createExpenseAccount();
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final Account overpaymentAccount = this.accountHelper.createLiabilityAccount();
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final Integer loanProductID = createLoanProductWithPeriodicAccrualAccountingNoInterest(assetAccount, incomeAccount,
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expenseAccount, overpaymentAccount);
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final Integer clientID = ClientHelper.createClient(requestSpec, responseSpec, "01 January 2011");
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final Integer loanID = applyForLoanApplication(clientID, loanProductID);
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HashMap<String, Object> loanStatusHashMap = LoanStatusChecker.getStatusOfLoan(requestSpec, responseSpec, loanID);
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LoanStatusChecker.verifyLoanIsPending(loanStatusHashMap);
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loanStatusHashMap = this.loanTransactionHelper.approveLoan("02 September 2022", loanID);
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LoanStatusChecker.verifyLoanIsApproved(loanStatusHashMap);
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LoanStatusChecker.verifyLoanIsWaitingForDisbursal(loanStatusHashMap);
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loanStatusHashMap = this.loanTransactionHelper.disburseLoanWithNetDisbursalAmount("03 September 2022", loanID, "1000");
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LoanStatusChecker.verifyLoanIsActive(loanStatusHashMap);
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this.loanTransactionHelper.makeRepayment("04 September 2022", Float.parseFloat("500"), loanID);
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this.loanTransactionHelper.makeRepayment("05 September 2022", Float.parseFloat("700"), loanID);
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GetLoansLoanIdResponse loanDetails = this.loanTransactionHelper.getLoanDetails((long) loanID);
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assertEquals(200.0, loanDetails.getTotalOverpaid());
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assertTrue(loanDetails.getStatus().getOverpaid());
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this.loanTransactionHelper.makeCreditBalanceRefund((long) loanID, new PostLoansLoanIdTransactionsRequest()
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.transactionAmount(200.0).transactionDate("06 September 2022").dateFormat("dd MMMM yyyy").locale("en"));
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this.loanTransactionHelper.makeMerchantIssuedRefund((long) loanID, new PostLoansLoanIdTransactionsRequest().locale("en")
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.dateFormat("dd MMMM yyyy").transactionDate("07 September 2022").transactionAmount(500.0));
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this.loanTransactionHelper.makeCreditBalanceRefund((long) loanID, new PostLoansLoanIdTransactionsRequest()
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.transactionAmount(500.0).transactionDate("08 September 2022").dateFormat("dd MMMM yyyy").locale("en"));
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loanDetails = this.loanTransactionHelper.getLoanDetails((long) loanID);
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assertTrue(loanDetails.getStatus().getClosedObligationsMet());
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assertEquals(2, loanDetails.getRepaymentSchedule().getPeriods().size());
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assertEquals(1000, loanDetails.getRepaymentSchedule().getPeriods().get(1).getPrincipalDue());
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assertEquals(500.0, loanDetails.getTransactions().get(1).getAmount());
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assertEquals(500.0, loanDetails.getTransactions().get(1).getPrincipalPortion());
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assertEquals(LocalDate.of(2022, 9, 4), loanDetails.getTransactions().get(1).getDate());
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assertEquals(500.0, loanDetails.getTransactions().get(1).getOutstandingLoanBalance());
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assertEquals(700.0, loanDetails.getTransactions().get(2).getAmount());
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assertEquals(500.0, loanDetails.getTransactions().get(2).getPrincipalPortion());
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assertEquals(200.0, loanDetails.getTransactions().get(2).getOverpaymentPortion());
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assertEquals(LocalDate.of(2022, 9, 5), loanDetails.getTransactions().get(2).getDate());
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assertEquals(0.0, loanDetails.getTransactions().get(2).getOutstandingLoanBalance());
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assertEquals(200.0, loanDetails.getTransactions().get(3).getAmount());
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assertEquals(200.0, loanDetails.getTransactions().get(3).getOverpaymentPortion());
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assertEquals(LocalDate.of(2022, 9, 6), loanDetails.getTransactions().get(3).getDate());
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assertEquals(0.0, loanDetails.getTransactions().get(3).getOutstandingLoanBalance());
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assertEquals(500.0, loanDetails.getTransactions().get(4).getAmount());
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assertEquals(500.0, loanDetails.getTransactions().get(4).getOverpaymentPortion());
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assertEquals(LocalDate.of(2022, 9, 7), loanDetails.getTransactions().get(4).getDate());
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assertEquals(0.0, loanDetails.getTransactions().get(4).getOutstandingLoanBalance());
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assertEquals(500.0, loanDetails.getTransactions().get(5).getAmount());
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assertEquals(500.0, loanDetails.getTransactions().get(5).getOverpaymentPortion());
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assertEquals(LocalDate.of(2022, 9, 8), loanDetails.getTransactions().get(5).getDate());
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assertEquals(0.0, loanDetails.getTransactions().get(5).getOutstandingLoanBalance());
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this.loanTransactionHelper.reverseLoanTransaction(loanDetails.getId(), loanDetails.getTransactions().get(2).getId(),
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new PostLoansLoanIdTransactionsTransactionIdRequest().dateFormat("dd MMMM yyyy").transactionAmount(0.0)
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.transactionDate("07 September 2022").locale("en"));
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loanDetails = this.loanTransactionHelper.getLoanDetails((long) loanID);
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assertEquals(500.0, loanDetails.getTransactions().get(1).getAmount());
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assertEquals(500.0, loanDetails.getTransactions().get(1).getPrincipalPortion());
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assertEquals(LocalDate.of(2022, 9, 4), loanDetails.getTransactions().get(1).getDate());
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assertEquals(500.0, loanDetails.getTransactions().get(1).getOutstandingLoanBalance());
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assertEquals(700.0, loanDetails.getTransactions().get(2).getAmount());
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assertEquals(500.0, loanDetails.getTransactions().get(2).getPrincipalPortion());
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assertEquals(200.0, loanDetails.getTransactions().get(2).getOverpaymentPortion());
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assertEquals(LocalDate.of(2022, 9, 5), loanDetails.getTransactions().get(2).getDate());
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assertEquals(0.0, loanDetails.getTransactions().get(2).getOutstandingLoanBalance());
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assertTrue(loanDetails.getTransactions().get(2).getManuallyReversed());
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assertEquals(200.0, loanDetails.getTransactions().get(3).getAmount());
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assertEquals(200.0, loanDetails.getTransactions().get(3).getPrincipalPortion());
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assertEquals(LocalDate.of(2022, 9, 6), loanDetails.getTransactions().get(3).getDate());
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assertEquals(700.0, loanDetails.getTransactions().get(3).getOutstandingLoanBalance());
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assertEquals(1, loanDetails.getTransactions().get(3).getTransactionRelations().size());
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assertEquals(500.0, loanDetails.getTransactions().get(4).getAmount());
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assertEquals(500.0, loanDetails.getTransactions().get(4).getPrincipalPortion());
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assertEquals(LocalDate.of(2022, 9, 7), loanDetails.getTransactions().get(4).getDate());
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assertEquals(200.0, loanDetails.getTransactions().get(4).getOutstandingLoanBalance());
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assertEquals(1, loanDetails.getTransactions().get(4).getTransactionRelations().size());
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assertEquals(500.0, loanDetails.getTransactions().get(5).getAmount());
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assertEquals(500.0, loanDetails.getTransactions().get(5).getPrincipalPortion());
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assertEquals(LocalDate.of(2022, 9, 8), loanDetails.getTransactions().get(5).getDate());
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assertEquals(700.0, loanDetails.getTransactions().get(5).getOutstandingLoanBalance());
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assertEquals(1, loanDetails.getTransactions().get(5).getTransactionRelations().size());
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assertTrue(loanDetails.getStatus().getActive());
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assertEquals(2, loanDetails.getRepaymentSchedule().getPeriods().size());
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assertEquals(1700, loanDetails.getRepaymentSchedule().getPeriods().get(1).getPrincipalDue());
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assertFalse(loanDetails.getRepaymentSchedule().getPeriods().get(1).getComplete());
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assertEquals(1000.0, loanDetails.getRepaymentSchedule().getPeriods().get(1).getPrincipalPaid());
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assertEquals(700.0, loanDetails.getRepaymentSchedule().getPeriods().get(1).getPrincipalOutstanding());
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} finally {
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GlobalConfigurationHelper.updateIsAutomaticExternalIdGenerationEnabled(this.requestSpec, this.responseSpec, false);
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GlobalConfigurationHelper.updateIsBusinessDateEnabled(this.requestSpec, this.responseSpec, false);
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}
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}
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private Integer applyForLoanApplication(final Integer clientID, final Integer loanProductID) {
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LOG.info("--------------------------------APPLYING FOR LOAN APPLICATION--------------------------------");
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final String loanApplicationJSON = new LoanApplicationTestBuilder().withPrincipal("1000").withLoanTermFrequency("1")
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