FINERACT-1839: Fix N+1 installment due date

2023-08-28 11:20:00 +02:00
parent 33ff4f5492
commit 0c3863471b
3 changed files with 235 additions and 5 deletions
@@ -871,8 +871,7 @@ public class LoanRepaymentScheduleInstallment extends AbstractAuditableWithUTCDa
        }
    }

-    public void updateDueAndCredits(final LocalDate transactionDate, final Money transactionAmount) {
-        updateDueDate(transactionDate);
+    public void updateCredits(final LocalDate transactionDate, final Money transactionAmount) {
        addToCredits(transactionAmount.getAmount());
        addToPrincipal(transactionDate, transactionAmount);
    }
@@ -372,10 +372,10 @@ public abstract class AbstractLoanRepaymentScheduleTransactionProcessor implemen
                    loanTransactionMapped = true;
                    break;

-                    // If already exists an additional installment just update the due date and
-                    // principal from the Loan charge back transaction
+                    // If already exists an additional installment just update
+                    // principal from the Loan chargeback / CBR transaction
                } else if (currentInstallment.isAdditional()) {
-                    currentInstallment.updateDueAndCredits(transactionDate, transactionAmount);
+                    currentInstallment.updateCredits(transactionDate, transactionAmount);
                    if (repaidAmount.isGreaterThanZero()) {
                        currentInstallment.payPrincipalComponent(loanTransaction.getTransactionDate(), repaidAmount);
                        transactionMappings.add(LoanTransactionToRepaymentScheduleMapping.createFrom(loanTransaction, currentInstallment,
@@ -0,0 +1,231 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.integrationtests;
+
+import static org.junit.jupiter.api.Assertions.assertEquals;
+import static org.junit.jupiter.api.Assertions.assertTrue;
+
+import io.restassured.builder.RequestSpecBuilder;
+import io.restassured.builder.ResponseSpecBuilder;
+import io.restassured.http.ContentType;
+import io.restassured.specification.RequestSpecification;
+import io.restassured.specification.ResponseSpecification;
+import java.time.LocalDate;
+import java.time.format.DateTimeFormatter;
+import java.time.format.DateTimeFormatterBuilder;
+import java.util.HashMap;
+import java.util.List;
+import java.util.UUID;
+import org.apache.fineract.client.models.BusinessDateRequest;
+import org.apache.fineract.client.models.GetLoanProductsProductIdResponse;
+import org.apache.fineract.client.models.GetLoansLoanIdResponse;
+import org.apache.fineract.client.models.PostLoansLoanIdTransactionsRequest;
+import org.apache.fineract.client.models.PostLoansLoanIdTransactionsResponse;
+import org.apache.fineract.client.models.PostLoansLoanIdTransactionsTransactionIdRequest;
+import org.apache.fineract.infrastructure.businessdate.domain.BusinessDateType;
+import org.apache.fineract.integrationtests.common.BusinessDateHelper;
+import org.apache.fineract.integrationtests.common.ClientHelper;
+import org.apache.fineract.integrationtests.common.GlobalConfigurationHelper;
+import org.apache.fineract.integrationtests.common.Utils;
+import org.apache.fineract.integrationtests.common.charges.ChargesHelper;
+import org.apache.fineract.integrationtests.common.loans.LoanApplicationTestBuilder;
+import org.apache.fineract.integrationtests.common.loans.LoanProductTestBuilder;
+import org.apache.fineract.integrationtests.common.loans.LoanTestLifecycleExtension;
+import org.apache.fineract.integrationtests.common.loans.LoanTransactionHelper;
+import org.apache.fineract.integrationtests.inlinecob.InlineLoanCOBHelper;
+import org.junit.jupiter.api.BeforeEach;
+import org.junit.jupiter.api.Test;
+import org.junit.jupiter.api.extension.ExtendWith;
+
+@ExtendWith(LoanTestLifecycleExtension.class)
+public class LoanTransactionReverseReplayTest {
+
+    private static final String DATE_PATTERN = "dd MMMM yyyy";
+    private final BusinessDateHelper businessDateHelper = new BusinessDateHelper();
+    private final DateTimeFormatter dateFormatter = new DateTimeFormatterBuilder().appendPattern(DATE_PATTERN).toFormatter();
+    private ResponseSpecification responseSpec;
+    private RequestSpecification requestSpec;
+    private ClientHelper clientHelper;
+    private LoanTransactionHelper loanTransactionHelper;
+    private InlineLoanCOBHelper inlineLoanCOBHelper;
+
+    @BeforeEach
+    public void setup() {
+        Utils.initializeRESTAssured();
+        requestSpec = new RequestSpecBuilder().setContentType(ContentType.JSON).build();
+        requestSpec.header("Authorization", "Basic " + Utils.loginIntoServerAndGetBase64EncodedAuthenticationKey());
+        this.requestSpec.header("Fineract-Platform-TenantId", "default");
+        responseSpec = new ResponseSpecBuilder().expectStatusCode(200).build();
+        loanTransactionHelper = new LoanTransactionHelper(requestSpec, responseSpec);
+        clientHelper = new ClientHelper(requestSpec, responseSpec);
+        inlineLoanCOBHelper = new InlineLoanCOBHelper(requestSpec, responseSpec);
+    }
+
+    /**
+     * 1. Loan created and disbursed. // 2. Loan repayment on expected maturity date. // 3. Merchant issues refund
+     * post-maturity. // 4. CBR the next morning (after COB) // 5. Loan repayment reverses triggering reverse-replay of
+     * MIR and CBR. This also creates the additional repayment schedule. // 6. Charge added AFTER (NOT on the same day
+     * of) CBR. // 7. When the COB runs on the charge date, accruals are created. //
+     */
+    @Test
+    public void loanTransactionReverseReplayWithAdditionalInstallmentAndChargesTest() {
+        try {
+            GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.TRUE);
+            businessDateHelper.updateBusinessDate(new BusinessDateRequest().type(BusinessDateType.BUSINESS_DATE.getName())
+                    .date("04 October 2022").dateFormat(DATE_PATTERN).locale("en"));
+
+            // Loan ExternalId
+            String loanExternalIdStr = UUID.randomUUID().toString();
+
+            // Client and Loan account creation
+
+            final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue();
+            final GetLoanProductsProductIdResponse loanProductsProductResponse = createLoanProduct(loanTransactionHelper);
+
+            final Integer loanId = createLoanAccount(clientId, loanProductsProductResponse.getId(), loanExternalIdStr);
+
+            // Add Charge
+            Integer penalty = ChargesHelper.createCharges(requestSpec, responseSpec,
+                    ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "10", true));
+
+            final PostLoansLoanIdTransactionsResponse repaymentTransaction = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr,
+                    new PostLoansLoanIdTransactionsRequest().dateFormat(DATE_PATTERN).transactionDate("03 October 2022").locale("en")
+                            .transactionAmount(1000.0));
+
+            loanTransactionHelper.makeMerchantIssuedRefund(loanExternalIdStr, new PostLoansLoanIdTransactionsRequest()
+                    .dateFormat(DATE_PATTERN).transactionDate("04 October 2022").locale("en").transactionAmount(500.0));
+
+            inlineLoanCOBHelper.executeInlineCOB(List.of(loanId.longValue()));
+
+            businessDateHelper.updateBusinessDate(new BusinessDateRequest().type(BusinessDateType.BUSINESS_DATE.getName())
+                    .date("05 October 2022").dateFormat(DATE_PATTERN).locale("en"));
+
+            loanTransactionHelper.makeCreditBalanceRefund(loanExternalIdStr, new PostLoansLoanIdTransactionsRequest()
+                    .dateFormat(DATE_PATTERN).transactionDate("05 October 2022").locale("en").transactionAmount(500.0));
+
+            businessDateHelper.updateBusinessDate(new BusinessDateRequest().type(BusinessDateType.BUSINESS_DATE.getName())
+                    .date("06 October 2022").dateFormat(DATE_PATTERN).locale("en"));
+
+            loanTransactionHelper.reverseLoanTransaction(loanExternalIdStr, repaymentTransaction.getResourceId(),
+                    new PostLoansLoanIdTransactionsTransactionIdRequest().transactionDate("06 October 2022").locale("en")
+                            .dateFormat(DATE_PATTERN).transactionAmount(0.0));
+
+            LocalDate targetDate = LocalDate.of(2022, 10, 6);
+            final String penaltyCharge1AddedDate = dateFormatter.format(targetDate);
+            loanTransactionHelper.addChargesForLoan(loanId,
+                    LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), penaltyCharge1AddedDate, "10"));
+            inlineLoanCOBHelper.executeInlineCOB(List.of(loanId.longValue()));
+            GetLoansLoanIdResponse loansLoanIdResponse = loanTransactionHelper.getLoanDetails(loanExternalIdStr);
+            int lastTransactionIndex = loansLoanIdResponse.getTransactions().size() - 1;
+            assertTrue(loansLoanIdResponse.getTransactions().get(lastTransactionIndex).getType().getAccrual());
+            assertEquals(10.0, loansLoanIdResponse.getTransactions().get(lastTransactionIndex).getAmount());
+        } finally {
+            GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.FALSE);
+        }
+    }
+
+    /**
+     * 1 create a loan account - approve and disburse // 2. make repayment (fully paid) // 3. add the charge greater
+     * than the maturity date // 4. make 2nd payment with excess amount - the loan will move to overpaid state. // 5. Do
+     * a CBR transaction // 6. reverse the 2nd payment // 7. check the repayment schedule due date. //
+     */
+    @Test
+    public void loanTransactionReverseReplayWithAdditionalInstallmentAndChargesScheduleDueDateTest() {
+        try {
+            GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.TRUE);
+            businessDateHelper.updateBusinessDate(new BusinessDateRequest().type(BusinessDateType.BUSINESS_DATE.getName())
+                    .date("04 October 2022").dateFormat(DATE_PATTERN).locale("en"));
+
+            // Loan ExternalId
+            String loanExternalIdStr = UUID.randomUUID().toString();
+
+            // Client and Loan account creation
+
+            final Integer clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId().intValue();
+            final GetLoanProductsProductIdResponse loanProductsProductResponse = createLoanProduct(loanTransactionHelper);
+
+            final Integer loanId = createLoanAccount(clientId, loanProductsProductResponse.getId(), loanExternalIdStr);
+
+            // Add Charge
+            Integer penalty = ChargesHelper.createCharges(requestSpec, responseSpec,
+                    ChargesHelper.getLoanSpecifiedDueDateJSON(ChargesHelper.CHARGE_CALCULATION_TYPE_FLAT, "10", true));
+
+            // make repayment
+            loanTransactionHelper.makeLoanRepayment(loanExternalIdStr, new PostLoansLoanIdTransactionsRequest().dateFormat(DATE_PATTERN)
+                    .transactionDate("03 October 2022").locale("en").transactionAmount(1000.0));
+
+            LocalDate targetDate = LocalDate.of(2022, 10, 10);
+            final String penaltyCharge1AddedDate = dateFormatter.format(targetDate);
+            loanTransactionHelper.addChargesForLoan(loanId,
+                    LoanTransactionHelper.getSpecifiedDueDateChargesForLoanAsJSON(String.valueOf(penalty), penaltyCharge1AddedDate, "10"));
+            inlineLoanCOBHelper.executeInlineCOB(List.of(loanId.longValue()));
+
+            GetLoansLoanIdResponse loansLoanIdResponse = loanTransactionHelper.getLoanDetails(loanExternalIdStr);
+            int lastTransactionIndex = loansLoanIdResponse.getTransactions().size() - 1;
+            assertTrue(loansLoanIdResponse.getTransactions().get(lastTransactionIndex).getType().getAccrual());
+            assertEquals(10.0, loansLoanIdResponse.getTransactions().get(lastTransactionIndex).getAmount());
+            int lastPeriodIndex = loansLoanIdResponse.getRepaymentSchedule().getPeriods().size() - 1;
+            assertEquals(LocalDate.of(2022, 10, 10),
+                    loansLoanIdResponse.getRepaymentSchedule().getPeriods().get(lastPeriodIndex).getDueDate());
+
+            businessDateHelper.updateBusinessDate(new BusinessDateRequest().type(BusinessDateType.BUSINESS_DATE.getName())
+                    .date("06 October 2022").dateFormat(DATE_PATTERN).locale("en"));
+
+            final PostLoansLoanIdTransactionsResponse repaymentTransaction = loanTransactionHelper.makeLoanRepayment(loanExternalIdStr,
+                    new PostLoansLoanIdTransactionsRequest().dateFormat(DATE_PATTERN).transactionDate("06 October 2022").locale("en")
+                            .transactionAmount(500.0));
+
+            loanTransactionHelper.makeCreditBalanceRefund(loanExternalIdStr, new PostLoansLoanIdTransactionsRequest()
+                    .dateFormat(DATE_PATTERN).transactionDate("06 October 2022").locale("en").transactionAmount(490.0));
+
+            loanTransactionHelper.reverseLoanTransaction(loanExternalIdStr, repaymentTransaction.getResourceId(),
+                    new PostLoansLoanIdTransactionsTransactionIdRequest().transactionDate("06 October 2022").locale("en")
+                            .dateFormat(DATE_PATTERN).transactionAmount(0.0));
+
+            loansLoanIdResponse = loanTransactionHelper.getLoanDetails(loanExternalIdStr);
+            lastPeriodIndex = loansLoanIdResponse.getRepaymentSchedule().getPeriods().size() - 1;
+            assertEquals(LocalDate.of(2022, 10, 10),
+                    loansLoanIdResponse.getRepaymentSchedule().getPeriods().get(lastPeriodIndex).getDueDate());
+        } finally {
+            GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.FALSE);
+        }
+    }
+
+    private GetLoanProductsProductIdResponse createLoanProduct(final LoanTransactionHelper loanTransactionHelper) {
+        final HashMap<String, Object> loanProductMap = new LoanProductTestBuilder().build(null, null);
+        final Integer loanProductId = loanTransactionHelper.getLoanProductId(Utils.convertToJson(loanProductMap));
+        return loanTransactionHelper.getLoanProduct(loanProductId);
+    }
+
+    private Integer createLoanAccount(final Integer clientID, final Long loanProductID, final String externalId) {
+
+        String loanApplicationJSON = new LoanApplicationTestBuilder().withPrincipal("1000").withLoanTermFrequency("1")
+                .withLoanTermFrequencyAsMonths().withNumberOfRepayments("1").withRepaymentEveryAfter("1")
+                .withRepaymentFrequencyTypeAsMonths().withInterestRatePerPeriod("0").withInterestTypeAsFlatBalance()
+                .withAmortizationTypeAsEqualPrincipalPayments().withInterestCalculationPeriodTypeSameAsRepaymentPeriod()
+                .withExpectedDisbursementDate("03 September 2022").withSubmittedOnDate("01 September 2022").withLoanType("individual")
+                .withExternalId(externalId).build(clientID.toString(), loanProductID.toString(), null);
+
+        final Integer loanId = loanTransactionHelper.getLoanId(loanApplicationJSON);
+        loanTransactionHelper.approveLoan("02 September 2022", "1000", loanId, null);
+        loanTransactionHelper.disburseLoanWithNetDisbursalAmount("03 September 2022", loanId, "1000");
+        return loanId;
+    }
+
+}