feat(chequebook): add RETURNED leaf status for dishonoured/bounced cheques

Adds a maker-checker-gated "return" command on cheque books that flags
presented-and-dishonoured leaves as terminal RETURNED (distinct from
STOP_PAYMENT/drawer-initiated and LOST/custody-failure), following the
same reason/actor/timestamp pattern already used for lost/cancelled/used
leaves on m_cheque_leaf.

Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>

fineract-core/src/main/java/org/apache/fineract/commands/service/CommandWrapperBuilder.java

@@ -207,6 +207,14 @@ public class CommandWrapperBuilder {
         return this;
     }
 
+    public CommandWrapperBuilder returnChequeBook(final Long chequeBookId) {
+        this.actionName = "RETURN";
+        this.entityName = "CHEQUEBOOK";
+        this.entityId = chequeBookId;
+        this.href = "/chequebooks/" + chequeBookId;
+        return this;
+    }
+
     public CommandWrapperBuilder approveChequeBookPendingRequest(final Long pendingRequestId) {
         this.actionName = "APPROVE";
         this.entityName = "CHEQUEBOOKPENDINGREQUEST";

fineract-provider/src/main/java/org/apache/fineract/portfolio/chequebook/api/ChequeBookApiResource.java

@@ -99,10 +99,10 @@ public class ChequeBookApiResource {
     @Consumes({ MediaType.APPLICATION_JSON })
     @Produces({ MediaType.APPLICATION_JSON })
     @Operation(summary = "Run a command on a cheque book", description = "Supported commands: issue, reject, withdraw, "
-            + "stoppayment, revokestoppayment, reportlost, cancelleaf, markused.")
+            + "stoppayment, revokestoppayment, reportlost, cancelleaf, markused, return.")
     public CommandProcessingResult handleCommand(@PathParam("id") @Parameter(description = "id") final Long id,
             @QueryParam("command") @Parameter(description = "issue | reject | withdraw | stoppayment | revokestoppayment | "
-                    + "reportlost | cancelleaf | markused") final String commandParam,
+                    + "reportlost | cancelleaf | markused | return") final String commandParam,
             @Parameter(hidden = true) final String apiRequestBodyAsJson) {
         final CommandWrapperBuilder builder = new CommandWrapperBuilder().withJson(apiRequestBodyAsJson);
         final CommandWrapper request;
@@ -122,6 +122,8 @@ public class ChequeBookApiResource {
             request = builder.cancelLeafChequeBook(id).build();
         } else if ("markused".equalsIgnoreCase(commandParam)) {
             request = builder.markUsedChequeBook(id).build();
+        } else if ("return".equalsIgnoreCase(commandParam)) {
+            request = builder.returnChequeBook(id).build();
         } else {
             throw new UnrecognizedQueryParamException("command", commandParam);
         }

fineract-provider/src/main/java/org/apache/fineract/portfolio/chequebook/data/ChequeLeafData.java

@@ -52,6 +52,9 @@ public class ChequeLeafData {
     private final String usedReason;
     private final Long usedBy;
     private final OffsetDateTime usedOn;
+    private final String returnReason;
+    private final Long returnedBy;
+    private final OffsetDateTime returnedOn;
     private final String accountType;
     private final Long accountId;
     private final String accountNo;

fineract-provider/src/main/java/org/apache/fineract/portfolio/chequebook/domain/ChequeLeaf.java

@@ -40,10 +40,11 @@ import org.apache.fineract.infrastructure.core.service.DateUtils;
  *
  * <p>
  * Legal transitions: (created)-&gt;ACTIVE (issued) or (created, no book)-&gt;LOST (unissued theft report);
- * ACTIVE&lt;-&gt;STOP_PAYMENT (the one round-trip); ACTIVE-&gt;CANCELLED / LOST / WITHDRAWN / USED (all terminal).
- * A recovered "lost" cheque conventionally stays hotlisted rather than silently reactivating, since the
- * customer has typically already been issued a replacement book. USED is manually recorded by a branch,
- * never automatic — see {@link #markUsed(String, Long)}.
+ * ACTIVE&lt;-&gt;STOP_PAYMENT (the one round-trip); ACTIVE-&gt;CANCELLED / LOST / WITHDRAWN / USED / RETURNED (all
+ * terminal). A recovered "lost" cheque conventionally stays hotlisted rather than silently reactivating,
+ * since the customer has typically already been issued a replacement book; a RETURNED (dishonoured) leaf
+ * likewise stays flagged rather than reverting to ACTIVE. USED is manually recorded by a branch, never
+ * automatic — see {@link #markUsed(String, Long)}.
  */
 @Entity
 @Table(name = "m_cheque_leaf")
@@ -105,6 +106,16 @@ public class ChequeLeaf extends AbstractPersistableCustom<Long> {
     @Column(name = "used_on")
     private OffsetDateTime usedOn;
 
+    /** Set when a presented leaf is dishonoured/bounced (insufficient funds, signature mismatch, etc.). */
+    @Column(name = "return_reason", length = 500)
+    private String returnReason;
+
+    @Column(name = "returned_by")
+    private Long returnedBy;
+
+    @Column(name = "returned_on")
+    private OffsetDateTime returnedOn;
+
     @Column(name = "created_on")
     private OffsetDateTime createdOn;
 
@@ -191,4 +202,13 @@ public class ChequeLeaf extends AbstractPersistableCustom<Long> {
         this.usedBy = markedBy;
         this.usedOn = DateUtils.getOffsetDateTimeOfTenant();
     }
+
+    /** The leaf was presented for payment and dishonoured/bounced. Terminal — no revoke, matching LOST/CANCELLED. */
+    public void returned(final String reason, final Long actorId) {
+        assertActive();
+        this.status = ChequeLeafStatus.RETURNED.name();
+        this.returnReason = reason;
+        this.returnedBy = actorId;
+        this.returnedOn = DateUtils.getOffsetDateTimeOfTenant();
+    }
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/chequebook/domain/ChequeLeafStatus.java

@@ -23,9 +23,11 @@ package org.apache.fineract.portfolio.chequebook.domain;
  * stolen); ACTIVE<->STOP_PAYMENT (the one round-trip, via stop-payment/revoke); ACTIVE->CANCELLED
  * (spoiled leaf voided); ACTIVE->LOST (reported lost/stolen post-issuance); ACTIVE->WITHDRAWN (account
  * closed); ACTIVE->USED (manually recorded once the branch sees the leaf clear on the bank/clearing
- * statement — this CBS has no clearing/presentment integration, so USED can never be set automatically).
- * LOST, CANCELLED, WITHDRAWN and USED are all terminal — a recovered "lost" cheque conventionally stays
- * hotlisted since the customer has typically already been issued a replacement book.
+ * statement — this CBS has no clearing/presentment integration, so USED can never be set automatically);
+ * ACTIVE->RETURNED (presented and dishonoured/bounced — insufficient funds, signature mismatch, etc.).
+ * LOST, CANCELLED, WITHDRAWN, USED and RETURNED are all terminal — a recovered "lost" cheque conventionally
+ * stays hotlisted since the customer has typically already been issued a replacement book, and a returned
+ * leaf stays flagged rather than silently reverting to ACTIVE.
  */
 public enum ChequeLeafStatus {
 
@@ -34,5 +36,6 @@ public enum ChequeLeafStatus {
     CANCELLED, //
     LOST, //
     WITHDRAWN, //
-    USED; //
+    USED, //
+    RETURNED; //
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/chequebook/handler/ReturnChequeBookCommandHandler.java

@@ -0,0 +1,42 @@
+/**
+ * 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.portfolio.chequebook.handler;
+
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.commands.annotation.CommandType;
+import org.apache.fineract.commands.handler.NewCommandSourceHandler;
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+import org.apache.fineract.portfolio.chequebook.service.ChequeBookWritePlatformService;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+@Service
+@CommandType(entity = "CHEQUEBOOK", action = "RETURN")
+@RequiredArgsConstructor
+public class ReturnChequeBookCommandHandler implements NewCommandSourceHandler {
+
+    private final ChequeBookWritePlatformService writePlatformService;
+
+    @Transactional
+    @Override
+    public CommandProcessingResult processCommand(final JsonCommand command) {
+        return this.writePlatformService.returnChequeBook(command.entityId(), command);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/chequebook/service/ChequeBookReadPlatformServiceImpl.java

@@ -296,6 +296,7 @@ public class ChequeBookReadPlatformServiceImpl implements ChequeBookReadPlatform
                 .lostReason(leaf.getLostReason()).lostReportedBy(leaf.getLostReportedBy()).lostReportedOn(leaf.getLostReportedOn())
                 .cancelledReason(leaf.getCancelledReason()).cancelledBy(leaf.getCancelledBy()).cancelledOn(leaf.getCancelledOn())
                 .usedReason(leaf.getUsedReason()).usedBy(leaf.getUsedBy()).usedOn(leaf.getUsedOn())
+                .returnReason(leaf.getReturnReason()).returnedBy(leaf.getReturnedBy()).returnedOn(leaf.getReturnedOn())
                 .accountType(leaf.getAccountType()).accountId(leaf.getAccountId()).accountNo(display.accountNo)
                 .clientName(display.clientName).officeName(leaf.getOfficeName()).build();
     }
@@ -448,6 +449,7 @@ public class ChequeBookReadPlatformServiceImpl implements ChequeBookReadPlatform
                     + "f.lost_reported_on as lost_reported_on, f.cancelled_reason as cancelled_reason, "
                     + "f.cancelled_by as cancelled_by, f.cancelled_on as cancelled_on, "
                     + "f.used_reason as used_reason, f.used_by as used_by, f.used_on as used_on, "
+                    + "f.return_reason as return_reason, f.returned_by as returned_by, f.returned_on as returned_on, "
                     + "b.account_type as account_type, b.account_id as account_id, bo.name as book_office_name, "
                     + "lo.name as lot_office_name "
                     + "from m_cheque_leaf f left join m_cheque_book b on b.id = f.cheque_book_id left join m_office bo on bo.id = b.office_id "
@@ -469,6 +471,8 @@ public class ChequeBookReadPlatformServiceImpl implements ChequeBookReadPlatform
                     .cancelledReason(rs.getString("cancelled_reason")).cancelledBy((Long) rs.getObject("cancelled_by"))
                     .cancelledOn(rs.getObject("cancelled_on", OffsetDateTime.class)).usedReason(rs.getString("used_reason"))
                     .usedBy((Long) rs.getObject("used_by")).usedOn(rs.getObject("used_on", OffsetDateTime.class))
+                    .returnReason(rs.getString("return_reason")).returnedBy((Long) rs.getObject("returned_by"))
+                    .returnedOn(rs.getObject("returned_on", OffsetDateTime.class))
                     .accountType(rs.getString("account_type")).accountId((Long) rs.getObject("account_id")).accountNo(null)
                     .clientName(null).officeName(officeName).build();
         }

fineract-provider/src/main/java/org/apache/fineract/portfolio/chequebook/service/ChequeBookWritePlatformService.java

@@ -61,6 +61,9 @@ public interface ChequeBookWritePlatformService {
 
     CommandProcessingResult cancelLeaf(Long chequeBookId, JsonCommand command);
 
+    /** Flags leaves in range as RETURNED — presented and dishonoured/bounced. Terminal, like reportlost. */
+    CommandProcessingResult returnChequeBook(Long chequeBookId, JsonCommand command);
+
     /**
      * Manually records that leaves cleared, once a branch sees them on the bank/clearing statement — never
      * automatic, since this CBS has no clearing/presentment integration to detect it on its own.

fineract-provider/src/main/java/org/apache/fineract/portfolio/chequebook/service/ChequeBookWritePlatformServiceImpl.java

@@ -541,6 +541,21 @@ public class ChequeBookWritePlatformServiceImpl implements ChequeBookWritePlatfo
         return new CommandProcessingResultBuilder().withCommandId(command.commandId()).withEntityId(chequeBookId).build();
     }
 
+    @Transactional
+    @Override
+    public CommandProcessingResult returnChequeBook(final Long chequeBookId, final JsonCommand command) {
+        this.validator.validateForBookLeafAction(command.json(), true);
+        final ChequeBook book = this.chequeBookRepositoryWrapper.findOneWithNotFoundDetection(chequeBookId);
+        final String reason = command.stringValueOfParameterNamed(ChequeBookApiJsonInputParams.REASON.getValue());
+        final Long actorId = this.context.authenticatedUser().getId();
+        final List<ChequeLeaf> leaves = resolveLeavesInRange(book, command);
+        for (final ChequeLeaf leaf : leaves) {
+            leaf.returned(reason, actorId);
+        }
+        this.chequeLeafRepository.saveAll(leaves);
+        return new CommandProcessingResultBuilder().withCommandId(command.commandId()).withEntityId(chequeBookId).build();
+    }
+
     @Transactional
     @Override
     public CommandProcessingResult markLeafUsed(final Long chequeBookId, final JsonCommand command) {

fineract-provider/src/main/resources/db/changelog/tenant/changelog-tenant.xml

@@ -408,4 +408,5 @@
     <include file="parts/0385_chequebook_pending_requests.xml" relativeToChangelogFile="true"/>
     <include file="parts/0386_enable_global_maker_checker.xml" relativeToChangelogFile="true"/>
     <include file="parts/0387_chequeleaf_serial_unique_per_lot.xml" relativeToChangelogFile="true"/>
+    <include file="parts/0388_chequeleaf_returned_status.xml" relativeToChangelogFile="true"/>
 </databaseChangeLog>

fineract-provider/src/main/resources/db/changelog/tenant/parts/0388_chequeleaf_returned_status.xml

@@ -0,0 +1,33 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<databaseChangeLog xmlns="http://www.liquibase.org/xml/ns/dbchangelog"
+                   xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
+                   xsi:schemaLocation="http://www.liquibase.org/xml/ns/dbchangelog http://www.liquibase.org/xml/ns/dbchangelog/dbchangelog-4.1.xsd">
+
+    <!--
+        A RETURNED status for a cheque leaf — the leaf was presented for payment and dishonoured/bounced
+        (insufficient funds, signature mismatch, etc.), as distinct from STOP_PAYMENT (drawer-initiated) or
+        LOST (custody failure). Follows the same free-text reason pattern already used for lost_reason/
+        cancelled_reason/used_reason on this table, rather than introducing a one-off code-value list.
+        Terminal like LOST/CANCELLED/USED — no revoke, matching this table's existing conventions.
+    -->
+
+    <changeSet id="0388-cheque-leaf-returned-columns" author="CBS">
+        <preConditions onFail="MARK_RAN">
+            <not><columnExists tableName="m_cheque_leaf" columnName="return_reason"/></not>
+        </preConditions>
+        <addColumn tableName="m_cheque_leaf">
+            <column name="return_reason" type="VARCHAR(500)"/>
+            <column name="returned_by" type="BIGINT"/>
+            <column name="returned_on" type="TIMESTAMP WITH TIME ZONE"/>
+        </addColumn>
+    </changeSet>
+
+    <changeSet id="0388-permission" author="CBS" runOnChange="false">
+        <sql>
+            INSERT INTO m_permission (grouping, code, entity_name, action_name, can_maker_checker)
+            SELECT 'portfolio', 'RETURN_CHEQUEBOOK', 'CHEQUEBOOK', 'RETURN', true
+            WHERE NOT EXISTS (SELECT 1 FROM m_permission WHERE code = 'RETURN_CHEQUEBOOK');
+        </sql>
+    </changeSet>
+
+</databaseChangeLog>