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FINERACT-2042 Handling overpayment of chargeback with credit allocations

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This commit is contained in:
Peter Bagrij
2024-02-28 10:09:11 +01:00
committed by Peter Bagrij
parent 5be1001fd5
commit 4bc6755514
17 changed files with 1337 additions and 415 deletions
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integration-tests/src/test/java/org/apache/fineract/integrationtests/BaseLoanIntegrationTest.java
+64 -4
View File
@@ -476,6 +476,46 @@ public abstract class BaseLoanIntegrationTest {
totalOutstanding));
}
Double outstandingPrincipalExpected = installments[i].outstandingAmounts != null
? installments[i].outstandingAmounts.principalOutstanding
: null;
Double outstandingPrincipal = period.getPrincipalOutstanding();
if (outstandingPrincipalExpected != null) {
Assertions.assertEquals(outstandingPrincipalExpected, outstandingPrincipal,
"%d. installment's outstanding principal is different, expected: %.2f, actual: %.2f".formatted(i,
outstandingPrincipalExpected, outstandingPrincipal));
}
Double outstandingFeeExpected = installments[i].outstandingAmounts != null
? installments[i].outstandingAmounts.feeOutstanding
: null;
Double outstandingFee = period.getFeeChargesOutstanding();
if (outstandingFeeExpected != null) {
Assertions.assertEquals(outstandingFeeExpected, outstandingFee,
"%d. installment's outstanding fee is different, expected: %.2f, actual: %.2f".formatted(i,
outstandingFeeExpected, outstandingFee));
}
Double outstandingPenaltyExpected = installments[i].outstandingAmounts != null
? installments[i].outstandingAmounts.penaltyOutstanding
: null;
Double outstandingPenalty = period.getPenaltyChargesOutstanding();
if (outstandingPenaltyExpected != null) {
Assertions.assertEquals(outstandingPenaltyExpected, outstandingPenalty,
"%d. installment's outstanding penalty is different, expected: %.2f, actual: %.2f".formatted(i,
outstandingPenaltyExpected, outstandingPenalty));
}
Double outstandingTotalExpected = installments[i].outstandingAmounts != null
? installments[i].outstandingAmounts.totalOutstanding
: null;
Double outstandingTotal = period.getTotalOutstandingForPeriod();
if (outstandingTotalExpected != null) {
Assertions.assertEquals(outstandingTotalExpected, outstandingTotal,
"%d. installment's total outstanding is different, expected: %.2f, actual: %.2f".formatted(i,
outstandingTotalExpected, outstandingTotal));
}
}
Assertions.assertEquals(installments[i].completed, period.getComplete());
Assertions.assertEquals(LocalDate.parse(installments[i].dueDate, dateTimeFormatter), period.getDueDate());
@@ -603,22 +643,31 @@ public abstract class BaseLoanIntegrationTest {
}
protected Installment installment(double principalAmount, Boolean completed, String dueDate) {
return new Installment(principalAmount, null, null, null, null, completed, dueDate);
return new Installment(principalAmount, null, null, null, null, completed, dueDate, null);
}
protected Installment installment(double principalAmount, double interestAmount, double totalOutstandingAmount, Boolean completed,
String dueDate) {
return new Installment(principalAmount, interestAmount, null, null, totalOutstandingAmount, completed, dueDate);
return new Installment(principalAmount, interestAmount, null, null, totalOutstandingAmount, completed, dueDate, null);
}
protected Installment installment(double principalAmount, double interestAmount, double feeAmount, double totalOutstandingAmount,
Boolean completed, String dueDate) {
return new Installment(principalAmount, interestAmount, feeAmount, null, totalOutstandingAmount, completed, dueDate);
return new Installment(principalAmount, interestAmount, feeAmount, null, totalOutstandingAmount, completed, dueDate, null);
}
protected Installment installment(double principalAmount, double interestAmount, double feeAmount, double penaltyAmount,
double totalOutstandingAmount, Boolean completed, String dueDate) {
return new Installment(principalAmount, interestAmount, feeAmount, penaltyAmount, totalOutstandingAmount, completed, dueDate);
return new Installment(principalAmount, interestAmount, feeAmount, penaltyAmount, totalOutstandingAmount, completed, dueDate, null);
}
protected Installment installment(double principalAmount, double interestAmount, double feeAmount, double penaltyAmount,
OutstandingAmounts outstandingAmounts, Boolean completed, String dueDate) {
return new Installment(principalAmount, interestAmount, feeAmount, penaltyAmount, null, completed, dueDate, outstandingAmounts);
}
protected OutstandingAmounts outstanding(double principal, double fee, double penalty, double total) {
return new OutstandingAmounts(principal, fee, penalty, total);
}
protected BatchRequestBuilder batchRequest() {
@@ -735,6 +784,17 @@ public abstract class BaseLoanIntegrationTest {
Double totalOutstandingAmount;
Boolean completed;
String dueDate;
OutstandingAmounts outstandingAmounts;
}
@AllArgsConstructor
@ToString
public static class OutstandingAmounts {
Double principalOutstanding;
Double feeOutstanding;
Double penaltyOutstanding;
Double totalOutstanding;
}
public static class AmortizationType {
integration-tests/src/test/java/org/apache/fineract/integrationtests/LoanChargebackWithCreditAllocationsIntegrationTests.java
+679 -38
View File
@@ -26,6 +26,8 @@ import lombok.extern.slf4j.Slf4j;
import org.apache.fineract.client.models.AdvancedPaymentData;
import org.apache.fineract.client.models.CreditAllocationData;
import org.apache.fineract.client.models.CreditAllocationOrder;
import org.apache.fineract.client.models.GetLoansLoanIdResponse;
import org.apache.fineract.client.models.GetLoansLoanIdSummary;
import org.apache.fineract.client.models.PaymentAllocationOrder;
import org.apache.fineract.client.models.PostLoanProductsRequest;
import org.apache.fineract.client.models.PostLoanProductsResponse;
@@ -38,6 +40,7 @@ import org.apache.fineract.portfolio.loanaccount.loanschedule.domain.LoanSchedul
import org.apache.fineract.portfolio.loanaccount.loanschedule.domain.LoanScheduleType;
import org.apache.fineract.portfolio.loanproduct.domain.PaymentAllocationType;
import org.jetbrains.annotations.Nullable;
import org.junit.jupiter.api.Assertions;
import org.junit.jupiter.api.Test;
import org.junit.jupiter.api.extension.ExtendWith;
@@ -46,13 +49,15 @@ import org.junit.jupiter.api.extension.ExtendWith;
public class LoanChargebackWithCreditAllocationsIntegrationTests extends BaseLoanIntegrationTest {
@Test
public void createLoanWithCreditAllocationAndChargebackPenaltyFeeInterestAndPrincipal() {
public void simpleChargebackWithCreditAllocationPenaltyFeeInterestAndPrincipal() {
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
// Create Loan Product
Long loanProductId = createLoanProduct(chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL"));
Long loanProductId = createLoanProduct(//
createDefaultPaymentAllocation(), //
chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
);
// Apply and Approve Loan
Long loanId = applyAndApproveLoan(clientId, loanProductId);
@@ -92,15 +97,13 @@ public class LoanChargebackWithCreditAllocationsIntegrationTests extends BaseLoa
verifyTransactions(loanId, //
transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(383.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "20 January 2023", 1037.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0) //
transaction(100.0, "Chargeback", "20 January 2023", 967.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0) //
);
// Verify Repayment Schedule
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(343.0, 0, 50, 20, 30.0, false, "01 February 2023"), // TODO: we still need to add the
// fee and the penalty to the
// outstanding
installment(343.0, 0, 100, 40, 100.0, false, "01 February 2023"),
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
@@ -109,13 +112,145 @@ public class LoanChargebackWithCreditAllocationsIntegrationTests extends BaseLoa
}
@Test
public void createLoanWithCreditAllocationAndChargebackPenaltyFeeInterestAndPrincipalOnNPlusOneInstallment() {
public void simpleChargebackWithCreditAllocationPenaltyFeeInterestAndPrincipalOnTheLastDayOfTheInstallment() {
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
// Create Loan Product
Long loanProductId = createLoanProduct(chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL"));
Long loanProductId = createLoanProduct(//
createDefaultPaymentAllocation(), //
chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
);
// Apply and Approve Loan
Long loanId = applyAndApproveLoan(clientId, loanProductId);
// Disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023");
// Add Charges
Long feeId = addCharge(loanId, false, 50, "15 January 2023");
Long penaltyId = addCharge(loanId, true, 20, "20 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
// Update Business Date
updateBusinessDate("20 January 2023");
// Add Repayment
Long repaymentTransaction = addRepaymentForLoan(loanId, 383.0, "20 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
updateBusinessDate("01 February 2023");
// Add Chargeback
addChargebackForLoan(loanId, repaymentTransaction, 100.0); // 20 penalty + 50 fee + 0 interest + 30
// principal
verifyTransactions(loanId, //
transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(383.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "01 February 2023", 967.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0) //
);
// Verify Repayment Schedule
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 0, true, "01 February 2023"), //
installment(343.0, 0, 50, 20, 413.0, false, "01 March 2023"),
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
});
}
@Test
public void simpleChargebackWithCreditAllocationPenaltyFeeInterestAndPrincipalOnTheLastDayOfTheLoan() {
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
// Create Loan Product
Long loanProductId = createLoanProduct(//
createDefaultPaymentAllocation(), //
chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
);
// Apply and Approve Loan
Long loanId = applyAndApproveLoan(clientId, loanProductId);
// Disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023");
// Add Charges
Long feeId = addCharge(loanId, false, 50, "15 January 2023");
Long penaltyId = addCharge(loanId, true, 20, "20 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
// Update Business Date
updateBusinessDate("20 January 2023");
// Add Repayment
Long repaymentTransaction = addRepaymentForLoan(loanId, 383.0, "20 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
updateBusinessDate("01 May 2023");
// Add Chargeback
addChargebackForLoan(loanId, repaymentTransaction, 100.0); // 20 penalty + 50 fee + 0 interest + 30
// principal
verifyTransactions(loanId, //
transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(383.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "01 May 2023", 967.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0) //
);
// Verify Repayment Schedule
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"),
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(341.0, 0, 50, 20, 411.0, false, "01 May 2023") //
);
});
}
@Test
public void chargebackWithCreditAllocationPenaltyFeeInterestAndPrincipalOnNPlusOneInstallment() {
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
// Create Loan Product
Long loanProductId = createLoanProduct(//
createDefaultPaymentAllocation(), //
chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
);
// Apply and Approve Loan
Long loanId = applyAndApproveLoan(clientId, loanProductId);
@@ -169,7 +304,7 @@ public class LoanChargebackWithCreditAllocationsIntegrationTests extends BaseLoa
transaction(313.0, "Repayment", "20 March 2023", 311.0, 313.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(381.0, "Repayment", "20 April 2023", 0.0, 311.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(70.0, "Accrual", "20 April 2023", 0.0, 0.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "02 May 2023", 100.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0) //
transaction(100.0, "Chargeback", "02 May 2023", 30.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0) //
);
verifyRepaymentSchedule(loanId, //
@@ -178,20 +313,21 @@ public class LoanChargebackWithCreditAllocationsIntegrationTests extends BaseLoa
installment(313.0, 0, 0, 0, 0.0, true, "01 March 2023"), //
installment(313.0, 0, 0, 0, 0.0, true, "01 April 2023"), //
installment(311.0, 0, 50, 20, 0.0, true, "01 May 2023"), //
installment(30.0, 0, 0, 0, 30.0, false, "02 May 2023") // TODO: fee and penalty must be added here
// after chargeback
installment(30.0, 0, 50, 20, 100.0, false, "02 May 2023") //
);
});
}
@Test
public void createLoanWithCreditAllocationAndChargebackReverseReplayWithBackdatedPayment() {
public void chargebackWithCreditAllocationAndReverseReplayWithBackdatedPayment() {
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
// Create Loan Product
Long loanProductId = createLoanProduct(chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL"));
Long loanProductId = createLoanProduct(//
createDefaultPaymentAllocation(), //
chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
);
// Apply and Approve Loan
Long loanId = applyAndApproveLoan(clientId, loanProductId);
@@ -232,15 +368,13 @@ public class LoanChargebackWithCreditAllocationsIntegrationTests extends BaseLoa
verifyTransactions(loanId, //
transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(383.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "21 January 2023", 1037.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0) //
transaction(100.0, "Chargeback", "21 January 2023", 967.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0) //
);
// Verify Repayment Schedule
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(343.0, 0, 50, 20, 30.0, false, "01 February 2023"), // TODO: we still need to add the
// fee and the penalty to the
// outstanding
installment(343.0, 0, 100, 40, 100.0, false, "01 February 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
@@ -260,13 +394,15 @@ public class LoanChargebackWithCreditAllocationsIntegrationTests extends BaseLoa
}
@Test
public void createLoanWithCreditAllocationAndOnlyTheChargebackReverseReplayedWithBackdatedPayment() {
public void chargebackWithCreditAllocationReverseReplayedWithBackdatedPayment() {
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
// Create Loan Product
Long loanProductId = createLoanProduct(chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL"));
Long loanProductId = createLoanProduct(//
createDefaultPaymentAllocation(), //
chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
);
// Apply and Approve Loan
Long loanId = applyAndApproveLoan(clientId, loanProductId);
@@ -307,15 +443,13 @@ public class LoanChargebackWithCreditAllocationsIntegrationTests extends BaseLoa
verifyTransactions(loanId, //
transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(383.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "22 January 2023", 1037.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0) //
transaction(100.0, "Chargeback", "22 January 2023", 967.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0) //
);
// Verify Repayment Schedule
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(343.0, 0, 50, 20, 30.0, false, "01 February 2023"), // TODO: we still need to add the
// fee and the penalty to the
// outstanding
installment(343.0, 0, 100, 40, 100.0, false, "01 February 2023"),
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
@@ -330,18 +464,24 @@ public class LoanChargebackWithCreditAllocationsIntegrationTests extends BaseLoa
transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(383.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(200.0, "Repayment", "21 January 2023", 737.0, 200.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "22 January 2023", 837.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0) //
transaction(100.0, "Chargeback", "22 January 2023", 767.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0) //
);
verifyLoanSummaryAmounts(loanId, 30.0, 50.0, 20.0, 837.0);
});
}
@Test
public void createLoanWithCreditAllocationAndChargebackPrincipalInterestFeePenalty() {
public void chargebackWithCreditAllocationPrincipalInterestFeePenalty() {
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
// Create Loan Product
Long loanProductId = createLoanProduct(chargebackAllocation("PRINCIPAL", "INTEREST", "FEE", "PENALTY"));
Long loanProductId = createLoanProduct(//
createDefaultPaymentAllocation(), //
chargebackAllocation("PRINCIPAL", "INTEREST", "FEE", "PENALTY")//
);
// Apply and Approve Loan
Long loanId = applyAndApproveLoan(clientId, loanProductId);
@@ -387,16 +527,501 @@ public class LoanChargebackWithCreditAllocationsIntegrationTests extends BaseLoa
// Verify Repayment Schedule
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(413.0, 0, 50, 20, 100.0, false, "01 February 2023"), // TODO: we still need to add the
// fee and the penalty to the
// outstanding
installment(413.0, 0, 50, 20, 100.0, false, "01 February 2023"),
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
verifyLoanSummaryAmounts(loanId, 100.0, 0.0, 0.0, 1037);
});
}
@Test
public void chargebackWithCreditAllocationPrincipalInterestFeePenaltyWhenOverpaid() {
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
// Create Loan Product
Long loanProductId = createLoanProduct(//
createDefaultPaymentAllocation(), //
chargebackAllocation("PRINCIPAL", "INTEREST", "FEE", "PENALTY")//
);
// Apply and Approve Loan
Long loanId = applyAndApproveLoan(clientId, loanProductId);
// Disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023");
// Add Charges
Long feeId = addCharge(loanId, false, 50, "15 January 2023");
Long penaltyId = addCharge(loanId, true, 20, "20 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
// Update Business Date
updateBusinessDate("20 January 2023");
// Add Repayment
Long repaymentTransaction = addRepaymentForLoan(loanId, 1370.0, "20 January 2023"); // 1250 + 70 = 1320; 50
// overpayment
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
installment(313.0, 0, 0, 0, 0.0, true, "01 March 2023"), //
installment(313.0, 0, 0, 0, 0.0, true, "01 April 2023"), //
installment(311.0, 0, 0, 0, 0.0, true, "01 May 2023") //
);
updateBusinessDate("02 May 2023");
// Add Chargeback
addChargebackForLoan(loanId, repaymentTransaction, 100.0); // 100 principal, 0 interest, 0 fee 0 penalty
verifyTransactions(loanId, //
transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(1370.0, "Repayment", "20 January 2023", 0, 1250.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(70.0, "Accrual", "20 January 2023", 0.0, 0.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "02 May 2023", 50.0, 100.0, 0.0, 0.0, 0.0, 0.0, 50.0) //
);
// Verify Repayment Schedule
// DEFAULT payment allocation is ..., DUE_PENALTY, DUE_FEE, DUE_PRINCIPAL, ...
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 0, true, "01 February 2023"), //
installment(313.0, 0, 0, 0, 0, true, "01 March 2023"), //
installment(313.0, 0, 0, 0, 0, true, "01 April 2023"), //
installment(311.0, 0, 0, 0, 0, true, "01 May 2023"), //
installment(100.0, 0, 0, 0, outstanding(50.0, 0d, 0d, 50.0), false, "02 May 2023") //
);
});
}
@Test
public void chargebackWithCreditAllocationFeePenaltyPrincipalInterestWhenOverpaid() {
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
// Create Loan Product
Long loanProductId = createLoanProduct(//
createDefaultPaymentAllocation(), //
chargebackAllocation("FEE", "PENALTY", "PRINCIPAL", "INTEREST")//
);
// Apply and Approve Loan
Long loanId = applyAndApproveLoan(clientId, loanProductId);
// Disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023");
// Add Charges
Long feeId = addCharge(loanId, false, 50, "15 January 2023");
Long penaltyId = addCharge(loanId, true, 20, "20 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
// Update Business Date
updateBusinessDate("20 January 2023");
// Add Repayment
Long repaymentTransaction = addRepaymentForLoan(loanId, 1370.0, "20 January 2023"); // 1250 + 70 = 1320; 50
// overpayment
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
installment(313.0, 0, 0, 0, 0.0, true, "01 March 2023"), //
installment(313.0, 0, 0, 0, 0.0, true, "01 April 2023"), //
installment(311.0, 0, 0, 0, 0.0, true, "01 May 2023") //
);
// Add Chargeback
addChargebackForLoan(loanId, repaymentTransaction, 100.0); // 100 principal, 0 interest, 0 fee 0 penalty
verifyTransactions(loanId, //
transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(1370.0, "Repayment", "20 January 2023", 0, 1250.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(70.0, "Accrual", "20 January 2023", 0.0, 0.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "20 January 2023", 30.0, 30.0, 0.0, 50.0, 20.0, 0.0, 50.0) //
);
// Verify Repayment Schedule,
// DEFAULT payment allocation is ..., DUE_PENALTY, DUE_FEE, DUE_PRINCIPAL, ...
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(343.0, 0, 100, 40, outstanding(30.0, 20.0, 0.0, 50.0), false, "01 February 2023"), //
installment(313.0, 0, 0, 0, 0.0, true, "01 March 2023"), //
installment(313.0, 0, 0, 0, 0.0, true, "01 April 2023"), //
installment(311.0, 0, 0, 0, 0.0, true, "01 May 2023") //
);
verifyLoanSummaryAmounts(loanId, 30.0, 50.0, 20.0, 50.0);
});
}
@Test
public void chargebackWithCreditAllocationFeePenaltyPrincipalInterestWhenOverpaidDefaultPaymentPrincipalFirst() {
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
// Create Loan Product
Long loanProductId = createLoanProduct(//
createDefaultPaymentAllocationPrincipalFirst(), //
chargebackAllocation("FEE", "PENALTY", "PRINCIPAL", "INTEREST")//
);
// Apply and Approve Loan
Long loanId = applyAndApproveLoan(clientId, loanProductId);
// Disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023");
// Add Charges
Long feeId = addCharge(loanId, false, 50, "15 January 2023");
Long penaltyId = addCharge(loanId, true, 20, "20 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
// Update Business Date
updateBusinessDate("20 January 2023");
// Add Repayment
Long repaymentTransaction = addRepaymentForLoan(loanId, 1370.0, "20 January 2023"); // 1250 + 70 = 1320; 50
// overpayment
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
installment(313.0, 0, 0, 0, 0.0, true, "01 March 2023"), //
installment(313.0, 0, 0, 0, 0.0, true, "01 April 2023"), //
installment(311.0, 0, 0, 0, 0.0, true, "01 May 2023") //
);
// Add Chargeback
addChargebackForLoan(loanId, repaymentTransaction, 100.0); // 100 principal, 0 interest, 0 fee 0 penalty
verifyTransactions(loanId, //
transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(1370.0, "Repayment", "20 January 2023", 0, 1250.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(70.0, "Accrual", "20 January 2023", 0.0, 0.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "20 January 2023", 0.0, 30.0, 0.0, 50.0, 20.0, 0.0, 50.0) //
);
// Verify Repayment Schedule,
// DEFAULT payment allocation is ..., DUE_PRINCIPAL, DUE_FEE, DUE_PENALTY ...
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(343.0, 0, 100, 40, outstanding(0.0, 30.0, 20.0, 50.0), false, "01 February 2023"), //
installment(313.0, 0, 0, 0, 0.0, true, "01 March 2023"), //
installment(313.0, 0, 0, 0, 0.0, true, "01 April 2023"), //
installment(311.0, 0, 0, 0, 0.0, true, "01 May 2023") //
);
verifyLoanSummaryAmounts(loanId, 30.0, 50.0, 20.0, 50.0);
});
}
@Test
public void doubleChargebackWithCreditAllocationPenaltyFeeInterestAndPrincipal() {
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
// Create Loan Product
Long loanProductId = createLoanProduct(//
createDefaultPaymentAllocation(), //
chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
);
// Apply and Approve Loan
Long loanId = applyAndApproveLoan(clientId, loanProductId);
// Disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023");
// Add Charges
Long feeId = addCharge(loanId, false, 50, "15 January 2023");
Long penaltyId = addCharge(loanId, true, 20, "20 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
// Update Business Date
updateBusinessDate("20 January 2023");
// Add Repayment
Long repaymentTransaction = addRepaymentForLoan(loanId, 383.0, "20 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
// Add Chargeback
addChargebackForLoan(loanId, repaymentTransaction, 100.0); // 20 penalty + 50 fee + 0 interest + 30
// principal
verifyTransactions(loanId, //
transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(383.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "20 January 2023", 967.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0) //
);
// Verify Repayment Schedule
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(343.0, 0, 100, 40, 100.0, false, "01 February 2023"),
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
updateBusinessDate("21 January 2023");
addChargebackForLoan(loanId, repaymentTransaction, 100.0); // 100 to principal
verifyTransactions(loanId, //
transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(383.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "20 January 2023", 967, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "21 January 2023", 1067.0, 100.0, 0.0, 0.0, 0.0, 0.0, 0.0) //
);
// Verify Repayment Schedule
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(443.0, 0, 100, 40, 200.0, false, "01 February 2023"),
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
});
}
@Test
public void doubleChargebackReverseReplayedBothFeeAndPenaltyPayedWithCreditAllocationPenaltyFeeInterestAndPrincipal() {
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
// Create Loan Product
Long loanProductId = createLoanProduct(//
createDefaultPaymentAllocation(), //
chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
);
// Apply and Approve Loan
Long loanId = applyAndApproveLoan(clientId, loanProductId);
// Disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023");
// Add Charges
Long feeId = addCharge(loanId, false, 50, "15 January 2023");
Long penaltyId = addCharge(loanId, true, 20, "20 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
// Update Business Date
updateBusinessDate("20 January 2023");
// Add Repayment
Long repaymentTransaction = addRepaymentForLoan(loanId, 383.0, "20 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
// Add Chargeback
addChargebackForLoan(loanId, repaymentTransaction, 100.0); // 20 penalty + 50 fee + 0 interest + 30
// principal
verifyTransactions(loanId, //
transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(383.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "20 January 2023", 967.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0) //
);
// Verify Repayment Schedule
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(343.0, 0, 100, 40, 100.0, false, "01 February 2023"),
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
updateBusinessDate("21 January 2023");
addChargebackForLoan(loanId, repaymentTransaction, 100.0); // 100 to principal
verifyTransactions(loanId, //
transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(383.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "20 January 2023", 967.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "21 January 2023", 1067.0, 100.0, 0.0, 0.0, 0.0, 0.0, 0.0) //
);
// Verify Repayment Schedule
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(443.0, 0, 100, 40, 200.0, false, "01 February 2023"),
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
// Let's add repayment to trigger reverse replay for both chargebacks
addRepaymentForLoan(loanId, 200.0, "19 January 2023");
verifyTransactions(loanId, //
transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(200.0, "Repayment", "19 January 2023", 1120.0, 130.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(383.0, "Repayment", "20 January 2023", 737.0, 383.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "20 January 2023", 837.0, 100.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "21 January 2023", 937.0, 100.0, 0.0, 0.0, 0.0, 0.0, 0.0) //
);
});
}
@Test
public void doubleChargebackReverseReplayedOnlyPenaltyPayedWithCreditAllocationPenaltyFeeInterestAndPrincipal() {
runAt("01 January 2023", () -> {
// Create Client
Long clientId = clientHelper.createClient(ClientHelper.defaultClientCreationRequest()).getClientId();
// Create Loan Product
Long loanProductId = createLoanProduct(//
createDefaultPaymentAllocation(), //
chargebackAllocation("PENALTY", "FEE", "INTEREST", "PRINCIPAL")//
);
// Apply and Approve Loan
Long loanId = applyAndApproveLoan(clientId, loanProductId);
// Disburse Loan
disburseLoan(loanId, BigDecimal.valueOf(1250.0), "01 January 2023");
// Add Charges
Long feeId = addCharge(loanId, false, 50, "15 January 2023");
Long penaltyId = addCharge(loanId, true, 20, "15 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 383.0, false, "01 February 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
// Update Business Date
updateBusinessDate("20 January 2023");
// Add Repayment
Long repaymentTransaction = addRepaymentForLoan(loanId, 383.0, "20 January 2023");
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(313.0, 0, 50, 20, 0.0, true, "01 February 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
// Add Chargeback
addChargebackForLoan(loanId, repaymentTransaction, 100.0); // 20 penalty + 50 fee + 0 interest + 30
// principal
verifyTransactions(loanId, //
transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(383.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "20 January 2023", 967.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0) //
);
// Verify Repayment Schedule
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(343.0, 0, 100, 40, 100.0, false, "01 February 2023"),
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
updateBusinessDate("21 January 2023");
addChargebackForLoan(loanId, repaymentTransaction, 100.0); // 100 to principal
verifyTransactions(loanId, //
transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(383.0, "Repayment", "20 January 2023", 937.0, 313.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "20 January 2023", 967.0, 30.0, 0.0, 50.0, 20.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "21 January 2023", 1067.0, 100.0, 0.0, 0.0, 0.0, 0.0, 0.0) //
);
// Verify Repayment Schedule
verifyRepaymentSchedule(loanId, //
installment(0, null, "01 January 2023"), //
installment(443.0, 0, 100, 40, 200.0, false, "01 February 2023"),
installment(313.0, 0, 0, 0, 313.0, false, "01 March 2023"), //
installment(313.0, 0, 0, 0, 313.0, false, "01 April 2023"), //
installment(311.0, 0, 0, 0, 311.0, false, "01 May 2023") //
);
// Let's add repayment to trigger reverse replay for both chargebacks
addRepaymentForLoan(loanId, 20.0, "19 January 2023");
verifyTransactions(loanId, //
transaction(1250.0, "Disbursement", "01 January 2023", 1250.0, 0.0, 0.0, 0.0, 0.0, 0.0, 0.0), //
transaction(20.0, "Repayment", "19 January 2023", 1250.0, 0.0, 0.0, 0.0, 20.0, 0.0, 0.0), //
transaction(383.0, "Repayment", "20 January 2023", 917.0, 333.0, 0.0, 50.0, 0.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "20 January 2023", 967.0, 50.0, 0.0, 50.0, 0.0, 0.0, 0.0), //
transaction(100.0, "Chargeback", "21 January 2023", 1067.0, 100.0, 0.0, 0.0, 0.0, 0.0, 0.0) //
);
});
}
private void verifyLoanSummaryAmounts(Long loanId, double creditedPrincipal, double creditedFee, double creditedPenalty,
double totalOutstanding) {
GetLoansLoanIdResponse loanResponse = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId.intValue());
GetLoansLoanIdSummary summary = loanResponse.getSummary();
Assertions.assertNotNull(summary);
Assertions.assertEquals(creditedPrincipal, summary.getPrincipalAdjustments());
Assertions.assertEquals(creditedFee, summary.getFeeAdjustments());
Assertions.assertEquals(creditedPenalty, summary.getPenaltyAdjustments());
Assertions.assertEquals(totalOutstanding, summary.getTotalOutstanding());
}
@Nullable
private Long applyAndApproveLoan(Long clientId, Long loanProductId) {
PostLoansRequest applicationRequest = applyLoanRequest(clientId, loanProductId, "01 January 2023", 1250.0, 4)//
@@ -415,22 +1040,23 @@ public class LoanChargebackWithCreditAllocationsIntegrationTests extends BaseLoa
return loanId;
}
public Long createLoanProduct(CreditAllocationData... creditAllocationData) {
PostLoanProductsRequest postLoanProductsRequest = loanProductWithAdvancedPaymentAllocationWith4Installments(creditAllocationData);
public Long createLoanProduct(AdvancedPaymentData defaultAllocation, CreditAllocationData creditAllocationData) {
PostLoanProductsRequest postLoanProductsRequest = loanProductWithAdvancedPaymentAllocationWith4Installments(defaultAllocation,
creditAllocationData);
PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(postLoanProductsRequest);
return loanProductResponse.getResourceId();
}
private PostLoanProductsRequest loanProductWithAdvancedPaymentAllocationWith4Installments(
CreditAllocationData... creditAllocationData) {
private PostLoanProductsRequest loanProductWithAdvancedPaymentAllocationWith4Installments(AdvancedPaymentData defaultAllocation,
CreditAllocationData creditAllocationData) {
return createOnePeriod30DaysLongNoInterestPeriodicAccrualProduct().numberOfRepayments(4)//
.repaymentEvery(1)//
.repaymentFrequencyType(RepaymentFrequencyType.MONTHS.longValue())//
.loanScheduleType(LoanScheduleType.PROGRESSIVE.toString()) //
.loanScheduleProcessingType(LoanScheduleProcessingType.VERTICAL.toString()) //
.transactionProcessingStrategyCode("advanced-payment-allocation-strategy")
.paymentAllocation(List.of(createDefaultPaymentAllocation(), createRepaymentPaymentAllocation()))
.creditAllocation(Arrays.asList(creditAllocationData));
.paymentAllocation(List.of(defaultAllocation, createRepaymentPaymentAllocation()))
.creditAllocation(List.of(creditAllocationData));
}
private AdvancedPaymentData createDefaultPaymentAllocation() {
@@ -448,6 +1074,21 @@ public class LoanChargebackWithCreditAllocationsIntegrationTests extends BaseLoa
return advancedPaymentData;
}
private AdvancedPaymentData createDefaultPaymentAllocationPrincipalFirst() {
AdvancedPaymentData advancedPaymentData = new AdvancedPaymentData();
advancedPaymentData.setTransactionType("DEFAULT");
advancedPaymentData.setFutureInstallmentAllocationRule("NEXT_INSTALLMENT");
List<PaymentAllocationOrder> paymentAllocationOrders = getPaymentAllocationOrder(PaymentAllocationType.PAST_DUE_PENALTY,
PaymentAllocationType.PAST_DUE_FEE, PaymentAllocationType.PAST_DUE_PRINCIPAL, PaymentAllocationType.PAST_DUE_INTEREST,
PaymentAllocationType.DUE_PRINCIPAL, PaymentAllocationType.DUE_FEE, PaymentAllocationType.DUE_PENALTY,
PaymentAllocationType.DUE_INTEREST, PaymentAllocationType.IN_ADVANCE_PRINCIPAL, PaymentAllocationType.IN_ADVANCE_FEE,
PaymentAllocationType.IN_ADVANCE_PENALTY, PaymentAllocationType.IN_ADVANCE_INTEREST);
advancedPaymentData.setPaymentAllocationOrder(paymentAllocationOrders);
return advancedPaymentData;
}
private AdvancedPaymentData createRepaymentPaymentAllocation() {
AdvancedPaymentData advancedPaymentData = new AdvancedPaymentData();
advancedPaymentData.setTransactionType("REPAYMENT");