MIFOSX-397: support apply of annual fees on savings account through manual and scheduled job approach.

mifosng-db/migrations/core_db/V91__apply_annual_fees_permission.sql

@@ -0,0 +1,5 @@
+INSERT INTO `m_permission`
+(`grouping`,`code`,`entity_name`,`action_name`,`can_maker_checker`)
+VALUES
+('transaction_savings', 'APPLYANNUALFEE_SAVINGSACCOUNT', 'SAVINGSACCOUNT', 'APPLYANNUALFEE', 1),
+('transaction_savings', 'APPLYANNUALFEE_SAVINGSACCOUNT_CHECKER', 'SAVINGSACCOUNT', 'APPLYANNUALFEE', 0);

mifosng-provider/src/main/java/org/mifosplatform/commands/domain/CommandWrapper.java

@@ -466,6 +466,10 @@ public class CommandWrapper {
         return this.actionName.equalsIgnoreCase("POSTINTEREST") && this.entityName.equalsIgnoreCase("SAVINGSACCOUNT");
     }
 
+    public boolean isSavingsAccountApplyAnnualFee() {
+        return this.actionName.equalsIgnoreCase("APPLYANNUALFEE") && this.entityName.equalsIgnoreCase("SAVINGSACCOUNT");
+    }
+
     public boolean isSavingsAccountUndoTransaction() {
         return this.actionName.equalsIgnoreCase("UNDOTRANSACTION") && this.entityName.equalsIgnoreCase("SAVINGSACCOUNT");
     }

mifosng-provider/src/main/java/org/mifosplatform/commands/service/CommandWrapperBuilder.java

@@ -47,6 +47,11 @@ public class CommandWrapperBuilder {
         return this;
     }
 
+    public CommandWrapperBuilder withNoJsonBody() {
+        this.json = null;
+        return this;
+    }
+
     public CommandWrapperBuilder updateGlobalConfiguration() {
         this.actionName = "UPDATE";
         this.entityName = "CONFIGURATION";
@@ -850,6 +855,15 @@ public class CommandWrapperBuilder {
         return this;
     }
 
+    public CommandWrapperBuilder savingsAccountApplyAnnualFees(final Long accountId) {
+        this.actionName = "APPLYANNUALFEE";
+        this.entityName = "SAVINGSACCOUNT";
+        this.savingsId = accountId;
+        this.entityId = accountId;
+        this.href = "/savingsaccounts/" + accountId + "?command=applyAnnualFees";
+        return this;
+    }
+
     public CommandWrapperBuilder createCalendar(final String supportedEntityType, final Long supportedEntityId) {
         this.actionName = "CREATE";
         this.entityName = "CALENDAR";
@@ -1168,5 +1182,4 @@ public class CommandWrapperBuilder {
         this.href = "/updateJobDetail/" + jobId+"/updateJobDetail";
         return this;
     }
-
 }

mifosng-provider/src/main/java/org/mifosplatform/commands/service/SynchronousCommandProcessingService.java

@@ -401,6 +401,8 @@ public class SynchronousCommandProcessingService implements CommandProcessingSer
                 handler = this.applicationContext.getBean("calculateInterestSavingsAccountCommandHandler", NewCommandSourceHandler.class);
             } else if (wrapper.isSavingsAccountInterestPosting()) {
                 handler = this.applicationContext.getBean("postInterestSavingsAccountCommandHandler", NewCommandSourceHandler.class);
+            } else if (wrapper.isSavingsAccountApplyAnnualFee()) {
+                handler = this.applicationContext.getBean("applyAnnualFeeSavingsAccountCommandHandler", NewCommandSourceHandler.class);
             } else if (wrapper.isSavingsAccountUndoTransaction()) {
                 handler = this.applicationContext.getBean("undoTransactionSavingsAccountCommandHandler", NewCommandSourceHandler.class);
             } else {

mifosng-provider/src/main/java/org/mifosplatform/infrastructure/core/serialization/FromJsonHelper.java

@@ -97,7 +97,13 @@ public class FromJsonHelper {
     }
 
     public JsonElement parse(final String json) {
-        return parser.parse(json);
+
+        JsonElement parsedElement = null;
+        if (StringUtils.isNotBlank(json)) {
+            parsedElement = parser.parse(json);
+        }
+
+        return parsedElement;
     }
 
     public boolean parameterExists(final String parameterName, final JsonElement element) {

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/SavingsApiConstants.java

@@ -29,6 +29,7 @@ public class SavingsApiConstants {
     public static String modifyApplicationAction = ".modify";
     public static String deleteApplicationAction = ".delete";
     public static String undoTransactionAction = ".undotransaction";
+    public static String applyAnnualFeeTransactionAction = ".applyannualfee";
 
     // general
     public static final String localeParamName = "locale";

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/api/SavingsAccountTransactionsApiResource.java

@@ -120,7 +120,7 @@ public class SavingsAccountTransactionsApiResource {
     @Path("{transactionId}")
     @Consumes({ MediaType.APPLICATION_JSON })
     @Produces({ MediaType.APPLICATION_JSON })
-    public String transaction(@PathParam("savingsId") final Long savingsId, @PathParam("transactionId") final Long transactionId,
+    public String undoTransaction(@PathParam("savingsId") final Long savingsId, @PathParam("transactionId") final Long transactionId,
             @QueryParam("command") final String commandParam, final String apiRequestBodyAsJson) {
 
         String jsonApiRequest = apiRequestBodyAsJson;

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/api/SavingsAccountsApiResource.java

@@ -164,7 +164,6 @@ public class SavingsAccountsApiResource {
         SavingsAccountData templateData = null;
         final ApiRequestJsonSerializationSettings settings = apiRequestParameterHelper.process(uriInfo.getQueryParameters());
         if (settings.isTemplate()) {
-
             templateData = this.savingsAccountReadPlatformService.retrieveTemplate(savingsAccount.clientId(), savingsAccount.groupId(),
                     savingsAccount.productId(), staffInSelectedOfficeOnly);
         }
@@ -217,11 +216,14 @@ public class SavingsAccountsApiResource {
             final CommandWrapper commandRequest = builder.savingsAccountActivation(accountId).build();
             result = this.commandsSourceWritePlatformService.logCommandSource(commandRequest);
         } else if (is(commandParam, "calculateInterest")) {
-            final CommandWrapper commandRequest = builder.withJson(null).savingsAccountInterestCalculation(accountId).build();
+            final CommandWrapper commandRequest = builder.withNoJsonBody().savingsAccountInterestCalculation(accountId).build();
             result = this.commandsSourceWritePlatformService.logCommandSource(commandRequest);
         } else if (is(commandParam, "postInterest")) {
             final CommandWrapper commandRequest = builder.savingsAccountInterestPosting(accountId).build();
             result = this.commandsSourceWritePlatformService.logCommandSource(commandRequest);
+        } else if (is(commandParam, "applyAnnualFees")) {
+            final CommandWrapper commandRequest = builder.savingsAccountApplyAnnualFees(accountId).build();
+            result = this.commandsSourceWritePlatformService.logCommandSource(commandRequest);
         }
 
         if (result == null) {

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/data/SavingsAccountAnnualFeeData.java

@@ -0,0 +1,37 @@
+/**
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this file,
+ * You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+package org.mifosplatform.portfolio.savings.data;
+
+import org.joda.time.LocalDate;
+
+public class SavingsAccountAnnualFeeData {
+
+    private final Long id;
+    private final String accountNo;
+    private final LocalDate nextAnnualFeeDueDate;
+
+    public static SavingsAccountAnnualFeeData instance(final Long id, final String accountNo, final LocalDate nextAnnualFeeDueDate) {
+        return new SavingsAccountAnnualFeeData(id, accountNo, nextAnnualFeeDueDate);
+    }
+
+    private SavingsAccountAnnualFeeData(final Long id, final String accountNo, final LocalDate nextAnnualFeeDueDate) {
+        this.id = id;
+        this.accountNo = accountNo;
+        this.nextAnnualFeeDueDate = nextAnnualFeeDueDate;
+    }
+
+    public Long getId() {
+        return this.id;
+    }
+
+    public String getAccountNo() {
+        return this.accountNo;
+    }
+
+    public LocalDate getNextAnnualFeeDueDate() {
+        return this.nextAnnualFeeDueDate;
+    }
+}

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/data/SavingsAccountData.java

@@ -248,6 +248,10 @@ public class SavingsAccountData {
         this.withdrawalFeeTypeOptions = withdrawalFeeTypeOptions;
     }
 
+    public Long id() {
+        return this.id;
+    }
+
     public Long clientId() {
         return this.clientId;
     }

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/data/SavingsAccountDataValidator.java

@@ -92,7 +92,7 @@ public class SavingsAccountDataValidator {
 
         if (fromApiJsonHelper.parameterExists(fieldOfficerIdParamName, element)) {
             final Long fieldOfficerId = fromApiJsonHelper.extractLongNamed(fieldOfficerIdParamName, element);
-            baseDataValidator.reset().parameter(fieldOfficerIdParamName).value(fieldOfficerId).notNull().integerGreaterThanZero();
+            baseDataValidator.reset().parameter(fieldOfficerIdParamName).value(fieldOfficerId).ignoreIfNull().integerGreaterThanZero();
         }
 
         final LocalDate submittedOnDate = fromApiJsonHelper.extractLocalDateNamed(submittedOnDateParamName, element);
@@ -276,7 +276,7 @@ public class SavingsAccountDataValidator {
 
         if (fromApiJsonHelper.parameterExists(fieldOfficerIdParamName, element)) {
             final Long fieldOfficerId = fromApiJsonHelper.extractLongNamed(fieldOfficerIdParamName, element);
-            baseDataValidator.reset().parameter(fieldOfficerIdParamName).value(fieldOfficerId).notNull().integerGreaterThanZero();
+            baseDataValidator.reset().parameter(fieldOfficerIdParamName).value(fieldOfficerId).ignoreIfNull().integerGreaterThanZero();
         }
 
         if (fromApiJsonHelper.parameterExists(submittedOnDateParamName, element)) {

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/data/TransactionDateData.java

@@ -0,0 +1,21 @@
+/**
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this file,
+ * You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+package org.mifosplatform.portfolio.savings.data;
+
+import org.joda.time.LocalDate;
+
+/**
+ * Immutable data object representing date
+ */
+@SuppressWarnings("unused")
+public class TransactionDateData {
+
+    private final LocalDate date;
+
+    public TransactionDateData(final LocalDate date) {
+        this.date = date;
+    }
+}

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/domain/SavingsAccount.java

@@ -230,7 +230,6 @@ public class SavingsAccount extends AbstractPersistable<Long> {
     @Column(name = "annual_fee_on_day", nullable = true)
     private Integer annualFeeOnDay;
 
-    @SuppressWarnings("unused")
     @Temporal(TemporalType.DATE)
     @Column(name = "annual_fee_next_due_date", nullable = true)
     private Date annualFeeNextDueDate;
@@ -311,22 +310,11 @@ public class SavingsAccount extends AbstractPersistable<Long> {
         if (annualFeeOnMonthDay != null) {
             this.annualFeeOnMonth = annualFeeOnMonthDay.getMonthOfYear();
             this.annualFeeOnDay = annualFeeOnMonthDay.getDayOfMonth();
-
-            updateAnnualFeeNextDueDate();
         }
 
         this.summary = new SavingsAccountSummary();
     }
 
-    private void updateAnnualFeeNextDueDate() {
-        LocalDate nextDueLocalDate = new LocalDate().withMonthOfYear(this.annualFeeOnMonth).withDayOfMonth(this.annualFeeOnDay);
-        if (nextDueLocalDate.isBefore(DateUtils.getLocalDateOfTenant())) {
-            nextDueLocalDate = nextDueLocalDate.plusYears(1);
-        }
-
-        this.annualFeeNextDueDate = nextDueLocalDate.toDate();
-    }
-
     /**
      * Used after fetching/hydrating a {@link SavingsAccount} object to inject
      * helper services/components used for update summary details after
@@ -412,7 +400,7 @@ public class SavingsAccount extends AbstractPersistable<Long> {
         SavingsAccountTransaction postingTransation = null;
 
         for (SavingsAccountTransaction transaction : this.transactions) {
-            if (transaction.isInterestPosting() && transaction.occursOn(postingDate)) {
+            if (transaction.isInterestPostingAndNotReversed() && transaction.occursOn(postingDate)) {
                 postingTransation = transaction;
                 break;
             }
@@ -492,7 +480,7 @@ public class SavingsAccount extends AbstractPersistable<Long> {
         List<SavingsAccountTransaction> orderedNonInterestPostingTransactions = new ArrayList<SavingsAccountTransaction>();
 
         for (SavingsAccountTransaction transaction : listOfTransactionsSorted) {
-            if (!transaction.isInterestPosting() && transaction.isNotReversed()) {
+            if (!transaction.isInterestPostingAndNotReversed() && transaction.isNotReversed()) {
                 orderedNonInterestPostingTransactions.add(transaction);
             }
         }
@@ -523,12 +511,10 @@ public class SavingsAccount extends AbstractPersistable<Long> {
                 transaction.zeroBalanceFields();
             } else {
                 Money transactionAmount = Money.zero(this.currency);
-                if (transaction.isDeposit()) {
+                if (transaction.isCredit()) {
                     transactionAmount = transactionAmount.plus(transaction.getAmount(this.currency));
-                } else if (transaction.isWithdrawal()) {
+                } else if (transaction.isDebit()) {
                     transactionAmount = transactionAmount.minus(transaction.getAmount(this.currency));
-                } else if (transaction.isInterestPosting()) {
-                    transactionAmount = transactionAmount.plus(transaction.getAmount(this.currency));
                 }
 
                 runningBalance = runningBalance.plus(transactionAmount);
@@ -705,7 +691,7 @@ public class SavingsAccount extends AbstractPersistable<Long> {
         boolean transactionBeforeLastInterestPosting = false;
 
         for (SavingsAccountTransaction transaction : retreiveListOfTransactions()) {
-            if (transaction.isNotReversed() && transaction.isInterestPosting() && transaction.isAfter(transactionDate)) {
+            if (transaction.isNotReversed() && transaction.isInterestPostingAndNotReversed() && transaction.isAfter(transactionDate)) {
                 transactionBeforeLastInterestPosting = true;
                 break;
             }
@@ -720,7 +706,7 @@ public class SavingsAccount extends AbstractPersistable<Long> {
         Money runningBalance = Money.zero(this.currency);
 
         for (SavingsAccountTransaction transaction : transactionsSortedByDate) {
-            if (transaction.isNotReversed() && transaction.isDeposit() || transaction.isInterestPosting()) {
+            if (transaction.isNotReversed() && transaction.isDeposit() || transaction.isInterestPostingAndNotReversed()) {
                 runningBalance = runningBalance.plus(transaction.getAmount(this.currency));
             } else if (transaction.isNotReversed() && transaction.isWithdrawal()) {
                 runningBalance = runningBalance.minus(transaction.getAmount(this.currency));
@@ -740,7 +726,7 @@ public class SavingsAccount extends AbstractPersistable<Long> {
         Money runningBalance = Money.zero(this.currency);
 
         for (SavingsAccountTransaction transaction : transactionsSortedByDate) {
-            if (transaction.isNotReversed() && transaction.isDeposit() || transaction.isInterestPosting()) {
+            if (transaction.isNotReversed() && transaction.isDeposit() || transaction.isInterestPostingAndNotReversed()) {
                 runningBalance = runningBalance.plus(transaction.getAmount(this.currency));
             } else if (transaction.isNotReversed() && transaction.isWithdrawal()) {
                 runningBalance = runningBalance.minus(transaction.getAmount(this.currency));
@@ -759,54 +745,51 @@ public class SavingsAccount extends AbstractPersistable<Long> {
         }
     }
 
-    public SavingsAccountTransaction addAnnualFee(final MathContext mc, final DateTimeFormatter formatter, final LocalDate transactionDate,
-            final List<Long> existingTransactionIds, final List<Long> existingReversedTransactionIds) {
+    public SavingsAccountTransaction addAnnualFee(final MathContext mc, final DateTimeFormatter formatter,
+            final LocalDate annualFeeTransactionDate, final LocalDate today, final List<Long> existingTransactionIds,
+            final List<Long> existingReversedTransactionIds) {
+
+        final List<ApiParameterError> dataValidationErrors = new ArrayList<ApiParameterError>();
+        final DataValidatorBuilder baseDataValidator = new DataValidatorBuilder(dataValidationErrors)
+                .resource(SAVINGS_ACCOUNT_RESOURCE_NAME + SavingsApiConstants.applyAnnualFeeTransactionAction);
 
         if (isNotActive()) {
+            baseDataValidator.reset().failWithCodeNoParameterAddedToErrorCode("transaction.invalid.account.is.not.active");
 
-            final String defaultUserMessage = "Transaction is not allowed. Account is not active.";
-            final ApiParameterError error = ApiParameterError.parameterError("error.msg.savingsaccount.transaction.account.is.not.active",
-                    defaultUserMessage, "transactionDate", transactionDate.toString(formatter));
+            if (!dataValidationErrors.isEmpty()) { throw new PlatformApiDataValidationException(dataValidationErrors); }
+        }
 
-            final List<ApiParameterError> dataValidationErrors = new ArrayList<ApiParameterError>();
-            dataValidationErrors.add(error);
+        LocalDate nextAnnualFeeDueDate = getNextAnnualFeeDueDate();
+        if (nextAnnualFeeDueDate == null || annualFeeSettingsNotSet()) {
+            baseDataValidator.reset().failWithCodeNoParameterAddedToErrorCode("no.annualfee.settings");
 
             throw new PlatformApiDataValidationException(dataValidationErrors);
         }
 
-        if (isDateInTheFuture(transactionDate)) {
-            final String defaultUserMessage = "Transaction date cannot be in the future.";
-            final ApiParameterError error = ApiParameterError.parameterError("error.msg.savingsaccount.transaction.in.the.future",
-                    defaultUserMessage, "transactionDate", transactionDate.toString(formatter));
+        if (nextAnnualFeeDueDate.isBefore(getActivationLocalDate())) {
 
-            final List<ApiParameterError> dataValidationErrors = new ArrayList<ApiParameterError>();
-            dataValidationErrors.add(error);
+            baseDataValidator.reset().parameter("annualFeeTransactionDate").value(getActivationLocalDate().toString(formatter))
+                    .failWithCodeNoParameterAddedToErrorCode("before.activationDate");
 
             throw new PlatformApiDataValidationException(dataValidationErrors);
         }
 
-        if (transactionDate.isBefore(getActivationLocalDate())) {
-            final Object[] defaultUserArgs = Arrays.asList(transactionDate.toString(formatter),
-                    getActivationLocalDate().toString(formatter)).toArray();
-            final String defaultUserMessage = "Transaction date cannot be before accounts activation date.";
-            final ApiParameterError error = ApiParameterError.parameterError("error.msg.savingsaccount.transaction.before.activation.date",
-                    defaultUserMessage, "transactionDate", defaultUserArgs);
-
-            final List<ApiParameterError> dataValidationErrors = new ArrayList<ApiParameterError>();
-            dataValidationErrors.add(error);
+        if (isDateInTheFuture(annualFeeTransactionDate)) {
+            baseDataValidator.reset().failWithCodeNoParameterAddedToErrorCode("transaction.in.the.future");
 
             throw new PlatformApiDataValidationException(dataValidationErrors);
         }
 
-        if (isAccountLocked(transactionDate)) {
-            final String defaultUserMessage = "Withdrawal is not allowed. No withdrawals are allowed until after "
-                    + getLockedInUntilLocalDate().toString(formatter);
-            final ApiParameterError error = ApiParameterError.parameterError(
-                    "error.msg.savingsaccount.transaction.withdrawals.blocked.during.lockin.period", defaultUserMessage, "transactionDate",
-                    transactionDate.toString(formatter), getLockedInUntilLocalDate().toString(formatter));
+        if (isNotValidAnnualFeeTransactionDate(annualFeeTransactionDate, today)) {
+            baseDataValidator.reset().failWithCodeNoParameterAddedToErrorCode("invalid.date");
 
-            final List<ApiParameterError> dataValidationErrors = new ArrayList<ApiParameterError>();
-            dataValidationErrors.add(error);
+            throw new PlatformApiDataValidationException(dataValidationErrors);
+        }
+
+        Date currentAnnualFeeNextDueDate = findLatestAnnualFeeTransactionDueDate();
+        if (currentAnnualFeeNextDueDate != null && new LocalDate(currentAnnualFeeNextDueDate).isEqual(annualFeeTransactionDate)) {
+            baseDataValidator.reset().parameter("annualFeeTransactionDate").value(annualFeeTransactionDate.toString(formatter))
+                    .failWithCodeNoParameterAddedToErrorCode("transaction.exists.on.date");
 
             throw new PlatformApiDataValidationException(dataValidationErrors);
         }
@@ -815,19 +798,67 @@ public class SavingsAccount extends AbstractPersistable<Long> {
         existingReversedTransactionIds.addAll(findExistingReversedTransactionIds());
 
         final Money annualFee = Money.of(this.currency, this.annualFeeAmount);
-        SavingsAccountTransaction annualFeeTransaction = SavingsAccountTransaction.annualFee(this, transactionDate, annualFee);
+        SavingsAccountTransaction annualFeeTransaction = SavingsAccountTransaction.annualFee(this, annualFeeTransactionDate, annualFee);
         this.transactions.add(annualFeeTransaction);
 
         this.summary.updateSummary(this.currency, this.savingsAccountTransactionSummaryWrapper, this.transactions);
 
-        final LocalDate today = DateUtils.getLocalDateOfTenant();
         calculateInterestUsing(mc, today);
 
-        updateAnnualFeeNextDueDate();
+        currentAnnualFeeNextDueDate = findLatestAnnualFeeTransactionDueDate();
+        if (currentAnnualFeeNextDueDate != null) {
+            LocalDate newAnnualFeeNextDueDate = new LocalDate(currentAnnualFeeNextDueDate).withMonthOfYear(this.annualFeeOnMonth)
+                    .withDayOfMonth(this.annualFeeOnDay).plusYears(1);
+            this.annualFeeNextDueDate = newAnnualFeeNextDueDate.toDate();
+        } else {
+            updateToNextAnnualFeeDueDateFrom(getActivationLocalDate());
+        }
 
         return annualFeeTransaction;
     }
 
+    private boolean isNotValidAnnualFeeTransactionDate(final LocalDate annualFeeTransactionDate, final LocalDate today) {
+        return !isValidAnnualFeeTransactionDate(annualFeeTransactionDate, today);
+    }
+
+    private boolean isValidAnnualFeeTransactionDate(final LocalDate annualFeeTransactionDate, final LocalDate today) {
+
+        LocalDate startingDate = getActivationLocalDate();
+        boolean isValid = false;
+        while (!startingDate.isAfter(today) && !isValid) {
+            LocalDate nextDueLocalDate = startingDate.withMonthOfYear(this.annualFeeOnMonth).withDayOfMonth(this.annualFeeOnDay);
+            if (startingDate.isAfter(nextDueLocalDate)) {
+                nextDueLocalDate = nextDueLocalDate.plusYears(1);
+            }
+            isValid = nextDueLocalDate.isEqual(annualFeeTransactionDate);
+
+            startingDate = nextDueLocalDate.plusYears(1);
+        }
+
+        return isValid;
+    }
+
+    private void updateToNextAnnualFeeDueDateFrom(final LocalDate startingDate) {
+        LocalDate nextDueLocalDate = startingDate.withMonthOfYear(this.annualFeeOnMonth).withDayOfMonth(this.annualFeeOnDay);
+        this.annualFeeNextDueDate = nextDueLocalDate.toDate();
+    }
+
+    private LocalDate getNextAnnualFeeDueDate() {
+        LocalDate nextAnnualFeeDueDate = null;
+        if (this.annualFeeNextDueDate != null) {
+            nextAnnualFeeDueDate = new LocalDate(this.annualFeeNextDueDate);
+        }
+        return nextAnnualFeeDueDate;
+    }
+
+    private boolean annualFeeSettingsNotSet() {
+        return !annualFeeSettingsSet();
+    }
+
+    private boolean annualFeeSettingsSet() {
+        return this.annualFeeOnDay != null && this.annualFeeOnMonth != null;
+    }
+
     private boolean isAutomaticWithdrawalFee() {
         return this.withdrawalFeeType != null;
     }
@@ -1004,22 +1035,22 @@ public class SavingsAccount extends AbstractPersistable<Long> {
             this.annualFeeAmount = newValue;
         }
 
-        if (command.isChangeInIntegerParameterNamedDefaultingZeroToNull(annualFeeOnMonthDayParamName, this.annualFeeOnDay)) {
+        if (command.hasParameter(annualFeeOnMonthDayParamName)) {
             final MonthDay monthDay = command.extractMonthDayNamed(annualFeeOnMonthDayParamName);
             final String actualValueEntered = command.stringValueOfParameterNamed(annualFeeOnMonthDayParamName);
-            final Integer newValue = monthDay.getDayOfMonth();
-            actualChanges.put(annualFeeOnMonthDayParamName, actualValueEntered);
-            actualChanges.put(localeParamName, localeAsInput);
-            this.annualFeeOnDay = newValue;
-        }
+            final Integer dayOfMonthValue = monthDay.getDayOfMonth();
+            if (this.annualFeeOnDay != dayOfMonthValue) {
+                actualChanges.put(annualFeeOnMonthDayParamName, actualValueEntered);
+                actualChanges.put(localeParamName, localeAsInput);
+                this.annualFeeOnDay = dayOfMonthValue;
+            }
 
-        if (command.isChangeInIntegerParameterNamedDefaultingZeroToNull(annualFeeOnMonthDayParamName, this.annualFeeOnMonth)) {
-            final MonthDay monthDay = command.extractMonthDayNamed(annualFeeOnMonthDayParamName);
-            final String actualValueEntered = command.stringValueOfParameterNamed(annualFeeOnMonthDayParamName);
-            final Integer newValue = monthDay.getMonthOfYear();
-            actualChanges.put(annualFeeOnMonthDayParamName, actualValueEntered);
-            actualChanges.put(localeParamName, localeAsInput);
-            this.annualFeeOnMonth = newValue;
+            final Integer monthOfYear = monthDay.getMonthOfYear();
+            if (this.annualFeeOnMonth != monthOfYear) {
+                actualChanges.put(annualFeeOnMonthDayParamName, actualValueEntered);
+                actualChanges.put(localeParamName, localeAsInput);
+                this.annualFeeOnMonth = monthOfYear;
+            }
         }
 
         // set period type to null if frequency is null
@@ -1028,10 +1059,6 @@ public class SavingsAccount extends AbstractPersistable<Long> {
             this.annualFeeOnMonth = null;
         }
 
-        if (this.annualFeeOnDay != null && this.annualFeeOnMonth != null) {
-            updateAnnualFeeNextDueDate();
-        }
-
         validateLockinDetails();
         validateWithdrawalFeeDetails();
         validateAnnualFeeDetails();
@@ -1388,12 +1415,45 @@ public class SavingsAccount extends AbstractPersistable<Long> {
             transactionToUndo.reverse();
             reversedTransactionIds.add(transactionId);
 
+            if (transactionToUndo.isAnnualFee()) {
+                this.annualFeeNextDueDate = findLatestAnnualFeeTransactionDueDate();
+                if (this.annualFeeNextDueDate == null) {
+                    updateToNextAnnualFeeDueDateFrom(getActivationLocalDate());
+                } else {
+                    LocalDate newAnnualFeeNextDueDate = new LocalDate(this.annualFeeNextDueDate).withMonthOfYear(this.annualFeeOnMonth)
+                            .withDayOfMonth(this.annualFeeOnDay).plusYears(1);
+                    this.annualFeeNextDueDate = newAnnualFeeNextDueDate.toDate();
+                }
+            }
+
             calculateInterestUsing(mc, upToInterestCalculationDate);
 
             validateAccountBalanceDoesNotBecomeNegativeDueToUndoAction(retreiveListOfTransactions());
         }
     }
 
+    private Date findLatestAnnualFeeTransactionDueDate() {
+
+        Date nextDueDate = null;
+
+        LocalDate lastAnnualFeeTransactionDate = null;
+        for (SavingsAccountTransaction transaction : retreiveOrderedListOfTransactions()) {
+            if (transaction.isAnnualFeeAndNotReversed()) {
+                if (lastAnnualFeeTransactionDate == null) {
+                    lastAnnualFeeTransactionDate = transaction.transactionLocalDate();
+                    nextDueDate = lastAnnualFeeTransactionDate.toDate();
+                }
+
+                if (transaction.transactionLocalDate().isAfter(lastAnnualFeeTransactionDate)) {
+                    lastAnnualFeeTransactionDate = transaction.transactionLocalDate();
+                    nextDueDate = lastAnnualFeeTransactionDate.toDate();
+                }
+            }
+        }
+
+        return nextDueDate;
+    }
+
     public Map<String, Object> rejectApplication(final AppUser currentUser, final JsonCommand command, final LocalDate tenantsTodayDate) {
 
         final Map<String, Object> actualChanges = new LinkedHashMap<String, Object>();
@@ -1548,6 +1608,10 @@ public class SavingsAccount extends AbstractPersistable<Long> {
         this.activatedBy = currentUser;
         this.lockedInUntilDate = calculateDateAccountIsLockedUntil(getActivationLocalDate());
 
+        if (annualFeeSettingsSet()) {
+            updateToNextAnnualFeeDueDateFrom(getActivationLocalDate());
+        }
+
         if (this.client.isActivatedAfter(activationDate)) {
 
             final DateTimeFormatter formatter = DateTimeFormat.forPattern(command.dateFormat()).withLocale(command.extractLocale());

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/domain/SavingsAccountTransaction.java

@@ -146,16 +146,20 @@ public final class SavingsAccountTransaction extends AbstractPersistable<Long> {
         return SavingsAccountTransactionType.fromInt(this.typeOf).isWithdrawal();
     }
 
-    public boolean isInterestPosting() {
+    public boolean isInterestPostingAndNotReversed() {
         return SavingsAccountTransactionType.fromInt(this.typeOf).isInterestPosting() && isNotReversed();
     }
 
-    public boolean isWithdrawalFee() {
+    public boolean isWithdrawalFeeAndNotReversed() {
         return SavingsAccountTransactionType.fromInt(this.typeOf).isWithdrawalFee() && isNotReversed();
     }
 
+    public boolean isAnnualFeeAndNotReversed() {
+        return isAnnualFee() && isNotReversed();
+    }
+
     public boolean isAnnualFee() {
-        return SavingsAccountTransactionType.fromInt(this.typeOf).isAnnualFee() && isNotReversed();
+        return SavingsAccountTransactionType.fromInt(this.typeOf).isAnnualFee();
     }
 
     public boolean isNotReversed() {
@@ -258,7 +262,7 @@ public final class SavingsAccountTransaction extends AbstractPersistable<Long> {
         Money endOfDayBalance = openingBalance.copy();
         if (isDeposit()) {
             endOfDayBalance = openingBalance.plus(getAmount(currency));
-        } else if (isWithdrawal() || isWithdrawalFee()) {
+        } else if (isWithdrawal() || isWithdrawalFeeAndNotReversed()) {
             endOfDayBalance = openingBalance.minus(getAmount(currency));
         }
 
@@ -274,7 +278,7 @@ public final class SavingsAccountTransaction extends AbstractPersistable<Long> {
         Money endOfDayBalance = openingBalance.copy();
         if (isDeposit()) {
             endOfDayBalance = openingBalance.plus(getAmount(currency));
-        } else if (isWithdrawal() || isWithdrawalFee()) {
+        } else if (isWithdrawal() || isWithdrawalFeeAndNotReversed()) {
             endOfDayBalance = openingBalance.minus(getAmount(currency));
         }
 
@@ -298,7 +302,7 @@ public final class SavingsAccountTransaction extends AbstractPersistable<Long> {
         } else {
             if (isDeposit()) {
                 endOfDayBalance = openingBalance.plus(getAmount(currency));
-            } else if (isWithdrawal() || isWithdrawalFee()) {
+            } else if (isWithdrawal() || isWithdrawalFeeAndNotReversed()) {
                 endOfDayBalance = openingBalance.minus(getAmount(currency));
             }
         }
@@ -329,4 +333,12 @@ public final class SavingsAccountTransaction extends AbstractPersistable<Long> {
     public boolean isIdentifiedBy(final Long transactionId) {
         return this.getId().equals(transactionId);
     }
+
+    public boolean isCredit() {
+        return isDeposit() || isInterestPostingAndNotReversed();
+    }
+
+    public boolean isDebit() {
+        return isWithdrawal() || isWithdrawalFeeAndNotReversed() || isAnnualFeeAndNotReversed();
+    }
 }

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/domain/SavingsAccountTransactionComparator.java

@@ -19,9 +19,9 @@ public class SavingsAccountTransactionComparator implements Comparator<SavingsAc
         final int comparsion = o1.transactionLocalDate().compareTo(o2.transactionLocalDate());
         if (comparsion == 0) {
             // equal transaction dates
-            if (o1.isInterestPosting() && !o2.isInterestPosting()) {
+            if (o1.isInterestPostingAndNotReversed() && !o2.isInterestPostingAndNotReversed()) {
                 compareResult = -1;
-            } else if (!o1.isInterestPosting() && o2.isInterestPosting()) {
+            } else if (!o1.isInterestPostingAndNotReversed() && o2.isInterestPostingAndNotReversed()) {
                 compareResult = 1;
             } else {
                 compareResult = 0;

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/domain/SavingsAccountTransactionSummaryWrapper.java

@@ -42,7 +42,7 @@ public final class SavingsAccountTransactionSummaryWrapper {
     public BigDecimal calculateTotalInterestPosted(final MonetaryCurrency currency, final List<SavingsAccountTransaction> transactions) {
         Money total = Money.zero(currency);
         for (SavingsAccountTransaction transaction : transactions) {
-            if (transaction.isInterestPosting() && transaction.isNotReversed()) {
+            if (transaction.isInterestPostingAndNotReversed() && transaction.isNotReversed()) {
                 total = total.plus(transaction.getAmount(currency));
             }
         }
@@ -52,7 +52,7 @@ public final class SavingsAccountTransactionSummaryWrapper {
     public BigDecimal calculateTotalWithdrawalFees(final MonetaryCurrency currency, final List<SavingsAccountTransaction> transactions) {
         Money total = Money.zero(currency);
         for (SavingsAccountTransaction transaction : transactions) {
-            if (transaction.isWithdrawalFee() && transaction.isNotReversed()) {
+            if (transaction.isWithdrawalFeeAndNotReversed() && transaction.isNotReversed()) {
                 total = total.plus(transaction.getAmount(currency));
             }
         }
@@ -62,7 +62,7 @@ public final class SavingsAccountTransactionSummaryWrapper {
     public BigDecimal calculateTotalAnnualFees(final MonetaryCurrency currency, final List<SavingsAccountTransaction> transactions) {
         Money total = Money.zero(currency);
         for (SavingsAccountTransaction transaction : transactions) {
-            if (transaction.isAnnualFee() && transaction.isNotReversed()) {
+            if (transaction.isAnnualFeeAndNotReversed() && transaction.isNotReversed()) {
                 total = total.plus(transaction.getAmount(currency));
             }
         }

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/handler/ApplyAnnualFeeSavingsAccountCommandHandler.java

@@ -0,0 +1,35 @@
+/**
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this file,
+ * You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+package org.mifosplatform.portfolio.savings.handler;
+
+import org.joda.time.LocalDate;
+import org.mifosplatform.commands.handler.NewCommandSourceHandler;
+import org.mifosplatform.infrastructure.core.api.JsonCommand;
+import org.mifosplatform.infrastructure.core.data.CommandProcessingResult;
+import org.mifosplatform.portfolio.savings.service.SavingsAccountWritePlatformService;
+import org.springframework.beans.factory.annotation.Autowired;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+@Service
+public class ApplyAnnualFeeSavingsAccountCommandHandler implements NewCommandSourceHandler {
+
+    private final SavingsAccountWritePlatformService writePlatformService;
+
+    @Autowired
+    public ApplyAnnualFeeSavingsAccountCommandHandler(final SavingsAccountWritePlatformService writePlatformService) {
+        this.writePlatformService = writePlatformService;
+    }
+
+    @Transactional
+    @Override
+    public CommandProcessingResult processCommand(final JsonCommand command) {
+
+        LocalDate annualFeeTransactionDate = command.localDateValueOfParameterNamed("annualFeeTransactionDate");
+
+        return this.writePlatformService.applyAnnualFee(command.getSavingsId(), annualFeeTransactionDate);
+    }
+}

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/service/SavingsAccountReadPlatformService.java

@@ -9,6 +9,7 @@ import java.util.Collection;
 
 import org.mifosplatform.infrastructure.core.service.Page;
 import org.mifosplatform.portfolio.group.service.SearchParameters;
+import org.mifosplatform.portfolio.savings.data.SavingsAccountAnnualFeeData;
 import org.mifosplatform.portfolio.savings.data.SavingsAccountData;
 import org.mifosplatform.portfolio.savings.data.SavingsAccountTransactionData;
 
@@ -23,4 +24,6 @@ public interface SavingsAccountReadPlatformService {
     SavingsAccountTransactionData retrieveDepositTransactionTemplate(Long savingsId);
 
     Collection<SavingsAccountTransactionData> retrieveAllTransactions(Long savingsId);
+
+    Collection<SavingsAccountAnnualFeeData> retrieveAccountsWithAnnualFeeDue();
 }

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/service/SavingsAccountReadPlatformServiceImpl.java

@@ -37,6 +37,7 @@ import org.mifosplatform.portfolio.savings.SavingsInterestCalculationDaysInYearT
 import org.mifosplatform.portfolio.savings.SavingsInterestCalculationType;
 import org.mifosplatform.portfolio.savings.SavingsPeriodFrequencyType;
 import org.mifosplatform.portfolio.savings.SavingsPostingInterestPeriodType;
+import org.mifosplatform.portfolio.savings.data.SavingsAccountAnnualFeeData;
 import org.mifosplatform.portfolio.savings.data.SavingsAccountApplicationTimelineData;
 import org.mifosplatform.portfolio.savings.data.SavingsAccountData;
 import org.mifosplatform.portfolio.savings.data.SavingsAccountStatusEnumData;
@@ -63,11 +64,16 @@ public class SavingsAccountReadPlatformServiceImpl implements SavingsAccountRead
     private final SavingsProductReadPlatformService savingsProductReadPlatformService;
     private final StaffReadPlatformService staffReadPlatformService;
     private final SavingsDropdownReadPlatformService dropdownReadPlatformService;
+
+    // mappers
     private final SavingsAccountTransactionTemplateMapper transactionTemplateMapper;
     private final SavingsAccountTransactionsMapper transactionsMapper;
+    private final SavingAccountMapper savingAccountMapper;
+    private final SavingsAccountAnnualFeeMapper annualFeeMapper;
 
+    // pagination
     private final PaginationHelper<SavingsAccountData> paginationHelper = new PaginationHelper<SavingsAccountData>();
-    private final SavingAccountMapper savingAccountMapper = new SavingAccountMapper();
+
 
     @Autowired
     public SavingsAccountReadPlatformServiceImpl(final PlatformSecurityContext context, final RoutingDataSource dataSource,
@@ -83,6 +89,8 @@ public class SavingsAccountReadPlatformServiceImpl implements SavingsAccountRead
         this.dropdownReadPlatformService = dropdownReadPlatformService;
         this.transactionTemplateMapper = new SavingsAccountTransactionTemplateMapper();
         this.transactionsMapper = new SavingsAccountTransactionsMapper();
+        this.savingAccountMapper = new SavingAccountMapper();
+        this.annualFeeMapper = new SavingsAccountAnnualFeeMapper();
     }
 
     @Override
@@ -476,8 +484,6 @@ public class SavingsAccountReadPlatformServiceImpl implements SavingsAccountRead
     public SavingsAccountTransactionData retrieveDepositTransactionTemplate(final Long savingsId) {
 
         try {
-            this.context.authenticatedUser();
-
             final String sql = "select " + transactionTemplateMapper.schema() + " where sa.id = ?";
 
             return this.jdbcTemplate.queryForObject(sql, transactionTemplateMapper, new Object[] { savingsId });
@@ -494,6 +500,14 @@ public class SavingsAccountReadPlatformServiceImpl implements SavingsAccountRead
         return this.jdbcTemplate.query(sql, this.transactionsMapper, new Object[] { savingsId });
     }
 
+    @Override
+    public Collection<SavingsAccountAnnualFeeData> retrieveAccountsWithAnnualFeeDue() {
+        final String sql = "select " + annualFeeMapper.schema()
+                + " where sa.annual_fee_next_due_date not null and sa.annual_fee_next_due_date <= NOW()";
+
+        return this.jdbcTemplate.query(sql, this.annualFeeMapper, new Object[] {});
+    }
+
     private static final class SavingsAccountTransactionsMapper implements RowMapper<SavingsAccountTransactionData> {
 
         private final String schemaSql;
@@ -731,4 +745,32 @@ public class SavingsAccountReadPlatformServiceImpl implements SavingsAccountRead
                     annualFeeOnMonthDay, annualFeeNextDueDate, summary);
         }
     }
+
+    private static final class SavingsAccountAnnualFeeMapper implements RowMapper<SavingsAccountAnnualFeeData> {
+
+        private final String schemaSql;
+
+        public SavingsAccountAnnualFeeMapper() {
+            final StringBuilder sqlBuilder = new StringBuilder(200);
+            sqlBuilder.append("sa.id as id, sa.account_no as accountNo, ");
+            sqlBuilder.append("sa.annual_fee_next_due_date as annualFeeNextDueDate, ");
+            sqlBuilder.append("from m_savings_account sa ");
+
+            this.schemaSql = sqlBuilder.toString();
+        }
+
+        public String schema() {
+            return this.schemaSql;
+        }
+
+        @Override
+        public SavingsAccountAnnualFeeData mapRow(final ResultSet rs, @SuppressWarnings("unused") final int rowNum) throws SQLException {
+
+            final Long id = rs.getLong("id");
+            final String accountNo = rs.getString("accountNo");
+            final LocalDate annualFeeNextDueDate = JdbcSupport.getLocalDate(rs, "annualFeeNextDueDate");
+
+            return SavingsAccountAnnualFeeData.instance(id, accountNo, annualFeeNextDueDate);
+        }
+    }
 }

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/service/SavingsAccountWritePlatformService.java

@@ -5,6 +5,7 @@
  */
 package org.mifosplatform.portfolio.savings.service;
 
+import org.joda.time.LocalDate;
 import org.mifosplatform.infrastructure.core.api.JsonCommand;
 import org.mifosplatform.infrastructure.core.data.CommandProcessingResult;
 
@@ -16,7 +17,7 @@ public interface SavingsAccountWritePlatformService {
 
     CommandProcessingResult withdrawal(Long savingsId, JsonCommand command);
 
-    CommandProcessingResult applyAnnualFee(Long savingsId);
+    CommandProcessingResult applyAnnualFee(Long savingsId, LocalDate annualFeeTransactionDate);
 
     CommandProcessingResult calculateInterest(Long savingsId);
 

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/service/SavingsAccountWritePlatformServiceJpaRepositoryImpl.java

@@ -205,20 +205,20 @@ public class SavingsAccountWritePlatformServiceJpaRepositoryImpl implements Savi
 
     @Transactional
     @Override
-    public CommandProcessingResult applyAnnualFee(final Long savingsId) {
+    public CommandProcessingResult applyAnnualFee(final Long savingsId, final LocalDate annualFeeTransactionDate) {
 
         final SavingsAccount account = this.savingAccountAssembler.assembleFrom(savingsId);
 
-        final LocalDate transactionDate = LocalDate.now();
-
         final DateTimeFormatter fmt = DateTimeFormat.forPattern("dd MM yyyy");
 
         final List<Long> existingTransactionIds = new ArrayList<Long>();
         final List<Long> existingReversedTransactionIds = new ArrayList<Long>();
 
-        final MathContext mc = new MathContext(10, RoundingMode.HALF_EVEN);
-        final SavingsAccountTransaction annualFee = account.addAnnualFee(mc, fmt, transactionDate,
-                existingTransactionIds, existingReversedTransactionIds);
+        final MathContext mc = MathContext.DECIMAL64;
+        final LocalDate today = DateUtils.getLocalDateOfTenant();
+
+        final SavingsAccountTransaction annualFee = account.addAnnualFee(mc, fmt, annualFeeTransactionDate, today, existingTransactionIds,
+                existingReversedTransactionIds);
         final Long transactionId = saveTransactionToGenerateTransactionId(annualFee);
         this.savingAccountRepository.save(account);
 

mifosng-provider/src/main/java/org/mifosplatform/portfolio/savings/service/SavingsApplicationProcessWritePlatformServiceJpaRepositoryImpl.java

@@ -209,8 +209,12 @@ public class SavingsApplicationProcessWritePlatformServiceJpaRepositoryImpl impl
 
                 if (changes.containsKey(SavingsApiConstants.fieldOfficerIdParamName)) {
                     final Long fieldOfficerId = command.longValueOfParameterNamed(SavingsApiConstants.fieldOfficerIdParamName);
-                    final Staff fieldOfficer = this.staffRepository.findOneWithNotFoundDetection(fieldOfficerId);
-
+                    Staff fieldOfficer = null;
+                    if (fieldOfficerId != null) {
+                        fieldOfficer = this.staffRepository.findOneWithNotFoundDetection(fieldOfficerId);
+                    } else {
+                        changes.put(SavingsApiConstants.fieldOfficerIdParamName, "");
+                    }
                     account.update(fieldOfficer);
                 }
 

mifosng-provider/src/main/java/org/mifosplatform/scheduledjobs/service/ScheduledJobRunnerServiceImpl.java

@@ -5,12 +5,14 @@
  */
 package org.mifosplatform.scheduledjobs.service;
 
-import java.util.List;
+import java.util.Collection;
 
 import org.mifosplatform.infrastructure.core.service.RoutingDataSourceServiceFactory;
 import org.mifosplatform.infrastructure.core.service.ThreadLocalContextUtil;
 import org.mifosplatform.infrastructure.jobs.annotation.CronTarget;
 import org.mifosplatform.infrastructure.jobs.service.JobName;
+import org.mifosplatform.portfolio.savings.data.SavingsAccountAnnualFeeData;
+import org.mifosplatform.portfolio.savings.service.SavingsAccountReadPlatformService;
 import org.mifosplatform.portfolio.savings.service.SavingsAccountWritePlatformService;
 import org.slf4j.Logger;
 import org.slf4j.LoggerFactory;
@@ -23,14 +25,18 @@ import org.springframework.transaction.annotation.Transactional;
 public class ScheduledJobRunnerServiceImpl implements ScheduledJobRunnerService {
 
     private final static Logger logger = LoggerFactory.getLogger(ScheduledJobRunnerServiceImpl.class);
+
     private final RoutingDataSourceServiceFactory dataSourceServiceFactory;
     private final SavingsAccountWritePlatformService savingsAccountWritePlatformService;
+    private final SavingsAccountReadPlatformService savingsAccountReadPlatformService;
 
     @Autowired
     public ScheduledJobRunnerServiceImpl(final RoutingDataSourceServiceFactory dataSourceServiceFactory,
-            final SavingsAccountWritePlatformService savingsAccountWritePlatformService) {
+            final SavingsAccountWritePlatformService savingsAccountWritePlatformService,
+            final SavingsAccountReadPlatformService savingsAccountReadPlatformService) {
         this.dataSourceServiceFactory = dataSourceServiceFactory;
         this.savingsAccountWritePlatformService = savingsAccountWritePlatformService;
+        this.savingsAccountReadPlatformService = savingsAccountReadPlatformService;
     }
 
     @Transactional
@@ -193,16 +199,15 @@ public class ScheduledJobRunnerServiceImpl implements ScheduledJobRunnerService
     @Override
     @CronTarget(jobName = JobName.APPLY_ANNUAL_FEE_FOR_SAVINGS)
     public void applyAnnualFeeForSavings() {
+        
+        final Collection<SavingsAccountAnnualFeeData> annualFeeData = this.savingsAccountReadPlatformService
+                .retrieveAccountsWithAnnualFeeDue();
 
-        JdbcTemplate jdbcTemplate = new JdbcTemplate(dataSourceServiceFactory.determineDataSourceService().retrieveDataSource());
-
-        String sql = "SELECT ms.id as savingsAccountId FROM m_savings_account ms WHERE ms.annual_fee_next_due_date <= NOW() ";
-        List<Long> savingsIds = jdbcTemplate.queryForList(sql, Long.class);
-
-        for (Long savingsId : savingsIds) {
-            this.savingsAccountWritePlatformService.applyAnnualFee(savingsId);
+        for (SavingsAccountAnnualFeeData savingsAccountReference : annualFeeData) {
+            this.savingsAccountWritePlatformService.applyAnnualFee(savingsAccountReference.getId(),
+                    savingsAccountReference.getNextAnnualFeeDueDate());
         }
 
-        logger.info(ThreadLocalContextUtil.getTenant().getName() + ": Results affected by update: " + savingsIds.size());
+        logger.info(ThreadLocalContextUtil.getTenant().getName() + ": Savings accounts affected by update: " + annualFeeData.size());
     }
 }