| /** |
| * Licensed to the Apache Software Foundation (ASF) under one |
| * or more contributor license agreements. See the NOTICE file |
| * distributed with this work for additional information |
| * regarding copyright ownership. The ASF licenses this file |
| * to you under the Apache License, Version 2.0 (the |
| * "License"); you may not use this file except in compliance |
| * with the License. You may obtain a copy of the License at |
| * |
| * http://www.apache.org/licenses/LICENSE-2.0 |
| * |
| * Unless required by applicable law or agreed to in writing, |
| * software distributed under the License is distributed on an |
| * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY |
| * KIND, either express or implied. See the License for the |
| * specific language governing permissions and limitations |
| * under the License. |
| */ |
| package org.apache.fineract.integrationtests; |
| |
| import static org.apache.fineract.integrationtests.common.loans.LoanProductTestBuilder.ACCRUAL_PERIODIC; |
| import static org.apache.fineract.integrationtests.common.loans.LoanProductTestBuilder.DEFAULT_STRATEGY; |
| import static org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.impl.AdvancedPaymentScheduleTransactionProcessor.ADVANCED_PAYMENT_ALLOCATION_STRATEGY; |
| import static org.junit.jupiter.api.Assertions.assertEquals; |
| import static org.junit.jupiter.api.Assertions.assertNotNull; |
| import static org.junit.jupiter.api.Assertions.assertNull; |
| |
| import io.restassured.builder.RequestSpecBuilder; |
| import io.restassured.builder.ResponseSpecBuilder; |
| import io.restassured.http.ContentType; |
| import io.restassured.specification.RequestSpecification; |
| import io.restassured.specification.ResponseSpecification; |
| import java.time.LocalDate; |
| import java.util.Arrays; |
| import java.util.HashMap; |
| import java.util.List; |
| import java.util.concurrent.atomic.AtomicInteger; |
| import java.util.stream.Stream; |
| import lombok.extern.slf4j.Slf4j; |
| import org.apache.fineract.client.models.AdvancedPaymentData; |
| import org.apache.fineract.client.models.GetDelinquencyBucketsResponse; |
| import org.apache.fineract.client.models.GetDelinquencyRangesResponse; |
| import org.apache.fineract.client.models.GetLoanProductsProductIdResponse; |
| import org.apache.fineract.client.models.GetLoansLoanIdRepaymentPeriod; |
| import org.apache.fineract.client.models.GetLoansLoanIdRepaymentSchedule; |
| import org.apache.fineract.client.models.GetLoansLoanIdResponse; |
| import org.apache.fineract.client.models.GetLoansLoanIdTransactions; |
| import org.apache.fineract.client.models.GetLoansLoanIdTransactionsTransactionIdResponse; |
| import org.apache.fineract.client.models.PaymentAllocationOrder; |
| import org.apache.fineract.client.models.PostLoansLoanIdTransactionsResponse; |
| import org.apache.fineract.infrastructure.businessdate.domain.BusinessDateType; |
| import org.apache.fineract.integrationtests.common.BusinessDateHelper; |
| import org.apache.fineract.integrationtests.common.ClientHelper; |
| import org.apache.fineract.integrationtests.common.GlobalConfigurationHelper; |
| import org.apache.fineract.integrationtests.common.Utils; |
| import org.apache.fineract.integrationtests.common.accounting.AccountHelper; |
| import org.apache.fineract.integrationtests.common.accounting.JournalEntryHelper; |
| import org.apache.fineract.integrationtests.common.loans.LoanApplicationTestBuilder; |
| import org.apache.fineract.integrationtests.common.loans.LoanProductTestBuilder; |
| import org.apache.fineract.integrationtests.common.loans.LoanTestLifecycleExtension; |
| import org.apache.fineract.integrationtests.common.loans.LoanTransactionHelper; |
| import org.apache.fineract.integrationtests.common.products.DelinquencyBucketsHelper; |
| import org.apache.fineract.portfolio.loanaccount.loanschedule.domain.LoanScheduleType; |
| import org.apache.fineract.portfolio.loanproduct.domain.PaymentAllocationType; |
| import org.junit.jupiter.api.BeforeEach; |
| import org.junit.jupiter.api.Named; |
| import org.junit.jupiter.api.extension.ExtendWith; |
| import org.junit.jupiter.params.ParameterizedTest; |
| import org.junit.jupiter.params.provider.Arguments; |
| import org.junit.jupiter.params.provider.MethodSource; |
| |
| @Slf4j |
| @ExtendWith(LoanTestLifecycleExtension.class) |
| public class LoanTransactionChargebackTest extends BaseLoanIntegrationTest { |
| |
| private ResponseSpecification responseSpec; |
| private ResponseSpecification responseSpecErr400; |
| private ResponseSpecification responseSpecErr403; |
| private ResponseSpecification responseSpecErr503; |
| private RequestSpecification requestSpec; |
| private LoanTransactionHelper loanTransactionHelper; |
| private JournalEntryHelper journalEntryHelper; |
| private AccountHelper accountHelper; |
| private final String amountVal = "1000"; |
| private LocalDate todaysDate; |
| private String operationDate; |
| |
| @BeforeEach |
| public void setup() { |
| Utils.initializeRESTAssured(); |
| this.requestSpec = new RequestSpecBuilder().setContentType(ContentType.JSON).build(); |
| this.requestSpec.header("Authorization", "Basic " + Utils.loginIntoServerAndGetBase64EncodedAuthenticationKey()); |
| this.responseSpec = new ResponseSpecBuilder().expectStatusCode(200).build(); |
| this.responseSpecErr400 = new ResponseSpecBuilder().expectStatusCode(400).build(); |
| this.responseSpecErr403 = new ResponseSpecBuilder().expectStatusCode(403).build(); |
| this.responseSpecErr503 = new ResponseSpecBuilder().expectStatusCode(503).build(); |
| this.loanTransactionHelper = new LoanTransactionHelper(this.requestSpec, this.responseSpec); |
| this.journalEntryHelper = new JournalEntryHelper(requestSpec, responseSpec); |
| this.accountHelper = new AccountHelper(requestSpec, responseSpec); |
| |
| this.todaysDate = Utils.getLocalDateOfTenant(); |
| this.operationDate = Utils.dateFormatter.format(this.todaysDate); |
| } |
| |
| @ParameterizedTest |
| @MethodSource("loanProductFactory") |
| public void applyLoanTransactionChargeback(LoanProductTestBuilder loanProductTestBuilder) { |
| // Client and Loan account creation |
| final Integer loanId = createAccounts(15, 1, true, loanProductTestBuilder); |
| |
| GetLoansLoanIdResponse getLoansLoanIdResponse = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId); |
| assertNotNull(getLoansLoanIdResponse); |
| |
| loanTransactionHelper.printRepaymentSchedule(getLoansLoanIdResponse); |
| |
| Float amount = Float.valueOf(amountVal); |
| PostLoansLoanIdTransactionsResponse loanIdTransactionsResponse = loanTransactionHelper.makeLoanRepayment(operationDate, amount, |
| loanId); |
| assertNotNull(loanIdTransactionsResponse); |
| final Long transactionId = loanIdTransactionsResponse.getResourceId(); |
| assertNotNull(transactionId); |
| |
| getLoansLoanIdResponse = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId); |
| assertNotNull(getLoansLoanIdResponse); |
| loanTransactionHelper.validateLoanStatus(getLoansLoanIdResponse, "loanStatusType.closed.obligations.met"); |
| |
| reviewLoanTransactionRelations(loanId, transactionId, 0, Double.valueOf("0.00")); |
| |
| final Long chargebackTransactionId = loanTransactionHelper.applyChargebackTransaction(loanId, transactionId, "1000.00", 0, |
| responseSpec); |
| |
| reviewLoanTransactionRelations(loanId, transactionId, 1, Double.valueOf("0.00")); |
| reviewLoanTransactionRelations(loanId, chargebackTransactionId, 0, Double.valueOf("1000.00")); |
| |
| getLoansLoanIdResponse = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId); |
| assertNotNull(getLoansLoanIdResponse); |
| loanTransactionHelper.validateLoanStatus(getLoansLoanIdResponse, "loanStatusType.active"); |
| |
| loanTransactionHelper.validateLoanPrincipalOustandingBalance(getLoansLoanIdResponse, amount.doubleValue()); |
| |
| verifyTRJournalEntries(chargebackTransactionId, // |
| credit(fundSource, 1000.0), // |
| debit(loansReceivableAccount, 1000.0) // |
| ); |
| |
| // Try to reverse a Loan Transaction charge back |
| PostLoansLoanIdTransactionsResponse reverseTransactionResponse = loanTransactionHelper.reverseLoanTransaction(loanId, |
| chargebackTransactionId, operationDate, responseSpecErr403); |
| |
| // Try to reverse a Loan Transaction repayment with linked transactions |
| reverseTransactionResponse = loanTransactionHelper.reverseLoanTransaction(loanId, transactionId, operationDate, responseSpecErr503); |
| } |
| |
| @ParameterizedTest |
| @MethodSource("loanProductFactory") |
| public void applyAndAdjustLoanTransactionChargeback(LoanProductTestBuilder loanProductTestBuilder) { |
| // Client and Loan account creation |
| final Integer loanId = createAccounts(15, 1, false, loanProductTestBuilder); |
| |
| Float amount = Float.valueOf(amountVal); |
| PostLoansLoanIdTransactionsResponse loanTransactionResponse = loanTransactionHelper.makeLoanRepayment(operationDate, amount, |
| loanId); |
| assertNotNull(loanTransactionResponse); |
| final Long transactionId = loanTransactionResponse.getResourceId(); |
| |
| final Long chargebackTransactionId = loanTransactionHelper.applyChargebackTransaction(loanId, transactionId, "1000.00", 0, |
| responseSpec); |
| |
| // Then |
| loanTransactionHelper.adjustLoanTransaction(loanId, chargebackTransactionId, operationDate, responseSpecErr403); |
| } |
| |
| @ParameterizedTest |
| @MethodSource("loanProductFactory") |
| public void applyLoanTransactionChargebackWithAmountZero(LoanProductTestBuilder loanProductTestBuilder) { |
| // Client and Loan account creation |
| final Integer loanId = createAccounts(15, 1, false, loanProductTestBuilder); |
| |
| GetLoansLoanIdResponse getLoansLoanIdResponse = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId); |
| assertNotNull(getLoansLoanIdResponse); |
| |
| loanTransactionHelper.printRepaymentSchedule(getLoansLoanIdResponse); |
| |
| Float amount = Float.valueOf(amountVal); |
| PostLoansLoanIdTransactionsResponse loanIdTransactionsResponse = loanTransactionHelper.makeLoanRepayment(operationDate, amount, |
| loanId); |
| assertNotNull(loanIdTransactionsResponse); |
| final Long transactionId = loanIdTransactionsResponse.getResourceId(); |
| |
| getLoansLoanIdResponse = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId); |
| assertNotNull(getLoansLoanIdResponse); |
| loanTransactionHelper.validateLoanStatus(getLoansLoanIdResponse, "loanStatusType.closed.obligations.met"); |
| |
| loanTransactionHelper.applyChargebackTransaction(loanId, transactionId, "0.00", 0, responseSpecErr400); |
| } |
| |
| @ParameterizedTest |
| @MethodSource("loanProductFactory") |
| public void applyLoanTransactionChargebackInLongTermLoan(LoanProductTestBuilder loanProductTestBuilder) { |
| try { |
| GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.TRUE); |
| LocalDate businessDate = LocalDate.of(2023, 1, 20); |
| todaysDate = businessDate; |
| BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, businessDate); |
| // Client and Loan account creation |
| final Integer daysToSubtract = 1; |
| final Integer numberOfRepayments = 3; |
| final Integer loanId = createAccounts(daysToSubtract, numberOfRepayments, false, loanProductTestBuilder); |
| |
| GetLoansLoanIdResponse getLoansLoanIdResponse = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId); |
| assertNotNull(getLoansLoanIdResponse); |
| |
| loanTransactionHelper.printRepaymentSchedule(getLoansLoanIdResponse); |
| |
| final String baseAmount = "333.33"; |
| Float amount = Float.valueOf(baseAmount); |
| final LocalDate transactionDate = this.todaysDate.minusMonths(numberOfRepayments - 1).plusDays(3); |
| String operationDate = Utils.dateFormatter.format(transactionDate); |
| |
| PostLoansLoanIdTransactionsResponse loanIdTransactionsResponse = loanTransactionHelper.makeLoanRepayment(operationDate, amount, |
| loanId); |
| assertNotNull(loanIdTransactionsResponse); |
| final Long transactionId = loanIdTransactionsResponse.getResourceId(); |
| reviewLoanTransactionRelations(loanId, transactionId, 0, Double.valueOf("666.67")); |
| |
| getLoansLoanIdResponse = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId); |
| assertNotNull(getLoansLoanIdResponse); |
| |
| final Long chargebackTransactionId = loanTransactionHelper.applyChargebackTransaction(loanId, transactionId, amount.toString(), |
| 0, responseSpec); |
| reviewLoanTransactionRelations(loanId, transactionId, 1, Double.valueOf("666.67")); |
| reviewLoanTransactionRelations(loanId, chargebackTransactionId, 0, Double.valueOf("1000.00")); |
| |
| getLoansLoanIdResponse = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId); |
| assertNotNull(getLoansLoanIdResponse); |
| |
| loanTransactionHelper.validateLoanPrincipalOustandingBalance(getLoansLoanIdResponse, Double.valueOf(amountVal)); |
| |
| loanTransactionHelper.printRepaymentSchedule(getLoansLoanIdResponse); |
| GetLoansLoanIdRepaymentSchedule getLoanRepaymentSchedule = getLoansLoanIdResponse.getRepaymentSchedule(); |
| for (GetLoansLoanIdRepaymentPeriod period : getLoanRepaymentSchedule.getPeriods()) { |
| if (period.getPeriod() != null && period.getPeriod() == 3) { |
| log.info("Period number {} for due date {} and totalDueForPeriod {}", period.getPeriod(), period.getDueDate(), |
| period.getTotalDueForPeriod()); |
| assertEquals(Double.valueOf("666.67"), period.getTotalDueForPeriod()); |
| } |
| } |
| |
| loanTransactionHelper.evaluateLoanSummaryAdjustments(getLoansLoanIdResponse, Double.valueOf(baseAmount)); |
| DelinquencyBucketsHelper.evaluateLoanCollectionData(getLoansLoanIdResponse, 0, Double.valueOf("0.00")); |
| } finally { |
| final LocalDate todaysDate = Utils.getLocalDateOfTenant(); |
| BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, todaysDate); |
| GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.FALSE); |
| } |
| } |
| |
| @ParameterizedTest |
| @MethodSource("loanProductFactory") |
| public void applyLoanTransactionChargebackOverNoRepaymentType(LoanProductTestBuilder loanProductTestBuilder) { |
| // Client and Loan account creation |
| final Integer loanId = createAccounts(15, 1, false, loanProductTestBuilder); |
| |
| GetLoansLoanIdResponse getLoansLoanIdResponse = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId); |
| assertNotNull(getLoansLoanIdResponse); |
| |
| List<GetLoansLoanIdTransactions> loanTransactions = getLoansLoanIdResponse.getTransactions(); |
| assertNotNull(loanTransactions); |
| log.info("Loan Id {} with {} transactions", loanId, loanTransactions.size()); |
| assertEquals(2, loanTransactions.size()); |
| GetLoansLoanIdTransactions loanTransaction = loanTransactions.iterator().next(); |
| log.info("Try to apply the Charge back over transaction Id {} with type {}", loanTransaction.getId(), |
| loanTransaction.getType().getCode()); |
| |
| loanTransactionHelper.applyChargebackTransaction(loanId, loanTransaction.getId(), amountVal, 0, responseSpecErr503); |
| } |
| |
| @ParameterizedTest |
| @MethodSource("loanProductFactory") |
| public void applyLoanTransactionChargebackAfterMature(LoanProductTestBuilder loanProductTestBuilder) { |
| try { |
| GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.TRUE); |
| |
| final LocalDate todaysDate = Utils.getLocalDateOfTenant(); |
| BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, todaysDate); |
| log.info("Current Business date {}", todaysDate); |
| |
| // Client and Loan account creation |
| final Integer loanId = createAccounts(45, 1, false, loanProductTestBuilder); |
| |
| GetLoansLoanIdResponse getLoansLoanIdResponse = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId); |
| assertNotNull(getLoansLoanIdResponse); |
| |
| loanTransactionHelper.printRepaymentSchedule(getLoansLoanIdResponse); |
| |
| GetDelinquencyRangesResponse delinquencyRange = getLoansLoanIdResponse.getDelinquencyRange(); |
| assertNotNull(delinquencyRange); |
| log.info("Loan Delinquency Range is {}", delinquencyRange.getClassification()); |
| |
| GetLoansLoanIdRepaymentSchedule getLoanRepaymentSchedule = getLoansLoanIdResponse.getRepaymentSchedule(); |
| log.info("Loan with {} periods", getLoanRepaymentSchedule.getPeriods().size()); |
| assertEquals(2, getLoanRepaymentSchedule.getPeriods().size()); |
| |
| Float amount = Float.valueOf(amountVal); |
| PostLoansLoanIdTransactionsResponse loanIdTransactionsResponse = loanTransactionHelper.makeLoanRepayment(operationDate, amount, |
| loanId); |
| assertNotNull(loanIdTransactionsResponse); |
| final Long transactionId = loanIdTransactionsResponse.getResourceId(); |
| |
| getLoansLoanIdResponse = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId); |
| assertNotNull(getLoansLoanIdResponse); |
| loanTransactionHelper.validateLoanStatus(getLoansLoanIdResponse, "loanStatusType.closed.obligations.met"); |
| assertNotNull(getLoansLoanIdResponse.getTimeline()); |
| assertEquals(todaysDate, getLoansLoanIdResponse.getTimeline().getActualMaturityDate()); |
| |
| reviewLoanTransactionRelations(loanId, transactionId, 0, Double.valueOf("0.00")); |
| |
| Long chargebackTransactionId = loanTransactionHelper.applyChargebackTransaction(loanId, transactionId, "500.00", 0, |
| responseSpec); |
| |
| reviewLoanTransactionRelations(loanId, transactionId, 1, Double.valueOf("0.00")); |
| reviewLoanTransactionRelations(loanId, chargebackTransactionId, 0, Double.valueOf("500.00")); |
| |
| getLoansLoanIdResponse = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId); |
| assertNotNull(getLoansLoanIdResponse); |
| loanTransactionHelper.validateLoanStatus(getLoansLoanIdResponse, "loanStatusType.active"); |
| |
| loanTransactionHelper.validateLoanPrincipalOustandingBalance(getLoansLoanIdResponse, Double.valueOf("500.00")); |
| |
| assertNotNull(getLoansLoanIdResponse.getTimeline()); |
| assertEquals(getLoansLoanIdResponse.getTimeline().getExpectedMaturityDate(), |
| getLoansLoanIdResponse.getTimeline().getActualMaturityDate()); |
| |
| // N+1 Scenario |
| loanTransactionHelper.printRepaymentSchedule(getLoansLoanIdResponse); |
| getLoanRepaymentSchedule = getLoansLoanIdResponse.getRepaymentSchedule(); |
| log.info("Loan with {} periods", getLoanRepaymentSchedule.getPeriods().size()); |
| assertEquals(3, getLoanRepaymentSchedule.getPeriods().size()); |
| getLoanRepaymentSchedule = getLoansLoanIdResponse.getRepaymentSchedule(); |
| for (GetLoansLoanIdRepaymentPeriod period : getLoanRepaymentSchedule.getPeriods()) { |
| if (period.getPeriod() != null && period.getPeriod() == 2) { |
| log.info("Period number {} for due date {} and totalDueForPeriod {}", period.getPeriod(), period.getDueDate(), |
| period.getTotalDueForPeriod()); |
| assertEquals(Double.valueOf("500.00"), period.getPrincipalDue()); |
| } |
| } |
| |
| chargebackTransactionId = loanTransactionHelper.applyChargebackTransaction(loanId, transactionId, "300.00", 0, responseSpec); |
| |
| reviewLoanTransactionRelations(loanId, transactionId, 2, Double.valueOf("0.00")); |
| reviewLoanTransactionRelations(loanId, chargebackTransactionId, 0, Double.valueOf("800.00")); |
| |
| getLoansLoanIdResponse = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId); |
| assertNotNull(getLoansLoanIdResponse); |
| loanTransactionHelper.validateLoanStatus(getLoansLoanIdResponse, "loanStatusType.active"); |
| |
| delinquencyRange = getLoansLoanIdResponse.getDelinquencyRange(); |
| assertNull(delinquencyRange); |
| log.info("Loan Delinquency Range is null {}", (delinquencyRange == null)); |
| |
| loanTransactionHelper.validateLoanPrincipalOustandingBalance(getLoansLoanIdResponse, Double.valueOf("800.00")); |
| |
| // N+1 Scenario -- Remains the same periods number |
| loanTransactionHelper.printRepaymentSchedule(getLoansLoanIdResponse); |
| getLoanRepaymentSchedule = getLoansLoanIdResponse.getRepaymentSchedule(); |
| log.info("Loan with {} periods", getLoanRepaymentSchedule.getPeriods().size()); |
| assertEquals(3, getLoanRepaymentSchedule.getPeriods().size()); |
| getLoanRepaymentSchedule = getLoansLoanIdResponse.getRepaymentSchedule(); |
| for (GetLoansLoanIdRepaymentPeriod period : getLoanRepaymentSchedule.getPeriods()) { |
| if (period.getPeriod() != null && period.getPeriod() == 2) { |
| log.info("Period number {} for due date {} and totalDueForPeriod {}", period.getPeriod(), period.getDueDate(), |
| period.getTotalDueForPeriod()); |
| assertEquals(Double.valueOf("800.00"), period.getPrincipalDue()); |
| } |
| } |
| |
| // Move the Business date few days to get Collection data |
| LocalDate businessDate = todaysDate.plusDays(4); |
| BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, businessDate); |
| log.info("Current Business date {}", businessDate); |
| |
| // Get loan details expecting to have a delinquency classification |
| getLoansLoanIdResponse = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId); |
| DelinquencyBucketsHelper.evaluateLoanCollectionData(getLoansLoanIdResponse, 4, Double.valueOf("800.00")); |
| } finally { |
| GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.FALSE); |
| } |
| } |
| |
| @ParameterizedTest |
| @MethodSource("loanProductFactory") |
| public void applyLoanTransactionChargebackWithLoanOverpaidToLoanActive(LoanProductTestBuilder loanProductTestBuilder) { |
| // Client and Loan account creation |
| final Integer loanId = createAccounts(15, 1, true, loanProductTestBuilder); |
| |
| GetLoansLoanIdResponse getLoansLoanIdResponse = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId); |
| assertNotNull(getLoansLoanIdResponse); |
| |
| loanTransactionHelper.printRepaymentSchedule(getLoansLoanIdResponse); |
| |
| Float amount = Float.valueOf("1100.00"); |
| PostLoansLoanIdTransactionsResponse loanIdTransactionsResponse = loanTransactionHelper.makeLoanRepayment(operationDate, amount, |
| loanId); |
| assertNotNull(loanIdTransactionsResponse); |
| final Long transactionId = loanIdTransactionsResponse.getResourceId(); |
| |
| getLoansLoanIdResponse = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId); |
| assertNotNull(getLoansLoanIdResponse); |
| loanTransactionHelper.validateLoanStatus(getLoansLoanIdResponse, "loanStatusType.overpaid"); |
| |
| reviewLoanTransactionRelations(loanId, transactionId, 0, Double.valueOf("0.00")); |
| |
| final Long chargebackTransactionId = loanTransactionHelper.applyChargebackTransaction(loanId, transactionId, "200.00", 0, |
| responseSpec); |
| |
| reviewLoanTransactionRelations(loanId, transactionId, 1, Double.valueOf("0.00")); |
| reviewLoanTransactionRelations(loanId, chargebackTransactionId, 0, Double.valueOf("100.00")); |
| |
| getLoansLoanIdResponse = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId); |
| assertNotNull(getLoansLoanIdResponse); |
| loanTransactionHelper.validateLoanStatus(getLoansLoanIdResponse, "loanStatusType.active"); |
| |
| loanTransactionHelper.validateLoanPrincipalOustandingBalance(getLoansLoanIdResponse, Double.valueOf("100.00")); |
| |
| assertNotNull(getLoansLoanIdResponse.getTimeline()); |
| assertEquals(getLoansLoanIdResponse.getTimeline().getExpectedMaturityDate(), |
| getLoansLoanIdResponse.getTimeline().getActualMaturityDate()); |
| |
| verifyTRJournalEntries(chargebackTransactionId, // |
| credit(fundSource, 200.0), // |
| debit(loansReceivableAccount, 100.0), // |
| debit(overpaymentAccount, 100.0) // |
| ); |
| |
| final GetDelinquencyRangesResponse delinquencyRange = getLoansLoanIdResponse.getDelinquencyRange(); |
| assertNull(delinquencyRange); |
| log.info("Loan Delinquency Range is null {}", (delinquencyRange == null)); |
| } |
| |
| @ParameterizedTest |
| @MethodSource("loanProductFactory") |
| public void applyLoanTransactionChargebackWithLoanOverpaidToLoanClose(LoanProductTestBuilder loanProductTestBuilder) { |
| // Client and Loan account creation |
| final Integer loanId = createAccounts(15, 1, false, loanProductTestBuilder); |
| |
| GetLoansLoanIdResponse getLoansLoanIdResponse = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId); |
| assertNotNull(getLoansLoanIdResponse); |
| |
| loanTransactionHelper.printRepaymentSchedule(getLoansLoanIdResponse); |
| |
| Float amount = Float.valueOf("1100.00"); |
| PostLoansLoanIdTransactionsResponse loanIdTransactionsResponse = loanTransactionHelper.makeLoanRepayment(operationDate, amount, |
| loanId); |
| assertNotNull(loanIdTransactionsResponse); |
| final Long transactionId = loanIdTransactionsResponse.getResourceId(); |
| |
| getLoansLoanIdResponse = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId); |
| assertNotNull(getLoansLoanIdResponse); |
| loanTransactionHelper.validateLoanStatus(getLoansLoanIdResponse, "loanStatusType.overpaid"); |
| |
| reviewLoanTransactionRelations(loanId, transactionId, 0, Double.valueOf("0.00")); |
| |
| final Long chargebackTransactionId = loanTransactionHelper.applyChargebackTransaction(loanId, transactionId, "100.00", 0, |
| responseSpec); |
| |
| reviewLoanTransactionRelations(loanId, transactionId, 1, Double.valueOf("0.00")); |
| reviewLoanTransactionRelations(loanId, chargebackTransactionId, 0, Double.valueOf("0.00")); |
| |
| getLoansLoanIdResponse = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId); |
| assertNotNull(getLoansLoanIdResponse); |
| loanTransactionHelper.validateLoanStatus(getLoansLoanIdResponse, "loanStatusType.closed.obligations.met"); |
| |
| loanTransactionHelper.validateLoanPrincipalOustandingBalance(getLoansLoanIdResponse, Double.valueOf("0.00")); |
| } |
| |
| @ParameterizedTest |
| @MethodSource("loanProductFactory") |
| public void applyLoanTransactionChargebackWithLoanOverpaidToKeepAsLoanOverpaid(LoanProductTestBuilder loanProductTestBuilder) { |
| // Client and Loan account creation |
| final Integer loanId = createAccounts(15, 1, true, loanProductTestBuilder); |
| |
| GetLoansLoanIdResponse getLoansLoanIdResponse = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId); |
| assertNotNull(getLoansLoanIdResponse); |
| |
| loanTransactionHelper.printRepaymentSchedule(getLoansLoanIdResponse); |
| |
| Float amount = Float.valueOf("1100.00"); |
| PostLoansLoanIdTransactionsResponse loanIdTransactionsResponse = loanTransactionHelper.makeLoanRepayment(operationDate, amount, |
| loanId); |
| assertNotNull(loanIdTransactionsResponse); |
| final Long transactionId = loanIdTransactionsResponse.getResourceId(); |
| |
| getLoansLoanIdResponse = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId); |
| assertNotNull(getLoansLoanIdResponse); |
| loanTransactionHelper.validateLoanStatus(getLoansLoanIdResponse, "loanStatusType.overpaid"); |
| |
| reviewLoanTransactionRelations(loanId, transactionId, 0, Double.valueOf("0.00")); |
| |
| GetDelinquencyRangesResponse delinquencyRange = getLoansLoanIdResponse.getDelinquencyRange(); |
| assertNull(delinquencyRange); |
| log.info("Loan Delinquency Range is null {}", (delinquencyRange == null)); |
| final Long chargebackTransactionId = loanTransactionHelper.applyChargebackTransaction(loanId, transactionId, "50.00", 0, |
| responseSpec); |
| reviewLoanTransactionRelations(loanId, transactionId, 1, Double.valueOf("0.00")); |
| reviewLoanTransactionRelations(loanId, chargebackTransactionId, 0, Double.valueOf("0.00")); |
| |
| getLoansLoanIdResponse = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId); |
| assertNotNull(getLoansLoanIdResponse); |
| loanTransactionHelper.validateLoanStatus(getLoansLoanIdResponse, "loanStatusType.overpaid"); |
| |
| delinquencyRange = getLoansLoanIdResponse.getDelinquencyRange(); |
| assertNull(delinquencyRange); |
| log.info("Loan Delinquency Range is null {}", (delinquencyRange == null)); |
| |
| loanTransactionHelper.validateLoanPrincipalOustandingBalance(getLoansLoanIdResponse, Double.valueOf("0.00")); |
| |
| verifyTRJournalEntries(chargebackTransactionId, // |
| credit(fundSource, 50.0), // |
| debit(overpaymentAccount, 50.0) // |
| ); |
| } |
| |
| @ParameterizedTest |
| @MethodSource("loanProductFactory") |
| public void applyMultipleLoanTransactionChargeback(LoanProductTestBuilder loanProductTestBuilder) { |
| try { |
| GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.TRUE); |
| final LocalDate todaysDate = Utils.getLocalDateOfTenant(); |
| BusinessDateHelper.updateBusinessDate(requestSpec, responseSpec, BusinessDateType.BUSINESS_DATE, todaysDate); |
| log.info("Current Business date {}", todaysDate); |
| |
| // Client and Loan account creation |
| final Integer loanId = createAccounts(15, 1, false, loanProductTestBuilder); |
| |
| GetLoansLoanIdResponse getLoansLoanIdResponse = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId); |
| assertNotNull(getLoansLoanIdResponse); |
| |
| loanTransactionHelper.printRepaymentSchedule(getLoansLoanIdResponse); |
| |
| Float amount = Float.valueOf(amountVal); |
| PostLoansLoanIdTransactionsResponse loanIdTransactionsResponse = loanTransactionHelper.makeLoanRepayment(operationDate, amount, |
| loanId); |
| assertNotNull(loanIdTransactionsResponse); |
| final Long transactionId = loanIdTransactionsResponse.getResourceId(); |
| |
| getLoansLoanIdResponse = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId); |
| assertNotNull(getLoansLoanIdResponse); |
| loanTransactionHelper.validateLoanStatus(getLoansLoanIdResponse, "loanStatusType.closed.obligations.met"); |
| |
| // First round, empty array |
| reviewLoanTransactionRelations(loanId, transactionId, 0, Double.valueOf("0.00")); |
| |
| loanTransactionHelper.applyChargebackTransaction(loanId, transactionId, "200.00", 0, responseSpec); |
| |
| Double expectedAmount = Double.valueOf("200.00"); |
| getLoansLoanIdResponse = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId); |
| loanTransactionHelper.validateLoanPrincipalOustandingBalance(getLoansLoanIdResponse, expectedAmount); |
| |
| loanTransactionHelper.evaluateLoanSummaryAdjustments(getLoansLoanIdResponse, expectedAmount); |
| loanTransactionHelper.printDelinquencyData(getLoansLoanIdResponse); |
| DelinquencyBucketsHelper.evaluateLoanCollectionData(getLoansLoanIdResponse, 0, Double.valueOf("0.00")); |
| |
| // Second round, array size equal to 1 |
| reviewLoanTransactionRelations(loanId, transactionId, 1, Double.valueOf("0.00")); |
| |
| loanTransactionHelper.applyChargebackTransaction(loanId, transactionId, "300.00", 1, responseSpec); |
| |
| expectedAmount = Double.valueOf("500.00"); |
| getLoansLoanIdResponse = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId); |
| loanTransactionHelper.validateLoanPrincipalOustandingBalance(getLoansLoanIdResponse, expectedAmount); |
| |
| loanTransactionHelper.evaluateLoanSummaryAdjustments(getLoansLoanIdResponse, expectedAmount); |
| DelinquencyBucketsHelper.evaluateLoanCollectionData(getLoansLoanIdResponse, 0, Double.valueOf("0.00")); |
| |
| // Third round, array size equal to 2 |
| reviewLoanTransactionRelations(loanId, transactionId, 2, Double.valueOf("0.00")); |
| |
| loanTransactionHelper.applyChargebackTransaction(loanId, transactionId, "500.00", 0, responseSpec); |
| |
| expectedAmount = Double.valueOf("1000.00"); |
| getLoansLoanIdResponse = loanTransactionHelper.getLoan(requestSpec, responseSpec, loanId); |
| loanTransactionHelper.validateLoanPrincipalOustandingBalance(getLoansLoanIdResponse, expectedAmount); |
| |
| loanTransactionHelper.evaluateLoanSummaryAdjustments(getLoansLoanIdResponse, expectedAmount); |
| loanTransactionHelper.printRepaymentSchedule(getLoansLoanIdResponse); |
| |
| DelinquencyBucketsHelper.evaluateLoanCollectionData(getLoansLoanIdResponse, 0, Double.valueOf("0.00")); |
| } finally { |
| GlobalConfigurationHelper.updateIsBusinessDateEnabled(requestSpec, responseSpec, Boolean.FALSE); |
| } |
| } |
| |
| private Integer createAccounts(final Integer daysToSubtract, final Integer numberOfRepayments, final boolean withJournalEntries, |
| LoanProductTestBuilder loanProductTestBuilder) { |
| // Delinquency Bucket |
| final Integer delinquencyBucketId = DelinquencyBucketsHelper.createDelinquencyBucket(requestSpec, responseSpec); |
| final GetDelinquencyBucketsResponse delinquencyBucket = DelinquencyBucketsHelper.getDelinquencyBucket(requestSpec, responseSpec, |
| delinquencyBucketId); |
| |
| // Client and Loan account creation |
| final Integer clientId = ClientHelper.createClient(this.requestSpec, this.responseSpec, "01 January 2012"); |
| final GetLoanProductsProductIdResponse getLoanProductsProductResponse = createLoanProduct(loanTransactionHelper, |
| delinquencyBucketId, withJournalEntries, loanProductTestBuilder); |
| assertNotNull(getLoanProductsProductResponse); |
| log.info("Loan Product Bucket Name: {}", getLoanProductsProductResponse.getDelinquencyBucket().getName()); |
| assertEquals(getLoanProductsProductResponse.getDelinquencyBucket().getName(), delinquencyBucket.getName()); |
| |
| // Older date to have more than one overdue installment |
| final LocalDate transactionDate = this.todaysDate.minusDays(daysToSubtract + (30 * (numberOfRepayments - 1))); |
| String operationDate = Utils.dateFormatter.format(transactionDate); |
| |
| return createLoanAccount(loanTransactionHelper, clientId.toString(), getLoanProductsProductResponse.getId().toString(), |
| operationDate, amountVal, numberOfRepayments.toString(), loanProductTestBuilder.getTransactionProcessingStrategyCode()); |
| } |
| |
| private GetLoanProductsProductIdResponse createLoanProduct(final LoanTransactionHelper loanTransactionHelper, |
| final Integer delinquencyBucketId, final boolean withJournalEntries, LoanProductTestBuilder loanProductTestBuilder) { |
| final HashMap<String, Object> loanProductMap; |
| if (withJournalEntries) { |
| loanProductMap = loanProductTestBuilder |
| .withFullAccountingConfig(ACCRUAL_PERIODIC, |
| LoanProductTestBuilder.FullAccountingConfig.builder().fundSourceAccountId(fundSource.getAccountID().longValue())// |
| .loanPortfolioAccountId(loansReceivableAccount.getAccountID().longValue())// |
| .transfersInSuspenseAccountId(suspenseAccount.getAccountID().longValue())// |
| .interestOnLoanAccountId(interestIncomeAccount.getAccountID().longValue())// |
| .incomeFromFeeAccountId(feeIncomeAccount.getAccountID().longValue())// |
| .incomeFromPenaltyAccountId(penaltyIncomeAccount.getAccountID().longValue())// |
| .incomeFromRecoveryAccountId(recoveriesAccount.getAccountID().longValue())// |
| .writeOffAccountId(writtenOffAccount.getAccountID().longValue())// |
| .overpaymentLiabilityAccountId(overpaymentAccount.getAccountID().longValue())// |
| .receivableInterestAccountId(interestReceivableAccount.getAccountID().longValue())// |
| .receivableFeeAccountId(interestReceivableAccount.getAccountID().longValue())// |
| .receivablePenaltyAccountId(interestReceivableAccount.getAccountID().longValue()).build()) |
| .build(null, delinquencyBucketId); |
| } else { |
| loanProductMap = loanProductTestBuilder.build(null, delinquencyBucketId); |
| } |
| final Integer loanProductId = loanTransactionHelper.getLoanProductId(Utils.convertToJson(loanProductMap)); |
| return loanTransactionHelper.getLoanProduct(loanProductId); |
| } |
| |
| private Integer createLoanAccount(final LoanTransactionHelper loanTransactionHelper, final String clientId, final String loanProductId, |
| final String operationDate, final String principalAmount, final String numberOfRepayments, final String repaymentStrategy) { |
| final String loanApplicationJSON = new LoanApplicationTestBuilder().withPrincipal(principalAmount) |
| .withLoanTermFrequency(numberOfRepayments).withLoanTermFrequencyAsMonths().withNumberOfRepayments(numberOfRepayments) |
| .withRepaymentEveryAfter("1").withRepaymentFrequencyTypeAsMonths() // |
| .withInterestRatePerPeriod("0") // |
| .withExpectedDisbursementDate(operationDate) // |
| .withInterestTypeAsDecliningBalance() // |
| .withSubmittedOnDate(operationDate) // |
| .withRepaymentStrategy(repaymentStrategy) // |
| .build(clientId, loanProductId, null); |
| final Integer loanId = loanTransactionHelper.getLoanId(loanApplicationJSON); |
| loanTransactionHelper.approveLoan(operationDate, principalAmount, loanId, null); |
| loanTransactionHelper.disburseLoanWithNetDisbursalAmount(operationDate, loanId, principalAmount); |
| return loanId; |
| } |
| |
| private void reviewLoanTransactionRelations(final Integer loanId, final Long transactionId, final Integer expectedSize, |
| final Double outstandingBalance) { |
| log.info("Loan Transaction Id: {} {}", loanId, transactionId); |
| |
| GetLoansLoanIdTransactionsTransactionIdResponse getLoansTransactionResponse = loanTransactionHelper.getLoanTransaction(loanId, |
| transactionId.intValue()); |
| log.info("Loan with {} Chargeback Transactions and balance {}", getLoansTransactionResponse.getTransactionRelations().size(), |
| getLoansTransactionResponse.getOutstandingLoanBalance()); |
| assertNotNull(getLoansTransactionResponse); |
| assertNotNull(getLoansTransactionResponse.getTransactionRelations()); |
| assertEquals(expectedSize, getLoansTransactionResponse.getTransactionRelations().size()); |
| // Outstanding amount |
| assertEquals(outstandingBalance, getLoansTransactionResponse.getOutstandingLoanBalance()); |
| } |
| |
| private static AdvancedPaymentData createRepaymentPaymentAllocation() { |
| AdvancedPaymentData advancedPaymentData = new AdvancedPaymentData(); |
| advancedPaymentData.setTransactionType("REPAYMENT"); |
| advancedPaymentData.setFutureInstallmentAllocationRule("NEXT_INSTALLMENT"); |
| |
| List<PaymentAllocationOrder> paymentAllocationOrders = getPaymentAllocationOrder(PaymentAllocationType.PAST_DUE_PENALTY, |
| PaymentAllocationType.PAST_DUE_FEE, PaymentAllocationType.PAST_DUE_INTEREST, PaymentAllocationType.PAST_DUE_PRINCIPAL, |
| PaymentAllocationType.DUE_PENALTY, PaymentAllocationType.DUE_FEE, PaymentAllocationType.DUE_INTEREST, |
| PaymentAllocationType.DUE_PRINCIPAL, PaymentAllocationType.IN_ADVANCE_PENALTY, PaymentAllocationType.IN_ADVANCE_FEE, |
| PaymentAllocationType.IN_ADVANCE_PRINCIPAL, PaymentAllocationType.IN_ADVANCE_INTEREST); |
| |
| advancedPaymentData.setPaymentAllocationOrder(paymentAllocationOrders); |
| return advancedPaymentData; |
| } |
| |
| private static AdvancedPaymentData createDefaultPaymentAllocation() { |
| 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_PENALTY, PaymentAllocationType.DUE_FEE, PaymentAllocationType.DUE_PRINCIPAL, |
| PaymentAllocationType.DUE_INTEREST, PaymentAllocationType.IN_ADVANCE_PENALTY, PaymentAllocationType.IN_ADVANCE_FEE, |
| PaymentAllocationType.IN_ADVANCE_PRINCIPAL, PaymentAllocationType.IN_ADVANCE_INTEREST); |
| |
| advancedPaymentData.setPaymentAllocationOrder(paymentAllocationOrders); |
| return advancedPaymentData; |
| } |
| |
| private static List<PaymentAllocationOrder> getPaymentAllocationOrder(PaymentAllocationType... paymentAllocationTypes) { |
| AtomicInteger integer = new AtomicInteger(1); |
| return Arrays.stream(paymentAllocationTypes).map(pat -> { |
| PaymentAllocationOrder paymentAllocationOrder = new PaymentAllocationOrder(); |
| paymentAllocationOrder.setPaymentAllocationRule(pat.name()); |
| paymentAllocationOrder.setOrder(integer.getAndIncrement()); |
| return paymentAllocationOrder; |
| }).toList(); |
| } |
| |
| private static Stream<Arguments> loanProductFactory() { |
| return Stream.of(Arguments.of(Named.of("DEFAULT_STRATEGY", new LoanProductTestBuilder().withRepaymentStrategy(DEFAULT_STRATEGY))), |
| Arguments.of(Named.of("ADVANCED_PAYMENT_ALLOCATION_STRATEGY", |
| new LoanProductTestBuilder().withRepaymentStrategy(ADVANCED_PAYMENT_ALLOCATION_STRATEGY) |
| .withLoanScheduleType(LoanScheduleType.PROGRESSIVE) |
| .addAdvancedPaymentAllocation(createDefaultPaymentAllocation(), createRepaymentPaymentAllocation())))); |
| } |
| |
| } |
