holiday_list = getHolidayList(); $this->payment_frequency = Config::get('constants.payment_frequency_offer'); } public function paymentReconcile($data){ $payment_type = $data['payment_type'] ?? "credit"; $amount = $this->getParsedReceivedAmount($data); $payment_date = $data['payment_date']; $mode = $data['mode']; $paid_by = $data['paid_by']; $collected_by = $data['collected_by']; $collected_by_type = $data['collected_by_type'] ?? 1; $application_id = $data['application_id']; $trasanction_id = $data['trasanction_id']; $online_payment_id = $data['online_payment_id']; $trasanction_acknowledgement = $data['trasanction_acknowledgement']; $payment_status = $data['status'] ?? "success"; $payment_reconciliation_date = $data['payment_reconciliation_date'] ?? $payment_date; $wallet_name = $data['wallet_name']; $bank_id = $data['bank_id'] ?? ""; $application = ConsumerApplication::where('id', $application_id)->first(['id','name', 'lender_id', 'secondary_status']); $data['cf_transaction_id'] = $application->id.strtoupper(substr($application->name, 0, 2)).time(); $adjust_with_disbursement = $data['adjust_with_disbursement'] ?? 0; $communicationData = []; $amount_received = $amount; if($payment_type == 'pre_payment'){ $this->reconcilePrePayment($data); $amount_received = 0; } if(in_array(strtolower($payment_type), ['collection_charges']) && isset($data['go_maker_check'])){ unset($data['go_maker_check']); } try { $PTPId = $this->PTPUpdate($data['application_id'], $data['payment_date']); if ($PTPId) { $data['ptp_id'] = $PTPId; } }catch (\Exception $e){ } if (isset($data['go_maker_check'])) { return PaymentMakerChecker::pendingReconcile(['application_id' => $data['application_id'], 'payment_type' => $payment_type, 'data' => json_encode($data), 'maker_id' => Auth::user()->id, 'checker_id' => 0, 'type' => 'payment', 'status' => 1, 'created_at' => Carbon::now()->toDateTimeString(), 'is_pre_part_payment' => $data['is_pre_part_payment'], 'pre_part_payment_type' => $data['pre_part_payment_type'] ?? 0]); } if($amount_received > 0 && ((strtolower($payment_type)) == "processing_fee" || (strtolower($payment_type)) == "collection_charges" || (strtolower($payment_type)) == "insurance_fee" || (strtolower($payment_type)) == "advance_amount" || (strtolower($payment_type)) == "cancellation_charges" || (strtolower($payment_type)) == "legal_charges" || (strtolower($payment_type)) == "write-off" || (strtolower($payment_type)) == "security_deposit")){ $payment_transaction_pf = PaymentTransaction::where('application_id', $application_id)->where('payment_for', $payment_type)->where('amount', $amount_received)->whereNull('deleted_at')->first(['id']); if(isset($payment_transaction_pf->id)){ return true; } $payment_transaction = new PaymentTransaction(); $payment_transaction->emi_payment_id = 0; $payment_transaction->amount = $amount_received; $payment_transaction->mode = $mode; $payment_transaction->paid_by = $paid_by; $payment_transaction->payment_reconciliation_date = $payment_reconciliation_date; $payment_transaction->umrn = isset($data['umrn']) ? $data['umrn'] : ''; $payment_transaction->collected_by = $collected_by; $payment_transaction->collected_by_type = $collected_by_type; $payment_transaction->adjust_with_disbursement = $adjust_with_disbursement; $payment_transaction->wallet_name = $wallet_name; $payment_transaction->reason = isset($data['reason']) ? $data['reason'] : ''; $payment_transaction->trasanction_id = $trasanction_id; $payment_transaction->trasanction_acknowledgement = $trasanction_acknowledgement; $payment_transaction->application_id = $application_id; $payment_transaction->payment_for = $payment_type; $payment_transaction->payment_date = Carbon::parse($payment_date)->format('Y-m-d'); $payment_transaction->cf_transaction_id = $data['cf_transaction_id']; $payment_transaction->bank_id = $bank_id; $payment_transaction->status = isset($data['status']) ? $data['status'] : 'success'; $payment_transaction->save(); $amount_received = 0; if((strtolower($payment_type)) == "write-off" || (strtolower($payment_type) == 'security_deposit')){ return 0; } $this->sendPaymentMessage($application_id, $data, $payment_status, strtolower($payment_type)); } if((strtolower($payment_type)) == "settlement_payment"){ $repayment = new RepaymentController(); $umrn = $data['umrn'] ?? ''; $reason = $data['reason'] ?? ''; $status = $data['status'] ?? 'success'; $data_update = [ 'application_id' => $application_id, 'amount' => (int)$amount_received, 'payment_date' => $payment_date, 'type' => 'settlement_payment', 'mode' => $mode, 'trasanction_id' => $trasanction_id, 'cf_transaction_id' => $data['cf_transaction_id'], 'payment_reconciliation_date' => $payment_reconciliation_date, 'payment_for' => $payment_type, 'payment_mode' => $mode, 'paid_by' => !empty($paid_by) ? $paid_by : 0, 'collected_by' => $collected_by, 'collected_by_type' => $collected_by_type, 'online_payment_id' => $online_payment_id, 'trasanction_acknowledgement' => $trasanction_acknowledgement, 'payment_status' => $payment_status, 'wallet_name' => $wallet_name, 'bank_id' => $bank_id, 'reason' => $reason, 'umrn' => $umrn, 'status' => $status, 'secondary_status' => $application->secondary_status, 'adjust_with_disbursement' => $adjust_with_disbursement, 'is_verify' => isset($data['is_verify']) ? $data['is_verify'] : 0 ]; if($data_update['is_verify']){ if (!$this->isSettlementAmountFulfilled($application_id, $amount_received, $data_update)) { return 0; } ParkedTransaction::where('application_id', $application_id) ->where('reconciliation_status', 'parked') ->update(['reconciliation_status' => 'reconciled']); $response = $repayment->callReconcileApi($application_id, $data_update); // if($response && isset($response['status']) && $response['status'] == 'Success'){ // $this->getReconciliationDetails($response, $data); return $response; // }else{ // return 1; // } } } $foreclosuredate = $data['fore_closure_date'] ?? ""; if($foreclosuredate != "" && $foreclosuredate != 0){ ConsumerApplicationElement::where('application_id',$application_id)->update(['foreclosure_date'=>$foreclosuredate, 'emi_pending' => 0]); $data['advance_amount'] = $amount_received; $this->updateAdvanceAmount($data, "Foreclosure", $application_id); $amount_received = 0; } //$rps_exist = RPS_Logs::where('application_id', (int)$data['application_id'])->where('bpi_interest','>',0)->exists(); if($amount_received > 0) { $rps_exist = RPS_Logs::where('application_id', (int)$data['application_id'])->exists(); if ($rps_exist && strtolower($payment_type) != 'total_fee') { if (in_array(strtolower($payment_type), ['emi', 'pre-emi', 'pre_emi_amount', 'credit'])) { $umrn = $data['umrn'] ?? ''; $reason = $data['reason'] ?? ''; $status = $data['status'] ?? 'success'; $_data = [ 'amount' => (int)$amount_received, 'payment_date' => Carbon::parse($payment_date)->format('d-m-Y'), 'payment_for' => $payment_type, 'payment_mode' => $mode, 'paid_by' => $paid_by, 'collected_by' => $collected_by, 'collected_by_type' => $collected_by_type, 'trasanction_id' => $trasanction_id, 'online_payment_id' => $online_payment_id, 'trasanction_acknowledgement' => $trasanction_acknowledgement, 'payment_status' => $payment_status, 'payment_reconciliation_date' => Carbon::parse($payment_reconciliation_date)->format('d-m-Y'), 'wallet_name' => $wallet_name, 'bank_id' => $bank_id, 'cf_transaction_id' => $data['cf_transaction_id'], 'reason' => $reason, 'umrn' => $umrn, 'status' => $status, 'adjust_with_disbursement' => $adjust_with_disbursement, ]; (new RepaymentController())->reconcilePayment($data['application_id'], $_data); if ($this->reconcileWithProcessingFee) { $this->reconcileWithProcessingFee($data); } $amount = 0; $communicationData = ['application_id' => $application_id, 'data' => $data, 'payment_status' => $payment_status, 'payment_type' => strtolower($payment_type)]; // return 'true'; } elseif ($data['amount'] > 0) { if ($this->reconcileWithProcessingFee) { $this->reconcileWithProcessingFee($data); } $communicationData = ['application_id' => $application_id, 'data' => $data, 'payment_status' => $payment_status, 'payment_type' => strtolower($payment_type)]; } return array('application' => $application, 'cf_transaction_id' => $data['cf_transaction_id'], 'communicationData' => $communicationData); } } $this->paymentCalculate($data['application_id']); $statusLogs = []; // $amount = $this->getParsedReceivedAmount($data); $amount_setteled = 0; // $payment_date = $data['payment_date']; $payment_status = ($payment_status == "pending") ? "pending_from_bank" : $payment_status; if($amount_received > 0 && (strtolower($payment_type)) == "refund"){ $payment_transaction = new PaymentTransaction(); $payment_transaction->emi_payment_id = 0; $payment_transaction->amount = $amount_received; $payment_transaction->mode = $mode; $payment_transaction->paid_by = $paid_by; $payment_transaction->payment_reconciliation_date = $payment_reconciliation_date; $payment_transaction->umrn = isset($data['umrn']) ? $data['umrn'] : ''; $payment_transaction->collected_by = $collected_by; $payment_transaction->collected_by_type = $collected_by_type; $payment_transaction->adjust_with_disbursement = $adjust_with_disbursement; $payment_transaction->wallet_name = $wallet_name; $payment_transaction->reason = isset($data['reason']) ? $data['reason'] : ''; $payment_transaction->trasanction_id = $trasanction_id; $payment_transaction->trasanction_acknowledgement = $trasanction_acknowledgement; $payment_transaction->application_id = $application_id; $payment_transaction->payment_for = $payment_type; $payment_transaction->payment_date = Carbon::parse($payment_date)->format('Y-m-d');; $payment_transaction->cf_transaction_id = $data['cf_transaction_id']; $payment_transaction->bank_id = $bank_id; $payment_transaction->status = isset($data['status']) ? $data['status'] : 'success'; $payment_transaction->save(); $amount_received = 0; } if($amount_received > 0 && (strtolower($payment_type)) == "pre_emi_amount"){ if((new RepaymentController())->isBPIReceived($application_id, 'bpi')) { $payment_transaction = new PaymentTransaction(); $payment_transaction->emi_payment_id = 0; $payment_transaction->amount = $amount_received; $payment_transaction->mode = $mode; $payment_transaction->paid_by = $paid_by; $payment_transaction->payment_reconciliation_date = $payment_reconciliation_date; $payment_transaction->umrn = isset($data['umrn']) ? $data['umrn'] : ''; $payment_transaction->collected_by = $collected_by; $payment_transaction->collected_by_type = $collected_by_type; $payment_transaction->adjust_with_disbursement = $adjust_with_disbursement; $payment_transaction->wallet_name = $wallet_name; $payment_transaction->reason = isset($data['reason']) ? $data['reason'] : ''; $payment_transaction->trasanction_id = $trasanction_id; $payment_transaction->trasanction_acknowledgement = $trasanction_acknowledgement; $payment_transaction->application_id = $application_id; $payment_transaction->payment_for = 'Pre-EMI'; $payment_transaction->payment_date = Carbon::parse($payment_date)->format('Y-m-d');; $payment_transaction->cf_transaction_id = $data['cf_transaction_id']; $payment_transaction->bank_id = $bank_id; $payment_transaction->status = isset($data['status']) ? $data['status'] : 'success'; $payment_transaction->save(); $amount_received = 0; }else{ // If BPI received then reconcile as EMI $payment_type = 'credit'; } } if($amount_received > 0 && ((strtolower($payment_type)) == "processing_fee" || (strtolower($payment_type)) == "collection_charges" || (strtolower($payment_type)) == "insurance_fee" || (strtolower($payment_type)) == "advance_amount" || (strtolower($payment_type)) == "cancellation_charges" || (strtolower($payment_type)) == "legal_charges" || (strtolower($payment_type)) == "write-off")){ $payment_transaction = new PaymentTransaction(); $payment_transaction->emi_payment_id = 0; $payment_transaction->amount = $amount_received; $payment_transaction->mode = $mode; $payment_transaction->paid_by = $paid_by; $payment_transaction->payment_reconciliation_date = $payment_reconciliation_date; $payment_transaction->umrn = isset($data['umrn']) ? $data['umrn'] : ''; $payment_transaction->collected_by = $collected_by; $payment_transaction->collected_by_type = $collected_by_type; $payment_transaction->adjust_with_disbursement = $adjust_with_disbursement; $payment_transaction->wallet_name = $wallet_name; $payment_transaction->reason = isset($data['reason']) ? $data['reason'] : ''; $payment_transaction->trasanction_id = $trasanction_id; $payment_transaction->trasanction_acknowledgement = $trasanction_acknowledgement; $payment_transaction->application_id = $application_id; $payment_transaction->payment_for = $payment_type; $payment_transaction->payment_date = Carbon::parse($payment_date)->format('Y-m-d');; $payment_transaction->cf_transaction_id = $data['cf_transaction_id']; $payment_transaction->bank_id = $bank_id; $payment_transaction->status = isset($data['status']) ? $data['status'] : 'success'; $payment_transaction->save(); $amount_received = 0; if((strtolower($payment_type)) == "write-off"){ return 0; } } if ((strtolower($payment_type)) == "total_fee") { $frontController = new FrontController(); $paymentDetails = $frontController->getFeesData($application_id, true); foreach ($paymentDetails as $payment_type => $details) { if ($amount_received - $details['amount'] >= 0) { $payment_transaction = new PaymentTransaction(); $payment_transaction->emi_payment_id = 0; $payment_transaction->amount = $details['amount']; $payment_transaction->mode = $mode; $payment_transaction->paid_by = $paid_by; $payment_transaction->payment_reconciliation_date = $payment_reconciliation_date; $payment_transaction->umrn = isset($data['umrn']) ? $data['umrn'] : ''; $payment_transaction->collected_by = $collected_by; $payment_transaction->collected_by_type = $collected_by_type; $payment_transaction->adjust_with_disbursement = $adjust_with_disbursement; $payment_transaction->wallet_name = $wallet_name; $payment_transaction->reason = isset($data['reason']) ? $data['reason'] : ''; $payment_transaction->trasanction_id = $trasanction_id; $payment_transaction->trasanction_acknowledgement = $trasanction_acknowledgement; $payment_transaction->application_id = $application_id; $payment_transaction->payment_for = $details['purpose']; $payment_transaction->payment_date = Carbon::parse($payment_date)->format('Y-m-d');; $payment_transaction->cf_transaction_id = $data['cf_transaction_id']; $payment_transaction->bank_id = $bank_id; $payment_transaction->status = isset($data['status']) ? $data['status'] : 'success'; $payment_transaction->save(); $amount_received -= $details['amount']; } else { $cwFactory = new CloudWatchLoggerFactory(); $cwFactory->logger(json_encode(['message' => 'Total Fee Reconcile', 'Total Amount' => $amount, 'remaining_amount' => $amount_received, 'pending' => ['purpose' => $details['purpose'], 'amount' => $details['amount']]])); return array(); } } $this->sendPaymentMessage($application_id, $data, $payment_status, 'total_fee'); } $is_payment_recalculate = (date('Y-m-d') != $payment_date) ? 1 : 0; if (isset($data['advance_amount']) && $data['advance_amount'] > 0 && $foreclosuredate == "" && $foreclosuredate == 0) { $this->updateAdvanceAmount($data, "Advance Payment", $application_id); } //$check_date = date('Y-m-d',(strtotime ( '-11 day' , strtotime ( $payment_date ) ) )); $check_date = date('Y-m-d',(strtotime ( '-4 day' , strtotime ( $payment_date ) ) )); //$check_date = date('Y-m-d',(strtotime ( '30 day' , strtotime ( $payment_date ) ) )); if($amount_received < 1){ if((strtolower($payment_type)) == "processing_fee" || (strtolower($payment_type)) == "advance_amount"){ $this->isAllRepaymentReceived($application_id); } return $application; } /*if($amount_received) { $emiPaymentPreMonth = EmiPayment::where('application_id', $application_id)->where('payment_date','<', Carbon::now()->startOfMonth()->toDateTimeString())->whereNotIn('payment_status', ['success'])->first(['id','emi_date']); if(!isset($emiPaymentPreMonth->id)) { $emiPaymentCurrMonth = EmiPayment::where('application_id', $application_id)->where('payment_date', '>=', Carbon::now()->startOfMonth()->toDateTimeString())->where('payment_date', '<=', Carbon::now()->endOfMonth()->toDateTimeString())->whereNotIn('payment_status', ['success'])->first(['id', 'emi_date']); if (isset($emiPaymentCurrMonth->id) && $check_date >= $emiPaymentCurrMonth->emi_date) { $reconciledData = $this->reconcileCurrentMonth($payment_date, $payment_reconciliation_date, $payment_status, $amount_received, ['mode' => $mode, 'paid_by' => $paid_by, 'collected_by' => $collected_by, 'collected_by_type' => $collected_by_type, 'adjust_with_disbursement' => $adjust_with_disbursement, 'wallet_name' => $wallet_name, 'trasanction_id' => $trasanction_id, 'trasanction_acknowledgement' => $trasanction_acknowledgement, 'bank_id' => $bank_id, 'application_id' => $application_id], $data); if ($reconciledData) { $amount_received = $reconciledData['amount_received']; $statusLogs[] = $reconciledData['statusLogs']; } } } }*/ $application = ConsumerApplication::with('application_element','emi_payment.transaction')->where('id',$application_id)->first(); if($application && isset($application->application_element->total_amount_due) && $application->application_element->total_amount_due > 0){ if($amount_received > 0 && $payment_status != 'rejected' && $payment_status != 'initial_reject' && $payment_status != 'pending_from_bank'){ $i= 0; foreach($application->emi_payment as $emi_payment){ if($emi_payment->payment_status == "success"){ $application->emi_payment[$i]->update_status = "Done"; }elseif($emi_payment->payment_status != "success" && $emi_payment->amount_due == 0){ EmiPayment::where('id',$emi_payment->id)->update(['payment_status'=>"success"]); $application->emi_payment[$i]->update_status = "Done"; }elseif($emi_payment->emi_date <= $payment_date/* || $emi_payment->emi_date <= $payment_date*/) { $emi_payment_amount_received = $emi_payment->total_payable - $emi_payment->amount_due; $emi_amount_pending = ($emi_payment->emi_amount - $emi_payment_amount_received); $application->emi_payment[$i]->update_status = "Done"; $emi_payment_update = EmiPayment::find($emi_payment->id); if ($emi_payment->payment_status != "success" && $amount_received > 0 && $emi_amount_pending > 0) { $amount_setteled = 0; if ($is_payment_recalculate == 1) { $bounce_charges = $this->getBounceCharges($emi_payment->emi_amount, $emi_payment->due_date, $emi_payment->emi_date, $emi_payment->transaction, $payment_date, $amount_received, $emi_payment->application_id); $emi_payment_update = EmiPayment::find($emi_payment->id); $emi_payment_update->bounce_charges = (isset($bounce_charges['bounce_charges']) ? $bounce_charges['bounce_charges'] : 0); $application->emi_payment[$i]->bounce_charges = $emi_payment_update->bounce_charges; $emi_payment_update->delay_penalty = (isset($bounce_charges['penal_interest']) ? $bounce_charges['penal_interest'] : 0); $application->emi_payment[$i]->delay_penalty = $emi_payment_update->delay_penalty; $total_payable = $emi_payment->emi_amount + $emi_payment_update->bounce_charges + $emi_payment_update->delay_penalty - $emi_payment->charges_waived; $amount_due = $total_payable - $emi_payment_amount_received; $emi_payment_update->total_payable = $total_payable; $application->emi_payment[$i]->total_payable = $total_payable; $emi_payment_update->amount_due = $amount_due; $application->emi_payment[$i]->amount_due = $amount_due; $emi_payment_update->delay_days = (isset($bounce_charges['delay_days']) ? $bounce_charges['delay_days'] : 0); $application->emi_payment[$i]->delay_days = $emi_payment_update->delay_days; $emi_payment_update->save(); } $emi_payment_amount_received_updated = $emi_payment->total_payable - $emi_payment->amount_due - $emi_payment->charges_waived; $total_emi_amount_pending = ($emi_payment->total_payable - $emi_payment_amount_received_updated); if ($emi_amount_pending <= $amount_received) { $amount_setteled = $emi_amount_pending; $amount_received = $amount_received - $amount_setteled; if (($total_emi_amount_pending - $amount_setteled) > 0) { $emi_payment_status = 'partial'; } else { $emi_payment_status = 'success'; } } else { $amount_setteled = $amount_received; $amount_received = 0; if (($total_emi_amount_pending - $amount_setteled) == 0) { $emi_payment_status = 'success'; } else { $emi_payment_status = 'partial'; } } if (!isset($emi_payment_update)) { $emi_payment_update = EmiPayment::find($emi_payment->id); } $emi_payment_amount_received = $emi_payment_amount_received + $amount_setteled; $total_payable = $emi_payment->emi_amount + $emi_payment->bounce_charges + $emi_payment->delay_penalty; $amount_due = $total_payable - $emi_payment_amount_received - $emi_payment->charges_waived; $emi_payment_update->payment_status = $emi_payment_status; $application->emi_payment[$i]->total_payable = $total_payable; $application->emi_payment[$i]->amount_due = $amount_due; $emi_payment_update->payment_date = Carbon::parse($payment_date)->format('Y-m-d'); $emi_payment_update->total_payable = $total_payable; $emi_payment_update->amount_due = $amount_due; $emi_payment_update->save(); if($amount_setteled) { $payment_transaction = new PaymentTransaction(); $payment_transaction->emi_payment_id = $emi_payment->id; $payment_transaction->amount = $amount_setteled; $payment_transaction->mode = $mode; $payment_transaction->paid_by = $paid_by; $payment_transaction->payment_reconciliation_date = Carbon::parse($payment_reconciliation_date)->format('Y-m-d'); $payment_transaction->umrn = isset($data['umrn']) ? $data['umrn'] : ''; $payment_transaction->collected_by = $collected_by; $payment_transaction->collected_by_type = $collected_by_type; $payment_transaction->adjust_with_disbursement = $adjust_with_disbursement; $payment_transaction->wallet_name = $wallet_name; $payment_transaction->reason = isset($data['reason']) ? $data['reason'] : ''; $payment_transaction->trasanction_id = $trasanction_id; $payment_transaction->trasanction_acknowledgement = $trasanction_acknowledgement; $payment_transaction->application_id = $application_id; $payment_transaction->payment_for = "EMI"; $payment_transaction->payment_date = Carbon::parse($payment_date)->format('Y-m-d'); $payment_transaction->cf_transaction_id = $data['cf_transaction_id']; $payment_transaction->bank_id = $bank_id; $payment_transaction->status = isset($data['status']) ? $data['status'] : 'success'; $payment_transaction->save(); } $statusLogs[] = ['emi_payment_id' => $emi_payment_update->id, 'status' => $emi_payment_status, 'reason' => isset($data['reason']) ? $data['reason'] : '', 'mode' => $mode]; } }else{ $PreviousEMIs[] = $emi_payment; } $i++; } // For Bounce Charges if ($amount_received > 0) { $i = 0; foreach ($application->emi_payment as $emi_payment) { if ($amount_received > 0) { if($emi_payment->bounce_charges > 0 && $emi_payment->payment_status != 'success' && $emi_payment->emi_date <= $payment_date) { $amount_setteled = 0; $emi_payment_amount_received = $emi_payment->total_payable - $emi_payment->amount_due; $emi_bounce_charges_pending = ($emi_payment->emi_amount + $emi_payment->bounce_charges) - $emi_payment_amount_received; if($emi_bounce_charges_pending > $emi_payment->amount_due){ $emi_bounce_charges_pending = $emi_payment->amount_due; } if ($emi_bounce_charges_pending > 0) { if ($emi_bounce_charges_pending <= $amount_received) { $amount_setteled = $emi_bounce_charges_pending; $amount_received = $amount_received - $amount_setteled; } else { $amount_setteled = $amount_received; $amount_received = 0; } $amount_due = $emi_payment->total_payable - $emi_payment_amount_received - $amount_setteled; $application->emi_payment[$i]->amount_due = $amount_due; $emi_payment_amount_received_updated = ($emi_payment->total_payable - $emi_payment->amount_due - $emi_payment->charges_waived) + $amount_setteled; $total_emi_amount_pending = ($emi_payment->total_payable - $emi_payment_amount_received_updated); if ($total_emi_amount_pending == 0) { $emi_payment_status = 'success'; } else { $emi_payment_status = 'partial'; } if ($amount_setteled > 0) { $emi_payment_update = EmiPayment::find($emi_payment->id); $emi_payment_amount_received = $emi_payment_amount_received + $amount_setteled; $total_payable = $emi_payment->emi_amount + $emi_payment->bounce_charges + $emi_payment->delay_penalty; $amount_due = $total_payable - $emi_payment_amount_received - $emi_payment->charges_waived; $emi_payment_update->payment_status = $emi_payment_status; $application->emi_payment[$i]->total_payable = $total_payable; $application->emi_payment[$i]->amount_due = $amount_due; $emi_payment_update->payment_status = $emi_payment_status; $emi_payment_update->payment_date = Carbon::parse($payment_date)->format('Y-m-d'); $emi_payment_update->total_payable = $total_payable; $emi_payment_update->amount_due = $amount_due; $emi_payment_update->save(); if($amount_setteled) { $payment_transaction = new PaymentTransaction(); $payment_transaction->emi_payment_id = $emi_payment->id; $payment_transaction->amount = $amount_setteled; $payment_transaction->mode = $mode; $payment_transaction->paid_by = $paid_by; $payment_transaction->payment_reconciliation_date = Carbon::parse($payment_reconciliation_date)->format('Y-m-d'); $payment_transaction->umrn = isset($data['umrn']) ? $data['umrn'] : ''; $payment_transaction->collected_by = $collected_by; $payment_transaction->collected_by_type = $collected_by_type; $payment_transaction->adjust_with_disbursement = $adjust_with_disbursement; $payment_transaction->wallet_name = $wallet_name; $payment_transaction->reason = isset($data['reason']) ? $data['reason'] : ''; $payment_transaction->trasanction_id = $trasanction_id; $payment_transaction->trasanction_acknowledgement = $trasanction_acknowledgement; $payment_transaction->application_id = $application_id; $payment_transaction->payment_for = "EMI"; $payment_transaction->payment_date = Carbon::parse($payment_date)->format('Y-m-d'); $payment_transaction->cf_transaction_id = $data['cf_transaction_id']; $payment_transaction->bank_id = $bank_id; $payment_transaction->status = isset($data['status']) ? $data['status'] : 'success'; $payment_transaction->save(); } $statusLogs[] = ['emi_payment_id' => $emi_payment_update->id, 'status' => $emi_payment_status, 'reason' => isset($data['reason']) ? $data['reason'] : '', 'mode' => $mode]; } } } $i++; }else{ break; } } } // For Penalty Amount $i= 0; if ($amount_received > 0) { foreach ($application->emi_payment as $emi_payment) { if ($amount_received > 0) { if($emi_payment->delay_penalty > 0 && $emi_payment->payment_status != 'success' && $emi_payment->emi_date <= $payment_date) { $amount_setteled = 0; $emi_payment_amount_received = $emi_payment->total_payable - $emi_payment->amount_due; $emi_penal_charges_pending = ($emi_payment->emi_amount + $emi_payment->bounce_charges + $emi_payment->delay_penalty) - $emi_payment_amount_received; if($emi_penal_charges_pending > $emi_payment->amount_due){ $emi_penal_charges_pending = $emi_payment->amount_due; } if ($emi_penal_charges_pending > 0) { if ($emi_penal_charges_pending <= $amount_received) { $amount_setteled = $emi_penal_charges_pending; $amount_received = $amount_received - $amount_setteled; } else { $amount_setteled = $amount_received; $amount_received = 0; } $amount_due = $emi_payment->total_payable - $emi_payment_amount_received - $amount_setteled; $application->emi_payment[$i]->amount_due = $amount_due; $emi_payment_amount_received_updated = ($emi_payment->total_payable - $emi_payment->amount_due - $emi_payment->charges_waived); $total_emi_amount_pending = ($emi_payment->total_payable - $emi_payment_amount_received_updated); if ($total_emi_amount_pending == 0) { $emi_payment_status = 'success'; } else { $emi_payment_status = 'partial'; } if ($amount_setteled > 0) { $emi_payment_update = EmiPayment::find($emi_payment->id); $emi_payment_amount_received = $emi_payment_amount_received + $amount_setteled; $total_payable = $emi_payment->emi_amount + $emi_payment->bounce_charges + $emi_payment->delay_penalty; $amount_due = $total_payable - $emi_payment_amount_received - $emi_payment->charges_waived; $emi_payment_update->payment_status = $emi_payment_status; $application->emi_payment[$i]->total_payable = $total_payable; $application->emi_payment[$i]->amount_due = $amount_due; $emi_payment_update->payment_status = $emi_payment_status; $emi_payment_update->payment_date = Carbon::parse($payment_date)->format('Y-m-d'); $emi_payment_update->amount_due = $emi_payment->amount_due; $emi_payment_update->total_payable = $total_payable; $emi_payment_update->amount_due = $amount_due; $emi_payment_update->save(); if($amount_setteled) { $payment_transaction = new PaymentTransaction(); $payment_transaction->emi_payment_id = $emi_payment->id; $payment_transaction->amount = $amount_setteled; $payment_transaction->mode = $mode; $payment_transaction->paid_by = $paid_by; $payment_transaction->payment_reconciliation_date = Carbon::parse($payment_reconciliation_date)->format('Y-m-d'); $payment_transaction->umrn = isset($data['umrn']) ? $data['umrn'] : ''; $payment_transaction->collected_by = $collected_by; $payment_transaction->collected_by_type = $collected_by_type; $payment_transaction->adjust_with_disbursement = $adjust_with_disbursement; $payment_transaction->wallet_name = $wallet_name; $payment_transaction->reason = isset($data['reason']) ? $data['reason'] : ''; $payment_transaction->trasanction_id = $trasanction_id; $payment_transaction->trasanction_acknowledgement = $trasanction_acknowledgement; $payment_transaction->application_id = $application_id; $payment_transaction->payment_for = "EMI"; $payment_transaction->payment_date = Carbon::parse($payment_date)->format('Y-m-d'); $payment_transaction->cf_transaction_id = $data['cf_transaction_id']; $payment_transaction->bank_id = $bank_id; $payment_transaction->status = isset($data['status']) ? $data['status'] : 'success'; $payment_transaction->save(); } $statusLogs[] = ['emi_payment_id' => $emi_payment_update->id, 'status' => $emi_payment_status, 'reason' => isset($data['reason']) ? $data['reason'] : '', 'mode' => $mode]; } } } $i++; }else{ break; } } } // For Previous EMIs if EMI Amount is pending unset($emi_payment_update); if ($amount_received > 0 && isset($PreviousEMIs) && $PreviousEMIs){ $i= 0; foreach($PreviousEMIs as $emi_payment){ if($emi_payment->payment_status == "success"){ $application->emi_payment[$i]->update_status = "Done"; }elseif($emi_payment->payment_status != "success" && $emi_payment->amount_due == 0){ EmiPayment::where('id',$emi_payment->id)->update(['payment_status'=>"success"]); $application->emi_payment[$i]->update_status = "Done"; }elseif((date('Y-m', strtotime($emi_payment->emi_date)) == date('Y-m', strtotime($payment_date))) || $emi_payment->payment_status != "pending") { $emi_payment_amount_received = $emi_payment->total_payable - $emi_payment->amount_due; $emi_amount_pending = ($emi_payment->emi_amount - $emi_payment_amount_received); $application->emi_payment[$i]->update_status = "Done"; if ($emi_payment->payment_status != "success" && $amount_received > 0 && $emi_amount_pending > 0) { $amount_setteled = 0; $emi_payment_update = EmiPayment::find($emi_payment->id); if($is_payment_recalculate == 1){ $bounce_charges = $this->getBounceCharges($emi_payment->emi_amount,$emi_payment->due_date, $emi_payment->emi_date,$emi_payment->transaction,$payment_date,$amount_received, $emi_payment->application_id); $emi_payment_update = EmiPayment::find($emi_payment->id); $emi_payment_update->bounce_charges = (isset($bounce_charges['bounce_charges']) ? $bounce_charges['bounce_charges'] : 0); $application->emi_payment[$i]->bounce_charges = $emi_payment_update->bounce_charges; $emi_payment_update->delay_penalty = (isset($bounce_charges['penal_interest']) ? $bounce_charges['penal_interest'] : 0); $application->emi_payment[$i]->delay_penalty = $emi_payment_update->delay_penalty; $total_payable = $emi_payment->emi_amount + $emi_payment_update->bounce_charges + $emi_payment_update->delay_penalty - $emi_payment->charges_waived; $amount_due = $total_payable - $emi_payment_amount_received; $emi_payment_update->total_payable = $total_payable; $application->emi_payment[$i]->total_payable = $total_payable; $emi_payment_update->amount_due = $amount_due; $application->emi_payment[$i]->amount_due = $amount_due; $emi_payment_update->delay_days = (isset($bounce_charges['delay_days']) ? $bounce_charges['delay_days'] : 0); $application->emi_payment[$i]->delay_days = $emi_payment_update->delay_days; $emi_payment_update->save(); } $emi_payment_amount_received_updated = $emi_payment->total_payable - $emi_payment->amount_due - $emi_payment->charges_waived; $total_emi_amount_pending = ($emi_payment->total_payable - $emi_payment_amount_received_updated); if ($emi_amount_pending <= $amount_received) { $amount_setteled = $emi_amount_pending; $amount_received = $amount_received - $amount_setteled; if(($total_emi_amount_pending - $amount_setteled) > 0){ $emi_payment_status = 'partial'; }else { $emi_payment_status = 'success'; } }else{ $amount_setteled = $amount_received; $amount_received = 0; if(($total_emi_amount_pending - $amount_setteled) == 0){ $emi_payment_status = 'success'; }else{ $emi_payment_status = 'partial'; } } if(!isset($emi_payment_update)){ $emi_payment_update = EmiPayment::find($emi_payment->id); } $emi_payment_amount_received = $emi_payment_amount_received + $amount_setteled; $total_payable = $emi_payment->emi_amount + $emi_payment->bounce_charges + $emi_payment->delay_penalty; $amount_due = $total_payable - $emi_payment_amount_received - $emi_payment->charges_waived; $emi_payment_update->payment_status = $emi_payment_status; $application->emi_payment[$i]->total_payable = $total_payable; $application->emi_payment[$i]->amount_due = $amount_due; $emi_payment_update->payment_date = Carbon::parse($payment_date)->format('Y-m-d'); $emi_payment_update->total_payable = $total_payable; $emi_payment_update->amount_due = $amount_due; $emi_payment_update->save(); if($amount_setteled) { $payment_transaction = new PaymentTransaction(); $payment_transaction->emi_payment_id = $emi_payment->id; $payment_transaction->amount = $amount_setteled; $payment_transaction->mode = $mode; $payment_transaction->paid_by = $paid_by; $payment_transaction->payment_reconciliation_date = Carbon::parse($payment_reconciliation_date)->format('Y-m-d'); $payment_transaction->umrn = isset($data['umrn']) ? $data['umrn'] : ''; $payment_transaction->collected_by = $collected_by; $payment_transaction->collected_by_type = $collected_by_type; $payment_transaction->adjust_with_disbursement = $adjust_with_disbursement; $payment_transaction->wallet_name = $wallet_name; $payment_transaction->reason = isset($data['reason']) ? $data['reason'] : ''; $payment_transaction->trasanction_id = $trasanction_id; $payment_transaction->trasanction_acknowledgement = $trasanction_acknowledgement; $payment_transaction->application_id = $application_id; $payment_transaction->payment_for = "EMI"; $payment_transaction->payment_date = Carbon::parse($payment_date)->format('Y-m-d'); $payment_transaction->cf_transaction_id = $data['cf_transaction_id']; $payment_transaction->bank_id = $bank_id; $payment_transaction->status = isset($data['status']) ? $data['status'] : 'success'; $payment_transaction->save(); } $statusLogs[] = ['emi_payment_id' => $emi_payment_update->id, 'status' => $emi_payment_status, 'reason' => isset($data['reason']) ? $data['reason'] : '', 'mode' => $mode]; } } $i++; } } /*For Previous EMIs*/ /*unset($emi_payment_update); if ($amount_received > 0 && isset($PreviousEMIs) && $PreviousEMIs){ $i= 0; foreach($PreviousEMIs as $emi_payment){ if($emi_payment->payment_status == "success"){ $application->emi_payment[$i]->update_status = "Done"; }elseif($emi_payment->payment_status != "success" && $emi_payment->amount_due == 0){ EmiPayment::where('id',$emi_payment->id)->update(['payment_status'=>"success"]); $application->emi_payment[$i]->update_status = "Done"; }elseif($emi_payment->emi_date <= $payment_date) { $emi_payment_amount_received = $emi_payment->total_payable - $emi_payment->amount_due; $emi_amount_pending = ($emi_payment->emi_amount - $emi_payment_amount_received); $application->emi_payment[$i]->update_status = "Done"; if ($emi_payment->payment_status != "success" && $amount_received > 0 && $emi_amount_pending > 0) { $amount_setteled = 0; $emi_payment_update = EmiPayment::find($emi_payment->id); if($is_payment_recalculate == 1){ $bounce_charges = $this->getBounceCharges($emi_payment->emi_amount,$emi_payment->due_date, $emi_payment->emi_date,$emi_payment->transaction,$payment_date,$amount_received, $emi_payment->application_id); $emi_payment_update->bounce_charges = (isset($bounce_charges['bounce_charges']) ? $bounce_charges['bounce_charges'] : 0); $application->emi_payment[$i]->bounce_charges = $emi_payment_update->bounce_charges; $emi_payment_update->delay_penalty = (isset($bounce_charges['penal_interest']) ? $bounce_charges['penal_interest'] : 0); $application->emi_payment[$i]->delay_penalty = $emi_payment_update->delay_penalty; $total_payable = $emi_payment->emi_amount + $emi_payment_update->bounce_charges + $emi_payment_update->delay_penalty - $emi_payment->charges_waived; $amount_due = $total_payable - $emi_payment_amount_received; $emi_payment_update->total_payable = $total_payable; $application->emi_payment[$i]->total_payable = $total_payable; $emi_payment_update->amount_due = $amount_due; $application->emi_payment[$i]->amount_due = $amount_due; $emi_payment_update->delay_days = (isset($bounce_charges['delay_days']) ? $bounce_charges['delay_days'] : 0); $application->emi_payment[$i]->delay_days = $emi_payment_update->delay_days; $emi_payment_update->save(); } $emi_payment_amount_received_updated = $emi_payment->total_payable - $emi_payment->amount_due - $emi_payment->charges_waived; $total_emi_amount_pending = ($emi_payment->total_payable - $emi_payment_amount_received_updated); if ($emi_amount_pending <= $amount_received) { $amount_setteled = $emi_amount_pending; $amount_received = $amount_received - $amount_setteled; if(($total_emi_amount_pending - $amount_setteled) > 0){ $emi_payment_status = 'partial'; }else { $emi_payment_status = 'success'; } }else{ $amount_setteled = $amount_received; $amount_received = 0; if(($total_emi_amount_pending - $amount_setteled) == 0){ $emi_payment_status = 'success'; }else{ $emi_payment_status = 'partial'; } } if(!isset($emi_payment_update)){ $emi_payment_update = EmiPayment::find($emi_payment->id); } $emi_payment_amount_received = $emi_payment_amount_received + $amount_setteled; $total_payable = $emi_payment->emi_amount + $emi_payment->bounce_charges + $emi_payment->delay_penalty; $amount_due = $total_payable - $emi_payment_amount_received - $emi_payment->charges_waived; $emi_payment_update->payment_status = $emi_payment_status; $application->emi_payment[$i]->total_payable = $total_payable; $application->emi_payment[$i]->amount_due = $amount_due; $emi_payment_update->payment_date = Carbon::parse($payment_date)->format('Y-m-d'); $emi_payment_update->total_payable = $total_payable; $emi_payment_update->amount_due = $amount_due; $emi_payment_update->save(); $payment_transaction = new PaymentTransaction(); $payment_transaction->emi_payment_id = $emi_payment->id; $payment_transaction->amount = $amount_setteled; $payment_transaction->mode = $mode; $payment_transaction->paid_by = $paid_by; $payment_transaction->payment_reconciliation_date = Carbon::parse($payment_reconciliation_date)->format('Y-m-d'); $payment_transaction->umrn = isset($data['umrn']) ? $data['umrn'] : ''; $payment_transaction->collected_by = $collected_by; $payment_transaction->collected_by_type = $collected_by_type; $payment_transaction->adjust_with_disbursement = $adjust_with_disbursement; $payment_transaction->wallet_name = $wallet_name; $payment_transaction->reason = isset($data['reason']) ? $data['reason'] : ''; $payment_transaction->trasanction_id = $trasanction_id; $payment_transaction->trasanction_acknowledgement = $trasanction_acknowledgement; $payment_transaction->application_id = $application_id; $payment_transaction->payment_for = "EMI"; $payment_transaction->payment_date = Carbon::parse($payment_date)->format('Y-m-d'); $payment_transaction->cf_transaction_id = $data['cf_transaction_id']; $payment_transaction->bank_id = $bank_id; $payment_transaction->status = isset($data['status']) ? $data['status'] : 'success'; $payment_transaction->save(); $statusLogs[] = ['emi_payment_id' => $emi_payment_update->id, 'status' => $emi_payment_status, 'reason' => isset($data['reason']) ? $data['reason'] : '', 'mode' => $mode]; } } $i++; } }*/ $emi_payments_table = EmiPayment::where('application_id', $application_id)->get(); // For Future EMIs unset($emi_payment_update); if ($amount_received > 0 && isset($emi_payments_table) && $emi_payments_table){ $i= 0; foreach($emi_payments_table as $emi_payment){ if($emi_payment->payment_status == "success"){ $application->emi_payment[$i]->update_status = "Done"; }elseif($emi_payment->payment_status != "success" && $emi_payment->amount_due == 0){ EmiPayment::where('id',$emi_payment->id)->update(['payment_status'=>"success"]); $application->emi_payment[$i]->update_status = "Done"; }elseif($emi_payment->emi_date >= $payment_date) { $emi_payment_amount_received = $emi_payment->total_payable - $emi_payment->amount_due; $emi_amount_pending = ($emi_payment->emi_amount - $emi_payment_amount_received); $application->emi_payment[$i]->update_status = "Done"; if ($emi_payment->payment_status != "success" && $amount_received > 0 && $emi_amount_pending > 0) { $amount_setteled = 0; if($is_payment_recalculate == 1){ $bounce_charges = $this->getBounceCharges($emi_payment->emi_amount,$emi_payment->due_date, $emi_payment->emi_date,$emi_payment->transaction,$payment_date,$amount_received, $emi_payment->application_id); $emi_payment_update = EmiPayment::find($emi_payment->id); $emi_payment_update->bounce_charges = (isset($bounce_charges['bounce_charges']) ? $bounce_charges['bounce_charges'] : 0); $application->emi_payment[$i]->bounce_charges = $emi_payment_update->bounce_charges; $emi_payment_update->delay_penalty = (isset($bounce_charges['penal_interest']) ? $bounce_charges['penal_interest'] : 0); $application->emi_payment[$i]->delay_penalty = $emi_payment_update->delay_penalty; $total_payable = $emi_payment->emi_amount + $emi_payment_update->bounce_charges + $emi_payment_update->delay_penalty - $emi_payment->charges_waived; $amount_due = $total_payable - $emi_payment_amount_received; $emi_payment_update->total_payable = $total_payable; $application->emi_payment[$i]->total_payable = $total_payable; $emi_payment_update->amount_due = $amount_due; $application->emi_payment[$i]->amount_due = $amount_due; $emi_payment_update->delay_days = (isset($bounce_charges['delay_days']) ? $bounce_charges['delay_days'] : 0); $application->emi_payment[$i]->delay_days = $emi_payment_update->delay_days; $emi_payment_update->save(); } $emi_payment_amount_received_updated = $emi_payment->total_payable - $emi_payment->amount_due - $emi_payment->charges_waived; $total_emi_amount_pending = ($emi_payment->total_payable - $emi_payment_amount_received_updated); if ($emi_amount_pending <= $amount_received) { $amount_setteled = $emi_amount_pending; $amount_received = $amount_received - $amount_setteled; if(($total_emi_amount_pending - $amount_setteled) > 0){ $emi_payment_status = 'partial'; }else { $emi_payment_status = 'success'; } }else{ $amount_setteled = $amount_received; $amount_received = 0; if(($total_emi_amount_pending - $amount_setteled) == 0){ $emi_payment_status = 'success'; }else{ $emi_payment_status = 'partial'; } } if(!isset($emi_payment_update)){ $emi_payment_update = EmiPayment::find($emi_payment->id); } $emi_payment_amount_received = $emi_payment_amount_received + $amount_setteled; $total_payable = $emi_payment->emi_amount + $emi_payment->bounce_charges + $emi_payment->delay_penalty; $amount_due = $total_payable - $emi_payment_amount_received - $emi_payment->charges_waived; $emi_payment_update->payment_status = $emi_payment_status; $application->emi_payment[$i]->total_payable = $total_payable; $application->emi_payment[$i]->amount_due = $amount_due; $emi_payment_update->payment_date = Carbon::parse($payment_date)->format('Y-m-d'); $emi_payment_update->total_payable = $total_payable; $emi_payment_update->amount_due = $amount_due; $emi_payment_update->save(); if($amount_setteled) { $payment_transaction = new PaymentTransaction(); $payment_transaction->emi_payment_id = $emi_payment->id; $payment_transaction->amount = $amount_setteled; $payment_transaction->mode = $mode; $payment_transaction->paid_by = $paid_by; $payment_transaction->payment_reconciliation_date = Carbon::parse($payment_reconciliation_date)->format('Y-m-d'); $payment_transaction->umrn = isset($data['umrn']) ? $data['umrn'] : ''; $payment_transaction->collected_by = $collected_by; $payment_transaction->collected_by_type = $collected_by_type; $payment_transaction->adjust_with_disbursement = $adjust_with_disbursement; $payment_transaction->wallet_name = $wallet_name; $payment_transaction->reason = isset($data['reason']) ? $data['reason'] : ''; $payment_transaction->trasanction_id = $trasanction_id; $payment_transaction->trasanction_acknowledgement = $trasanction_acknowledgement; $payment_transaction->application_id = $application_id; $payment_transaction->payment_for = "EMI"; $payment_transaction->payment_date = Carbon::parse($payment_date)->format('Y-m-d'); $payment_transaction->cf_transaction_id = $data['cf_transaction_id']; $payment_transaction->bank_id = $bank_id; $payment_transaction->status = isset($data['status']) ? $data['status'] : 'success'; $payment_transaction->save(); } $statusLogs[] = ['emi_payment_id' => $emi_payment_update->id, 'status' => $emi_payment_status, 'reason' => isset($data['reason']) ? $data['reason'] : '', 'mode' => $mode]; } } $i++; } } } $send_communication = 0; if ($payment_status == 'rejected' || $payment_status == 'pending_from_bank' || $payment_status == 'initial_reject') { $emisArray = []; $emi_payment_id = 0; $emi_payment_status = ""; $emisArray = []; foreach ($application->emi_payment as $emi_payment) { if ($emi_payment->emi_date <= date('Y-m-d')){ $emisArray[] = $emi_payment->emi_date; } if(isset($delay_days)) { $delay_days_old = $delay_days; } $delay_days = $this->calculateDelayDays($emi_payment->emi_date,$payment_date, $application_id); if(!isset($delay_days_old)) { $emi_payment_id = $emi_payment->id; $emi_payment_status = $emi_payment->payment_status; }elseif($delay_days >= 0 && $delay_days < $delay_days_old){ $emi_payment_id = $emi_payment->id; $emi_payment_status = $emi_payment->payment_status; } } if($payment_status == 'rejected'){ $send_communication = 1; } $paymentConfig = $this->getPaymentConfig($application_id); if($emi_payment_status != 'success' && $emi_payment_status != 'partial' && $emi_payment_status != "" && $emi_payment_id != 0) { $bounce_charges = $payment_status == 'rejected' ? $paymentConfig['bounce'] : 0; $rejection_date = $payment_status == 'rejected' ? $payment_date : ""; EmiPayment::where('id', $emi_payment_id)->update(['bounce_charges' => $bounce_charges, 'payment_status' => $payment_status, 'online_payment_id' => $online_payment_id,'rejected_date' => $rejection_date]); $statusLogs[] = ['emi_payment_id' => $emi_payment_id, 'status' => $payment_status, 'reason' => isset($data['reason']) ? $data['reason'] : '', 'mode' => isset($data['mode']) ? $data['mode'] : '']; } $amount_received = 0; } if ($amount_received > 0) { $updateData = $this->updateAdvanceEMI($application,$amount_received,$data); $amount_received = $updateData['amount_received']; } if ($amount_received > 0) { if ((isset($application->application_element->foreclosure_date) && !empty($application->application_element->foreclosure_date) && $application->application_element->foreclosure_date != "1970-01-01")) { // $data['advance_amount'] = $amount_received; // $this->updateAdvanceAmount($data, "Foreclosure", $application_id); } else { $data['advance_amount'] = $amount_received; $this->updateAdvanceAmount($data, "Over Payment", $application_id); } } //$this->paymentCalculate($application_id); if ($payment_status == 'rejected' || $payment_status == 'pending_from_bank' || $payment_status == 'initial_reject') { if($payment_status == 'rejected' && $send_communication == 1){ $application_ids = [$application_id]; if ((isset($emisArray) && in_array(date('Y-m-d'), $emisArray))){ $application_element = ConsumerApplicationElement::where('application_id',$application_id)->first(['amount_over_due']); if (isset($application_element->amount_over_due)) { ConsumerApplicationElement::where('application_id',$application_id)->update(['amount_over_due' => $amount + $application_element->amount_over_due]); } } $this->overDueReminder($application_ids,1,1,1,0,$payment_status,0); } }else{ $communicationData = ['application_id' => $application_id, 'data' => $data, 'payment_status' => $payment_status, 'payment_type' => strtolower($payment_type)]; } }else{ $application['message'] = "No Dues"; } $this->updateStatus($statusLogs, $application_id, $payment_date, $payment_reconciliation_date); //$this->invoiceCreation($application_id, $payment_date); if ($this->reconcileWithProcessingFee) { $this->reconcileWithProcessingFee($data); } if(!$this->reconcileWithProcessingFee) { $this->isAllRepaymentReceived($application_id); } if($foreclosuredate != "" && $foreclosuredate != 0) { $this->forecloseCase($application_id); } $this->autoWaiveOff($application_id); // return array('application'=>$application,'cf_transaction_id'=>$data['cf_transaction_id']); return array('application'=>$application,'cf_transaction_id'=>$data['cf_transaction_id'], 'communicationData' => $communicationData); } public function reconcilePrePayment($data){ $payment_type = $data['payment_type'] ?? "credit"; $payment_date = $data['payment_date']; $mode = $data['mode']; $paid_by = $data['paid_by']; $collected_by = $data['collected_by']; $collected_by_type = $data['collected_by_type'] ?? 1; $application_id = $data['application_id']; $trasanction_id = $data['trasanction_id']; $trasanction_acknowledgement = $data['trasanction_acknowledgement']; $payment_reconciliation_date = $data['payment_reconciliation_date'] ?? $payment_date; $wallet_name = $data['wallet_name']; $bank_id = $data['bank_id'] ?? ""; $application = ConsumerApplication::where('id', $application_id)->first(['id','name', 'lender_id']); $data['cf_transaction_id'] = $application->id.strtoupper(substr($application->name, 0, 2)).time(); $adjust_with_disbursement = $data['adjust_with_disbursement'] ?? 0; $amount_received = $data['amount']; $payment_transaction = new PaymentTransaction(); $payment_transaction->emi_payment_id = 0; $payment_transaction->amount = $amount_received; $payment_transaction->mode = $mode; $payment_transaction->paid_by = $paid_by; $payment_transaction->payment_reconciliation_date = $payment_reconciliation_date; $payment_transaction->umrn = isset($data['umrn']) ? $data['umrn'] : ''; $payment_transaction->collected_by = $collected_by; $payment_transaction->collected_by_type = $collected_by_type; $payment_transaction->adjust_with_disbursement = $adjust_with_disbursement; $payment_transaction->wallet_name = $wallet_name; $payment_transaction->reason = isset($data['reason']) ? $data['reason'] : ''; $payment_transaction->trasanction_id = $trasanction_id; $payment_transaction->trasanction_acknowledgement = $trasanction_acknowledgement; $payment_transaction->application_id = $application_id; $payment_transaction->payment_for = $payment_type; $payment_transaction->payment_date = Carbon::parse($payment_date)->format('Y-m-d');; $payment_transaction->cf_transaction_id = $data['cf_transaction_id']; $payment_transaction->bank_id = $bank_id; $payment_transaction->status = isset($data['status']) ? $data['status'] : 'success'; $payment_transaction->save(); // $this->sendPaymentMessage($application_id, $data, $payment_status, strtolower($payment_type)); } public function updateStatus($statusLogs, $application_id, $payment_date, $payment_reconciliation_date){ if($statusLogs){ $data = []; foreach ($statusLogs as $log){ $item = ['application_id' => $application_id, 'payment_date' => $payment_date, 'payment_reconciliation_date' => $payment_reconciliation_date, 'created_at' => Carbon::now()->toDateTimeString()]; $data[] = array_merge($log, $item); } PaymentLogs::insert($data); } } public function isAllRepaymentReceived($application_id){ try { return false; $application = ConsumerApplication::with('application_element', 'merchant','proFormaInvoice')->where('id', $application_id)->first(['id', 'merchant_id','state','name']); if ($application->state != 'closed' && isset($application->application_element) && $application->application_element && isset($application->application_element->total_amount_due) && $application->application_element->total_amount_due == 0) { $process['merchant_processing_collected'] = $application->proFormaInvoice ? $application->proFormaInvoice->processing_fee_by_merchant : ''; $process['proFormaInvoice'] = $application->proFormaInvoice; $request = new Request(); $consumerDocument = new ConsumerDocument($request); $applicationController = new ConsumerApplicationController(); if ($consumerDocument->isProcessingFeeCollected($process)) { if (!$applicationController->isProcessingFeeApplicable($application_id)) { $emiPayment = PaymentTransaction::where('application_id', $application_id)->where('payment_for','processing_fee')->first(['id']); if (!isset($emiPayment->id)){ return false; } } } $disbursementController = new DisbursementController($request); if($insurance_fee_amount = $disbursementController->isCustomerPayingInsuranceFee($application)) { $emiPayment = PaymentTransaction::where('application_id', $application_id)->where('payment_for', 'insurance_fee')->first(['id']); if (!isset($emiPayment->id)) { return false; } } if($advance_amount_due = $disbursementController->isCFCollectingAdvance($application)) { $emiPayment = PaymentTransaction::where('application_id', $application_id)->where('payment_for', 'advance_amount')->first(['id']); if (!isset($emiPayment->id)) { return false; } } $consumerApplicationController = new ConsumerApplicationController(); request()->merge(['state' => 'closed']);; $consumerApplicationController->updateStatus($application_id); (new Slack(new Request(['title' => 'Loan Closed', 'fields' => ['Name' => $application->name, 'merchant_name' => $application->merchant->merchant_name, 'Application ID' => $application->id], 'group' => 'payment_collection'])))->send(); } }catch (\Exception $e){ (new Slack(new Request(['title' => 'Auto Loan Closed (Error)', 'fields' => ['Message' => $e->getMessage(), 'Line' => $e->getLine(), 'File' => $e->getFile()], 'group' => 'payment_collection'])))->send(); } } public function checkIfPaymentReceived($application){ try { if ($application->state != 'closed' && isset($application->application_element) && $application->application_element && isset($application->application_element->total_amount_due) && $application->application_element->total_amount_due == 0) { $process['merchant_processing_collected'] = $application->proFormaInvoice ? $application->proFormaInvoice->processing_fee_by_merchant : ''; $process['proFormaInvoice'] = $application->proFormaInvoice; $request = new Request(); $consumerDocument = new ConsumerDocument($request); $applicationController = new ConsumerApplicationController(); // Processing Fee if ($consumerDocument->isProcessingFeeCollected($process)) { if (!$applicationController->isProcessingFeeApplicable($application->id)) { $emiPayment = PaymentTransaction::where('application_id', $application->id)->where('payment_for','processing_fee')->first(['id']); if (!isset($emiPayment->id)){ return false; } } } // Insurance Fee $disbursementController = new DisbursementController($request); if($insurance_fee_amount = $disbursementController->isCustomerPayingInsuranceFee($application)) { $emiPayment = PaymentTransaction::where('application_id', $application->id)->where('payment_for', 'insurance_fee')->first(['id']); if (!isset($emiPayment->id)) { return false; } } // Advance Amount if($advance_amount_due = $disbursementController->isCFCollectingAdvance($application)) { $emiPayment = PaymentTransaction::where('application_id', $application->id)->where('payment_for', 'advance_amount')->first(['id']); if (!isset($emiPayment->id)) { return false; } } // OverPayment $overPayment = PaymentTransaction::where('application_id', $application->id)->where('payment_for', 'OverPayment')->first(); if($overPayment){ return false; } $foreclosedAmount = DB::select("select sum(amount) as 'amount' from payment_transactions where trasanction_id=(select trasanction_id from payment_transactions where application_id=".$application->id." and payment_for='Foreclosure');"); $foreclosure_data = (new LoanManagement())->getForeclosureAmount($application->id); $fore_closure_amount = (isset($foreclosure_data['total_outstanding'])) ? $foreclosure_data['total_outstanding'] : 0; $saved_foreclosure_amount = ConsumerApplicationElement::where('application_id', $application->id)->first(['foreclosure_amount_sent']); if(isset($foreclosedAmount[0]->amount) && ( (isset($fore_closure_amount) && $foreclosedAmount[0]->amount < $fore_closure_amount) || (isset($saved_foreclosure_amount) && $saved_foreclosure_amount->foreclosure_amount_sent > 0 && $foreclosedAmount[0]->amount < $saved_foreclosure_amount->foreclosure_amount_sent) )){ return false; } return true; } }catch (\Exception $e){ (new Slack(new Request(['title' => 'Auto Loan Closed (Error)', 'fields' => ['Message' => $e->getMessage(), 'Line' => $e->getLine(), 'File' => $e->getFile()], 'group' => 'payment_collection'])))->send(); } } public function PTPUpdate($application_id, $payment_date){ try{ $promiseToPay = PromiseToPay::where('application_id', $application_id)->where('date','<=', $payment_date)->where('payment_received', 0)->orderBy('date','desc')->first(); if(isset($promiseToPay->id)){ PromiseToPay::where('id', $promiseToPay->id)->update(['payment_received' => 1, 'payment_received_date' => $payment_date]); return $promiseToPay->id; } }catch (\Exception $e){ } return false; } public function invoiceCreation($application_id, $from_date, $to_date){ $payload[] = [ 'payload' => json_encode(['from_payment_date' => $from_date, 'to_payment_date' => $to_date, 'application_id' => is_array($application_id) ? implode(',', $application_id) : $application_id]), 'from' => 'bounce_invoices_creation', 'application_id' => isset($application_id[0]) ? $application_id[0] : $application_id, 'available_at' => Carbon::now()->addHour(2)->toDateTimeString(), 'created_at' => Carbon::now()->toDateTimeString() ]; // (new LoanManagement())->creationBouncePenal($payload); $job = new Jobs(); $job->insertQueue($payload); } public function getBouncePenalData($id){ $response = array(); $status = ['disbursed','nach registered','closed ','cancellation in-process']; $consumerApplications = ConsumerApplicationRelation::with('merchant','logs','emi', 'application_element','emi.offer','emi_payment.transaction','lender')->wherein('state',$status)->whereNull('is_deleted')->where('id', $id)->get(); $consumerDocument = new ConsumerDocument(new Request()); foreach ($consumerApplications as $consumerApplication) { if(isset($consumerApplication->emi) and $consumerApplication->emi != null && isset($consumerApplication->logs->created_at)) { if (!isset($response[$consumerApplication->id]['name'])) { $response[$consumerApplication->id]['name'] = $consumerApplication->name; } if (!isset($response[$consumerApplication->id]['lender'])) { $response[$consumerApplication->id]['lender'] = $consumerApplication->lender->name; } if (!isset($response[$consumerApplication->id]['subvention_rate'])) { $response[$consumerApplication->id]['subvention_rate'] = $consumerApplication->emi->subvention; } if (!isset($response[$consumerApplication->id]['approved_amount'])) { $response[$consumerApplication->id]['approved_amount'] = $consumerApplication->approved_amount; } $disbursed_month = date('Y-m-d', strtotime($consumerApplication->logs->created_at)); $response[$consumerApplication->id]['month'][$disbursed_month]['processing_fees_net_amount'] = 0; if($consumerApplication->emi->processing_fee > 0) { $gstDetails = $consumerDocument->getGSTDetails( [ 'amount' => $consumerApplication->emi->processing_fee, 'state' => (isset($consumerApplication->permanent_address_state) && !empty($consumerApplication->permanent_address_state)) ? $consumerApplication->permanent_address_state : (isset($consumerApplication->current_address_state) && !empty($consumerApplication->current_address_state) ? $consumerApplication->current_address_state : '') ] ); foreach ($gstDetails as $gst) { $response[$consumerApplication->id]['month'][$disbursed_month]['processing_fees_net_amount'] = $gst['net_amount']; } } $last_transaction_date = date('Y-m-d', strtotime($consumerApplication->logs->created_at)); $loanschedule = json_decode(json_encode($this->getLoanSchedule($consumerApplication->id,1,1,$consumerApplication))); if($loanschedule) { if (!isset($response[$consumerApplication->id]['interest_ror'])) { $response[$consumerApplication->id]['revenue_ror'] = $loanschedule->summary->interest; } if (!isset($response[$consumerApplication->id]['interest_ror'])) { $response[$consumerApplication->id]['interest_ror'] = $loanschedule->summary->irr; } foreach ($loanschedule->schedule as $emi_date => $payment) { if($consumerApplication->application_element->foreclosure_date == "" || $consumerApplication->application_element->foreclosure_date >=$emi_date) { $amount_received = $payment->total_payable - $payment->amount_due; if ($amount_received > $payment->emi_amount) { $total_received = 0; $bounce_received = 0; $penalty_received = 0; $bounce_charges_payable = $payment->bounce_charges; $penal_interest_payable = $payment->delay_penalty; foreach ($payment->transaction as $payment_transaction) { if (empty($payment_transaction->is_deleted_at) and empty($payment_transaction->refunded_at and $payment_transaction->created_at < date('Y-m-d 00:00:00'))) { $total_received = $total_received + $payment_transaction->amount; if ($total_received > $payment->emi_amount) { $bounce_received_instance = $bounce_charges_payable > 0 ? (($payment->bounce_charges < ($total_received - $payment->emi_amount)) ? ($payment->bounce_charges - $bounce_received) : ($total_received - $payment->emi_amount - $bounce_received)) : 0; $penalty_received_instance = $penal_interest_payable > 0 ? (($payment->delay_penalty < ($total_received - $payment->emi_amount - $payment->bounce_charges)) ? ($payment->delay_penalty - $penalty_received) : ($total_received - $payment->emi_amount - $payment->bounce_charges - $penalty_received)) : 0; if ($bounce_received_instance > 0) { $bounce_received = $bounce_received + $bounce_received_instance; $payment_month = date('Y-m-d', strtotime($payment_transaction->payment_date)); $entry_time = $payment_transaction->cf_transaction_id; if (isset($response[$consumerApplication->id]['month'][$payment_month.'|'.$entry_time]['bounces_charges'])) { $response[$consumerApplication->id]['month'][$payment_month.'|'.$entry_time]['bounces_charges'] += $bounce_received_instance; $response[$consumerApplication->id]['month'][$payment_month.'|'.$entry_time]['payment_date'] = $payment_transaction->payment_date; } else { $response[$consumerApplication->id]['month'][$payment_month.'|'.$entry_time]['bounces_charges'] = $bounce_received_instance; $response[$consumerApplication->id]['month'][$payment_month.'|'.$entry_time]['payment_date'] = $payment_transaction->payment_date; } $bounce_charges_payable = $bounce_charges_payable - $bounce_received_instance; } if($penalty_received_instance > 0){ $penalty_received = $penalty_received + $penalty_received_instance; $payment_month = date('Y-m-d', strtotime($payment_transaction->payment_date)); $entry_time = $payment_transaction->cf_transaction_id; if (isset($response[$consumerApplication->id]['month'][$payment_month.'|'.$entry_time]['penal_interest'])) { $response[$consumerApplication->id]['month'][$payment_month.'|'.$entry_time]['penal_interest'] += $penalty_received_instance; $response[$consumerApplication->id]['month'][$payment_month.'|'.$entry_time]['payment_date'] = $payment_transaction->payment_date; } else { $response[$consumerApplication->id]['month'][$payment_month.'|'.$entry_time]['penal_interest'] = $penalty_received_instance; $response[$consumerApplication->id]['month'][$payment_month.'|'.$entry_time]['payment_date'] = $payment_transaction->payment_date; } $penal_interest_payable = $penal_interest_payable - $penalty_received_instance; } } } } } } } return $response; /*foreach ($response[$consumerApplication->id]['month'] as $month => $monthly_data) { if (!isset($response[$consumerApplication->id]['month'][$month]['principal_outstanding'])) { if($month > date('Y-m',strtotime($consumerApplication->application_element->last_emi_day))) { $response[$consumerApplication->id]['month'][$month]['principal_outstanding'] = 0; }else{ $response[$consumerApplication->id]['month'][$month]['principal_outstanding'] = $loanschedule->summary->loan_outstanding; } } if (isset($monthly_data['bounces_charges']) && $monthly_data['bounces_charges'] > 0) { $state_name_bounces = (isset($consumerApplication->permanent_address_state) && !empty($consumerApplication->permanent_address_state)) ? $consumerApplication->permanent_address_state : (isset($consumerApplication->current_address_state) && !empty($consumerApplication->current_address_state) ? $consumerApplication->current_address_state : ''); $gstDetails = $consumerDocument->getGSTDetails( [ 'amount' => $monthly_data['bounces_charges'], 'state' => $state_name_bounces ] ); foreach ($gstDetails as $gst) { $response[$consumerApplication->id]['month'][$month]['bounces_charges'] = $gst['amount']; $response[$consumerApplication->id]['month'][$month]['net_bounces_charges'] = $gst['net_amount']; $response[$consumerApplication->id]['month'][$month]['charges_state'] = $state_name_bounces; } } if (isset($monthly_data['penal_interest']) && $monthly_data['penal_interest'] > 0) { $state_name_penal = (isset($consumerApplication->permanent_address_state) && !empty($consumerApplication->permanent_address_state)) ? $consumerApplication->permanent_address_state : (isset($consumerApplication->current_address_state) && !empty($consumerApplication->current_address_state) ? $consumerApplication->current_address_state : ''); $gstDetails = $consumerDocument->getGSTDetails( [ 'amount' => $monthly_data['penal_interest'], 'state' => $state_name_penal ] ); foreach ($gstDetails as $gst) { $response[$consumerApplication->id]['month'][$month]['penal_interest'] = $gst['amount']; $response[$consumerApplication->id]['month'][$month]['net_penal_interest'] = $gst['net_amount']; $response[$consumerApplication->id]['month'][$month]['charges_state'] = $state_name_penal; } } } ksort($response[$consumerApplication->id]['month']);*/ } } } return $response; } public function getParsedReceivedAmount($data){ if((isset($data['fore_closure_date']) && $data['fore_closure_date'] != "" && $data['fore_closure_date'] != 0) || (isset($data['payment_type']) && $data['payment_type'] == 'processing_fee') || (isset($data['payment_type']) && $data['payment_type'] == 'total_fee')) { return $data['amount']; } else{ $this->reconcileWithProcessingFee = false; if($data['application_id']){ $application = ConsumerApplication::with('emi.offer')->where('id',$data['application_id'])->first(); if($application->emi && $application->emi->offer && $application->emi->offer->processing_fee_first_emi && $application->emi->processing_fee/* && $data['amount'] > $application->emi->emi*/){ $emiPayment = PaymentTransaction::where('application_id', $application->id)->where('payment_for','processing_fee')->whereNull('is_deleted_at')->first(['id']); if (!isset($emiPayment->id)) { $amount = $data['amount'] - $application->emi->processing_fee; if($amount < 0){ return $data['amount']; } // if ($amount >= $application->emi->emi){ $this->reconcileWithProcessingFee = true; return $amount; // } } } } } return $data['amount']; } public function reconcileCurrentMonth($payment_date, $payment_reconciliation_date, $payment_status, $amount_received, $paymentData, $data){ $flag = false; if($payment_status != 'rejected' && $payment_status != 'initial_reject' && $payment_status != 'pending_from_bank') { $application_id = $paymentData['application_id']; $payment = EmiPayment::where('application_id', $application_id)->where('emi_date', '>=', Carbon::parse($payment_reconciliation_date)->startOfMonth()->toDateTimeString()) ->where('emi_date', '<=', Carbon::parse($payment_reconciliation_date)->endOfMonth()->toDateTimeString())->first(); if(isset($payment->id)) { $check_date = date('Y-m-d', (strtotime('-4 day', strtotime($payment->emi_date)))); if (isset($payment->id) && ($payment_date >= $payment->emi_date || $payment_date >= $check_date) && $payment->payment_status != "success" && $payment->amount_due) { $mode = $paymentData['mode']; $paid_by = $paymentData['paid_by']; $collected_by = $paymentData['collected_by']; $collected_by_type = $paymentData['collected_by_type']; $adjust_with_disbursement = $paymentData['adjust_with_disbursement']; $wallet_name = $paymentData['wallet_name']; $trasanction_id = $paymentData['trasanction_id']; $trasanction_acknowledgement = $paymentData['trasanction_acknowledgement']; $bank_id = $paymentData['bank_id']; $emi_payment_amount_received = $payment->total_payable - $payment->amount_due; $emi_amount_pending = ($payment->emi_amount - $emi_payment_amount_received); if ($emi_amount_pending) { $emi_payment_amount_received_updated = $payment->total_payable - $payment->amount_due - $payment->charges_waived; $total_emi_amount_pending = ($payment->total_payable - $emi_payment_amount_received_updated); if ($emi_amount_pending <= $amount_received) { $amount_setteled = $emi_amount_pending; $amount_received = $amount_received - $amount_setteled; if (($total_emi_amount_pending - $amount_setteled) > 0) { $emi_payment_status = 'partial'; } else { $emi_payment_status = 'success'; } } else { $amount_setteled = $amount_received; $amount_received = 0; if (($total_emi_amount_pending - $amount_setteled) == 0) { $emi_payment_status = 'success'; } else { $emi_payment_status = 'partial'; } } if (!isset($emi_payment_update)) { $emi_payment_update = EmiPayment::find($payment->id); } $emi_payment_amount_received = $emi_payment_amount_received + $amount_setteled; $total_payable = $payment->emi_amount + $payment->bounce_charges + $payment->delay_penalty; $amount_due = $total_payable - $emi_payment_amount_received - $payment->charges_waived; $emi_payment_update->payment_status = $emi_payment_status; $emi_payment_update->total_payable = $total_payable; $emi_payment_update->amount_due = $amount_due; $emi_payment_update->payment_date = $payment_date; $emi_payment_update->total_payable = $total_payable; $emi_payment_update->amount_due = $amount_due; $emi_payment_update->save(); $payment_transaction = new PaymentTransaction(); $payment_transaction->emi_payment_id = $payment->id; $payment_transaction->amount = $amount_setteled; $payment_transaction->mode = $mode; $payment_transaction->paid_by = $paid_by; $payment_transaction->payment_reconciliation_date = $payment_reconciliation_date; $payment_transaction->umrn = isset($data['umrn']) ? $data['umrn'] : ''; $payment_transaction->collected_by = $collected_by; $payment_transaction->collected_by_type = $collected_by_type; $payment_transaction->adjust_with_disbursement = $adjust_with_disbursement; $payment_transaction->wallet_name = $wallet_name; $payment_transaction->reason = isset($data['reason']) ? $data['reason'] : ''; $payment_transaction->trasanction_id = $trasanction_id; $payment_transaction->trasanction_acknowledgement = $trasanction_acknowledgement; $payment_transaction->application_id = $application_id; $payment_transaction->payment_for = "EMI"; $payment_transaction->payment_date = $payment_date; $payment_transaction->cf_transaction_id = $data['cf_transaction_id']; $payment_transaction->bank_id = $bank_id; $payment_transaction->status = isset($data['status']) ? $data['status'] : 'success'; $payment_transaction->save(); $statusLogs = ['emi_payment_id' => $emi_payment_update->id, 'status' => $emi_payment_status, 'reason' => isset($data['reason']) ? $data['reason'] : '', 'mode' => $mode]; $flag['amount_received'] = $amount_received; $flag['statusLogs'] = $statusLogs; } } } } return $flag; } public function reconcileWithProcessingFee($data){ $data['payment_type'] = 'processing_fee'; $application = ConsumerApplication::with('emi.offer')->where('id',$data['application_id'])->first(); $data['amount'] = $application->emi->processing_fee; $this->reconcileWithProcessingFee = false; $this->paymentReconcile($data); (new ConsumerApplicationController())->sendProcessingFeePDF($data['application_id'], true, true); } public function getLastDayOfMOnth($toodate){ $lastday = date('Y-m-d',strtotime(date('Y-m-',strtotime($toodate)).date('t',strtotime($toodate)))); return $lastday; } public function getLoanSchedule($id,$json = 0,$foreclosure = 0,$application = Null) { if($application == Null) { $application = ConsumerApplication::with('merchant', 'emi', 'application_element', 'emi.offer', 'emi_payment.transaction','moratoriums')->where('id', $id)->whereNull('is_deleted')->first(); } if($application->emi){ $loan_management = new LoanManagement(); //$loanamount = ((isset($application->approved_amount) && $application->approved_amount != 0) ? $application->approved_amount : $application->loan_amount) - $application->emi->upfront_from_customer; $loanamount = EMICalculation::getLoanAmountWithInsuranceAmount($id) - $application->emi->upfront_from_customer; $payment_details = array(); $emi_schedules = $loan_management->generateDues($id, 1, $application); foreach ($application->emi_payment as $payments) { $payment_details[$payments['emi_date']] = $payments; } $subvention_amount = (isset($application->emi->subvention) && $application->emi->subvention > 0) ? ((((isset($application->approved_amount) && $application->approved_amount != 0) ? $application->approved_amount : $application->loan_amount) * ($application->emi->subvention)) / 100) : 0; $amount_disbursed = $loanamount - $subvention_amount; $frequency_multiplier = $this->payment_frequency[$application->emi->payment_frequency]; // if (isset($application->emi->rate) && !empty($application->emi->rate) && isset($application->emi->irr_rate) && !empty($application->emi->irr_rate)) { // $rate = $application->emi->rate; // $annualised_interest = $application->emi->annualised_interest; // $irr_rate = $application->emi->irr_rate; // $annualised_irr = $application->emi->annualised_irr; // } else { $emis_array = array(); $emi_irr_array = array(); array_push($emis_array, -$loanamount); array_push($emi_irr_array, -($amount_disbursed)); if (isset($emi_schedules)) { foreach ($emi_schedules as $schedule) { array_push($emis_array, $schedule['amount']); array_push($emi_irr_array, $schedule['amount']); } } $rate = (Finance::irr($emis_array)) * 100; if ($rate < 0) { $rate = 0; } $irr_rate = (Finance::irr($emi_irr_array)) * 100; if ($irr_rate < 0) { $irr_rate = 0; } $annualised_interest = round((((($rate + 1) * $frequency_multiplier) - $frequency_multiplier) * 100) / 100, 2); $annualised_irr = round((((($irr_rate + 1) * $frequency_multiplier) - $frequency_multiplier) * 100) / 100, 2); // if ($rate > 0 && $annualised_interest > 0 && $irr_rate > 0 && $annualised_irr > 0) { // ApplicationEMICalculation::where('id', $application->emi->id) // ->update(['rate' => $rate, 'annualised_interest' => $annualised_interest, 'irr_rate' => $irr_rate, 'annualised_irr' => $annualised_irr]); // } // } $foreclosure_date = (isset($application->application_element->foreclosure_date) && !empty($application->application_element->foreclosure_date) && $application->application_element->foreclosure_date != "1970-01-01") ? $application->application_element->foreclosure_date : ''; if(isset($payment_details)){ $principal_oustanding = $loanamount; $principal_oustanding_subvention = $amount_disbursed; $subvention_amount_balance = $subvention_amount; foreach ($payment_details as $emi_date => $payment){ if($foreclosure_date == "" || $emi_date <= $foreclosure_date) { $payment_details[$emi_date]->interest = $principal_oustanding * ($rate / 100); $payment_details[$emi_date]->principal = $payment->emi_amount - $payment_details[$emi_date]->interest; $payment_details[$emi_date]->irr = $principal_oustanding_subvention * ($irr_rate / 100); $payment_details[$emi_date]->subvention = $payment_details[$emi_date]->irr - $payment_details[$emi_date]->interest; $subvention_amount_balance = $subvention_amount_balance - $payment_details[$emi_date]->subvention; $payment_details[$emi_date]->subvention_amount_balance = $subvention_amount_balance; $principal_oustanding = $principal_oustanding - $payment_details[$emi_date]->principal; $principal_oustanding_subvention = $principal_oustanding_subvention - $payment_details[$emi_date]->principal + $payment_details[$emi_date]->subvention; $payment_details[$emi_date]->principal_outstanding = $principal_oustanding; $payment_details[$emi_date]->principal_outstanding_subvention = $principal_oustanding_subvention; if($foreclosure_date != "" && $emi_date == $foreclosure_date){ $payment_details[$emi_date]->principal_outstanding = 0; $payment_details[$emi_date]->principal_outstanding_subvention = 0; } if ($foreclosure == 0) { $foreclosuredetails = $loan_management->getForeclosureAmount($id, $emi_date); $payment_details[$emi_date]->fore_closure_amount = isset($foreclosuredetails['future_emi']) ? $foreclosuredetails['future_emi'] : 0; } else { $payment_details[$emi_date]->fore_closure_amount = 0; } } } } $response['summary']['loan_amount'] = ((isset($application->approved_amount) && $application->approved_amount != 0) ? $application->approved_amount : $application->loan_amount); $response['summary']['loan_outstanding'] = $loanamount; $response['summary']['tenure'] = $application->emi->tenure; $response['summary']['remaining_emi'] = $application->emi->remaining_emi; $response['summary']['quoted_interest'] = $application->emi->interest_rate; $response['summary']['interest'] = $rate; $response['summary']['annualised_interest'] = $annualised_interest; $response['summary']['irr'] = $irr_rate; $response['summary']['annualised_irr'] = $annualised_irr; $response['summary']['subvention'] = $application->emi->subvention; $response['summary']['processing_fee'] = $application->emi->processing_fee; $response['summary']['emi'] = $application->emi->emi; $response['summary']['advance_due'] = $application->emi->upfront_from_customer; $response['summary']['last_emi_date'] = $application->emi->emi_date; $response['summary']['last_emi_date'] = $application->application_element->last_emi_date; $response['customer_name'] = $application->name; $response['id'] = $application->id; $response['summary']['merchant_name'] = $application->merchant->merchant_name; $response['summary']['net_disbursement_amount'] = (isset($application->emi->upfront_from_credit_fair) && $application->emi->upfront_from_credit_fair != 0) ? $application->emi->upfront_from_credit_fair : ((isset($application->approved_amount) && $application->approved_amount != 0) ? $application->approved_amount : $application->loan_amount); $response['schedule'] = $payment_details; if ($json == 0) { return view('admin.accounting.loanschedule', $response); } else { return $response; } }else { // (new Slack(new Request(['title' => 'Loan Schedule Emi Not Generated ', 'fields' => ['ID' => $id]])))->send(); } } public function creationBouncePenal($payload){ $payload_vals = $payload;//json_decode($payload[0]['payload']); $application_ids = $payload_vals->application_id; $application_ids = explode(',', $application_ids); $from_month = date('F-Y', strtotime($payload_vals->from_payment_date)); // $from_year = date('Y', strtotime($payload_vals->from_payment_date)); $to_month = date('F-Y', strtotime($payload_vals->to_payment_date)); $fromDate = date('Y-m-d H:i:s', strtotime($payload_vals->from_payment_date)); $toDate = date('Y-m-d H:i:s', strtotime($payload_vals->to_payment_date)); // $to_year = date('Y', strtotime($payload_vals->from_payment_date)); foreach ($application_ids as $application_id) { $bouncePenalTransactions = $this->getBouncePenalData($application_id); $job = JobProvider::where('from','bounce_invoices_creation')->where('id','!=', 545621)->where('application_id', $application_id)->where('payload', 'like','%2021-05%')->first(['id','payload']); if(isset($job->id)){ continue; } $application = ConsumerApplication::with('settlement_payment')->find($application_id); $response = []; // if ($bouncePenalTransactions[$application_id]) { // Get all bounce/penal settlements within date range if (isset($application->settlement_payment)) { $filteredSettlements = $application->settlement_payment ->whereIn('payment_for', ['settled_bounce', 'settled_penal']) ->filter(function ($item) use ($fromDate, $toDate) { return $item->payment_date >= $fromDate && $item->payment_date <= $toDate; }); if ($filteredSettlements) { foreach ($filteredSettlements as $settlement) { $paymentMonth = date('Y-m-d', strtotime($settlement->payment_date)); $entryTime = $settlement->cf_transaction_id; $amount = $settlement->amount; if ($amount > 0) { $key = $paymentMonth . '|' . $entryTime; if ($settlement->payment_for === 'settled_bounce') { $bouncePenalTransactions[$application_id]['month'][$key]['bounces_charges'] = $amount; } if ($settlement->payment_for === 'settled_penal') { $bouncePenalTransactions[$application_id]['month'][$key]['penal_interest'] = $amount; } $bouncePenalTransactions[$application_id]['month'][$key]['payment_date'] = $settlement->payment_date; } } } // } } if($bouncePenalTransactions) { foreach ($bouncePenalTransactions as $monthWiseItem) { foreach ($monthWiseItem['month'] as $monthWiseIndex => $item) { $date = explode('|', $monthWiseIndex)[0] ?? ''; if (isset($item['payment_date']) && ($from_month == date('F-Y', strtotime($date)) || $to_month == date('F-Y', strtotime($date)))) { $response[] = [ 'bounce_charges' => $item['bounces_charges'] ?? 0, 'penal_interest' => $item['penal_interest'] ?? 0, 'payment_date' => $item['payment_date'], 'timestamp' => explode('|', $monthWiseIndex)[1] ?? '' ]; } } } } if ($response) { $this->saveInvoices($response, $application_id); } } (new Slack(new Request(['title' => 'Bounce Penal Invoice Creation', 'fields' => ['From' => $from_month, 'To' => $to_month], 'group' => Slack::$accounting_entries])))->send(); /*$transactions = EmiPayment::with('transaction')->whereIn('id', [6467,6468])->get(); $response = []; $application_id = 0; $payment_date = ''; foreach ($transactions as $emi_payment){ $application_id = $emi_payment->application_id; if ($emi_payment->transaction) { $amount_received = 0; foreach ($emi_payment->transaction as $transaction) { $amount_received = $amount_received + $transaction->amount; $payment_date = $transaction->payment_date; } if (!isset($response[$emi_payment->emi_date]['emi_amount'])) { $response[$emi_payment->emi_date]['emi_amount'] = 0; $response[$emi_payment->emi_date]['bounce_charges'] = 0; $response[$emi_payment->emi_date]['penal_interest'] = 0; $response[$emi_payment->emi_date]['payment_date'] = $payment_date; } if ($amount_received > $emi_payment->emi_amount) { $response[$emi_payment->emi_date]['emi_amount'] += $emi_payment->emi_amount; $amount_received = $amount_received - $emi_payment->emi_amount; if ($amount_received > $emi_payment->bounce_charges) { $response[$emi_payment->emi_date]['bounce_charges'] += $emi_payment->bounce_charges; $amount_received = $amount_received - $emi_payment->bounce_charges; if ($amount_received > 0) { $response[$emi_payment->emi_date]['penal_interest'] += $emi_payment->delay_penalty; } } else { $response[$emi_payment->emi_date]['bounce_charges'] += $amount_received; } } else { $response[$emi_payment->emi_date]['emi_amount'] += $amount_received; } } } return $response; $data = []; foreach ($response as $emi_date => $item){ $data[date('Y-m-d',strtotime($item['payment_date']))][] = $item; } foreach ($data as $item){ } return $data;*/ } public function reviseBouncePenal($id, $application_id, $type, $user_id){ $bouncePenalTransactions = $this->getBouncePenalData($application_id); $application = ConsumerApplication::with('settlement_payment')->find($application_id); // if ($bouncePenalTransactions[$application_id]) { $filteredSettlements = $application->settlement_payment ->whereIn('payment_for', ['settled_bounce', 'settled_penal']); foreach ($filteredSettlements as $settlement) { $paymentMonth = date('Y-m-d', strtotime($settlement->payment_date)); $entryTime = $settlement->cf_transaction_id; $amount = $settlement->amount; if ($amount > 0) { $key = $paymentMonth . '|' . $entryTime; if ($settlement->payment_for === 'settled_bounce') { $bouncePenalTransactions[$application_id]['month'][$key]['settled_bounce'] = $amount; } if ($settlement->payment_for === 'settled_penal') { $bouncePenalTransactions[$application_id]['month'][$key]['settled_penal'] = $amount; } $bouncePenalTransactions[$application_id]['month'][$key]['payment_date'] = $settlement->payment_date; } } // } $response = []; foreach ($bouncePenalTransactions as $monthWiseItem) { foreach ($monthWiseItem['month'] as $monthWiseIndex => $item) { if (isset($item['payment_date'])){ $response[] = [ 'bounce_charges' => $item['bounces_charges'] ?? 0, 'settled_bounce' => $item['settled_bounce'] ?? 0, 'settled_penal' => $item['settled_penal'] ?? 0, 'penal_interest' => $item['penal_interest'] ?? 0, 'payment_date' => $item['payment_date'], 'timestamp' => explode('|', $monthWiseIndex)[1] ?? '' ]; } } } if ($response) { $revised_data = $this->saveInvoices($response, $application_id, true, $id,$type); $log = [ 'application_id' => $application_id, 'changes' => json_encode($revised_data), '_id' => $id, 'type' => $type, 'revised_by' => $user_id, 'created_at'=> Carbon::now()->toDateTimeString(), 'updated_at'=> Carbon::now()->toDateTimeString(), ]; (new InvoiceRevisionLog)->fill($log)->save(); (new Slack(new Request(['title' => 'Bounce Penal Invoice revision', 'fields' => ['Application id' => $application_id], 'group' => Slack::$accounting_entries])))->send(); return true; } return false; } public function saveInvoices($response, $application_id, $revise = false, $revise_id='', $revise_type=''){ $application = ConsumerApplication::with('application_element','lender','proFormaInvoice')->where('id',$application_id)->first(); $applicationController = new ConsumerApplicationController(); $responseData = []; foreach ($response as $item) { if($invoiceData = $this->getInvoice($applicationController, $item['bounce_charges'], $application, $item, 'bounce', $revise, $revise_id, $revise_type)){ $responseData[] = $invoiceData; $this->saveInvoiceS3($applicationController, ['invoice' => $invoiceData, 'application' => $application, 'type' => 'bounce'], $application_id); if($revise){ ChargedInvoices::find($revise_id)->fill($invoiceData)->save(); }else{ (new ChargedInvoices())->fill($invoiceData)->save(); } } if($invoiceData = $this->getInvoice($applicationController, $item['penal_interest'], $application, $item, 'penal', $revise, $revise_id, $revise_type)){ $responseData[] = $invoiceData; $this->saveInvoiceS3($applicationController, ['invoice' => $invoiceData, 'application' => $application, 'type' => 'penal'], $application_id); if($revise){ ChargedInvoices::find($revise_id)->fill($invoiceData)->save(); }else{ (new ChargedInvoices())->fill($invoiceData)->save(); } } } if ($this->duplicateInvoiceIDSeries && $this->duplicateInvoiceIDSeriesData){ $this->sendDuplicateInvoiceData(); } if($revise){ return $responseData; } } public function sendDuplicateInvoiceData(){ try { $request = new Request(['data' => $this->duplicateInvoiceIDSeriesData, 'sheet' => 'Sheet1']); $file = 'Duplicate Invoice Data.xls'; Excel::store((new Exporter($request)), $file); Mail::send('emails.reminders.basic_reminder', [ 'body' => 'Duplicate Invoice Data', ], function ($message) use ($file) { $message->to(['sunil@creditfair.in']) ->cc(['suoyg@creditfair.in']) ->subject('Duplicate Invoice Data'); $message->attachData(file_get_contents(storage_path() . '/app/' . $file), $file); }); }catch (\Exception $e){ $cwFactory = new CloudWatchLoggerFactory(); $cwFactory->logger(json_encode(['message' => 'Duplicate Invoice Exception', 'Total Duplicates' => count($this->duplicateInvoiceIDSeriesData), 'Message' => $e->getMessage(), 'File' => $e->getFile(), 'Trace' => $e->getTraceAsString()])); } } public function saveInvoiceS3(ConsumerApplicationController $applicationController, $invoiceData, $application_id){ $invoiceData['address'] = $applicationController->getAddressByType($invoiceData['application']); $data = [ 'txt' => view('admin.documents.charged_invoice', $invoiceData), 'type' => $invoiceData['type'].'_'.$invoiceData['invoice']['invoice_id'] ]; $requestDocument = new Request(); if (isset($invoiceData['test_bot']) && $invoiceData['test_bot']){ $data['test_bot'] = 1; $requestDocument->merge(['test_bot' => 1]); } $request = new Request(); $request->request->add($data); $applicationController->uploadToS3(new ConsumerDocument($requestDocument), $request, $application_id); } public function getInvoice(ConsumerApplicationController $applicationController, $amount, $application, $item, $type, $revise, $revise_id, $revise_type){ if($revise) { $chargedInvoice = ChargedInvoices::where('id', $revise_id)->where('type', $revise_type)->where('application_id', $application->id)->first(); }else{ $chargedInvoice = ChargedInvoices::where('invoice_date', $item['payment_date'])->where('version', $item['timestamp'])->where('application_id', $application->id)->where('type', $type)->first(); } if((!$revise && !isset($chargedInvoice->id)) || ($revise && isset($chargedInvoice->id) && !empty($chargedInvoice->invoice_id) && $revise_type == $type)) { $_gstDetails = (new ConsumerDocument(new Request()))->getGSTDetails( [ 'amount' => $amount, 'state' => (isset($application->permanent_address_state) && !empty($application->permanent_address_state)) ? $application->permanent_address_state : (isset($application->current_address_state) && !empty($application->current_address_state) ? $application->current_address_state : '') ] ); $gstData = (isset($_gstDetails[0])) ? $_gstDetails[0]['amount'] : 0; if ($gstData) { $gstDetails = $_gstDetails[0]; $invoiceID = $revise && isset($chargedInvoice->invoice_id) ? $chargedInvoice->invoice_id : $this->getInvoiceNumberV1($applicationController, $application, $type); if (in_array($invoiceID, $this->invoiceIDSeries)){ $this->duplicateInvoiceIDSeries[] = $invoiceID; $invoiceID = $revise && isset($chargedInvoice->invoice_id) ? $chargedInvoice->invoice_id : $this->getInvoiceNumberV1($applicationController, $application, $type); if (in_array($invoiceID, $this->invoiceIDSeries)){ $this->duplicateInvoiceIDSeriesData[] = [ 'application_id' => $application->id, 'lender_id' => $application->lender_id, 'invoice_id' => $invoiceID, 'amount' => $gstDetails['amount'], 'invoice_date' => $item['payment_date'], 'type' => $type, 'version' => $item['timestamp'], ]; return false; } } $this->invoiceIDSeries[] = $invoiceID; return [ 'application_id' => $application->id, 'lender_id' => $application->lender_id, 'invoice_id' => $invoiceID, 'amount' => $gstDetails['amount'], 'net_amount' => $type == 'penal' ? $gstDetails['amount'] : $gstDetails['net_amount'], 'igst' => $type == 'penal' ? 0 : ($gstDetails['taxes'] == 'IGST' ? $gstDetails['gst_amount'] : 0), 'cgst' => $type == 'penal' ? 0 : ($gstDetails['taxes'] != 'IGST' ? $gstDetails['gst_amount'] : 0), 'sgst' => $type == 'penal' ? 0 : ($gstDetails['taxes'] != 'IGST' ? $gstDetails['gst_amount'] : 0), 'invoice_date' => $item['payment_date'],//'2021-06-30',//Carbon::now()->toDateString(), 'type' => $type, 'version' => $item['timestamp'], 'getGSTDetails' => $_gstDetails, 'created_at' => $revise && isset($chargedInvoice->invoice_id) ? $chargedInvoice->created_at : Carbon::now()->toDateTimeString(), 'updated_at' => $revise && isset($chargedInvoice->invoice_id) ? $chargedInvoice->updated_at : Carbon::now()->toDateTimeString(), ]; } } return false; } public function getInvoiceNumber(ConsumerApplicationController $applicationController, $application, $type){ //CF-5101001-19-20 $financialYear = $applicationController->getFinancialYear(false, true); $invoice = ChargedInvoices::where('lender_id', $application->lender_id)->where('invoice_id', 'like', '%' . $financialYear . '%')->where('type',$type) ->orderBy('invoice_id', 'desc')->first(['invoice_id']); if (isset($invoice->invoice_id)) { $invoiceData = ($type == 'bounce' && strpos($invoice->invoice_id, '-B')) ? explode('-B', $invoice->invoice_id) : (($type == 'penal' && strpos($invoice->invoice_id, '-I')) ? explode('-I', $invoice->invoice_id) : explode('-', $invoice->invoice_id)); $invoiceID = isset($invoiceData[1]) ? (int)substr($invoiceData[1], 1) : ''; $id = $invoiceID + 1; } else { $id = 1; } $concatstring = ""; if (strlen($id) < 6) { $diff = 6 - strlen($id); for ($i = 0; $i < $diff; $i++) { $concatstring = $concatstring . "0"; } } $fistChrInvoice = $application->lender_id + 3; if($type == 'bounce') return 'CF-B'. $fistChrInvoice . $concatstring . $id . '-' . $financialYear; return 'CF-I'. $fistChrInvoice . $concatstring . $id . '-' . $financialYear; } public function getInvoiceNumberV1(ConsumerApplicationController $applicationController, $application, $type){ //CF-5101001-19-20 $financialYear = $applicationController->getFinancialYear(false, true); $invoice = ChargedInvoices::where('lender_id', $application->lender_id)->where('invoice_id', 'like', '%-' . $financialYear)->where('type',$type) ->orderBy('invoice_id', 'desc')->first(['invoice_id']); if (isset($invoice->invoice_id)) { $invoiceData = ($type == 'bounce' && strpos($invoice->invoice_id, '-B')) ? explode('-B', $invoice->invoice_id) : (($type == 'penal' && strpos($invoice->invoice_id, '-I')) ? explode('-I', $invoice->invoice_id) : explode('-', $invoice->invoice_id)); $invoiceID = isset($invoiceData[1]) ? (int)substr($invoiceData[1], 1) : ''; $id = $invoiceID + 1; } else { $id = 1; } $concatstring = ""; if (strlen($id) < 7) { $diff = 7 - strlen($id); for ($i = 0; $i < $diff; $i++) { $concatstring = $concatstring . "0"; } } // $fistChrInvoice = $application->lender_id + 3; if($type == 'bounce'){ switch ($application->lender_id){ case 2 : return 'CF-B'. $concatstring . $id . '-' . $financialYear; case 3 : return 'AV-B'. $concatstring . $id . '-' . $financialYear; case 4 : return 'AB-B'. $concatstring . $id . '-' . $financialYear; case 5 : return 'LB-B'. $concatstring . $id . '-' . $financialYear; case 6 : return 'UC-B'. $concatstring . $id . '-' . $financialYear; case 7 : return 'LL-B'. $concatstring . $id . '-' . $financialYear; case 8 : return 'IB-B'. $concatstring . $id . '-' . $financialYear; case 9 : return 'JM-B'. $concatstring . $id . '-' . $financialYear; case 10 : return 'SC-B'. $concatstring . $id . '-' . $financialYear; case 11 : return 'KM-B'. $concatstring . $id . '-' . $financialYear; case 12 : return 'VC-B'. $concatstring . $id . '-' . $financialYear; case 13 : return 'US-B'. $concatstring . $id . '-' . $financialYear; case 15 : return 'MD-B'. $concatstring . $id . '-' . $financialYear; case 16 : return 'CG-B'. $concatstring . $id . '-' . $financialYear; case 17 : return 'CP-B'. $concatstring . $id . '-' . $financialYear; case 18 : return 'SF-B'. $concatstring . $id . '-' . $financialYear; } }elseif($type == 'penal'){ switch ($application->lender_id){ case 2 : return 'CF-I'. $concatstring . $id . '-' . $financialYear; case 3 : return 'AV-I'. $concatstring . $id . '-' . $financialYear; case 4 : return 'AB-I'. $concatstring . $id . '-' . $financialYear; case 5 : return 'LB-I'. $concatstring . $id . '-' . $financialYear; case 6 : return 'UC-I'. $concatstring . $id . '-' . $financialYear; case 7 : return 'LL-I'. $concatstring . $id . '-' . $financialYear; case 8 : return 'IB-I'. $concatstring . $id . '-' . $financialYear; case 9 : return 'JM-I'. $concatstring . $id . '-' . $financialYear; case 10 : return 'SC-I'. $concatstring . $id . '-' . $financialYear; case 11 : return 'KM-I'. $concatstring . $id . '-' . $financialYear; case 12 : return 'VC-I'. $concatstring . $id . '-' . $financialYear; case 13 : return 'US-I'. $concatstring . $id . '-' . $financialYear; case 15 : return 'MD-I'. $concatstring . $id . '-' . $financialYear; case 16 : return 'CG-I'. $concatstring . $id . '-' . $financialYear; case 17 : return 'CP-I'. $concatstring . $id . '-' . $financialYear; case 18 : return 'SF-I'. $concatstring . $id . '-' . $financialYear; } } return true; } public function updateAdvanceAmount($data,$payment_for = "Advance Payment",$application_id){ $payment_transaction = new PaymentTransaction(); $payment_transaction->emi_payment_id = 0; $payment_transaction->amount = $data['advance_amount']; $payment_transaction->mode = $data['mode']; $payment_transaction->paid_by = $data['paid_by']; $payment_transaction->collected_by = $data['collected_by']; $payment_transaction->collected_by_type = $data['collected_by_type'] ?? 1; $payment_transaction->adjust_with_disbursement = $data['adjust_with_disbursement'] ?? 0; $payment_transaction->wallet_name = $data['wallet_name']; $payment_transaction->trasanction_id = $data['trasanction_id']; $payment_transaction->reason = $data['reason'] ?? ''; $payment_transaction->trasanction_acknowledgement = $data['trasanction_acknowledgement']; $payment_transaction->payment_date = Carbon::parse($data['payment_date'])->format('Y-m-d'); $payment_transaction->cf_transaction_id = $data['cf_transaction_id']; $payment_transaction->bank_id = $data['bank_id'] ?? ''; $payment_transaction->payment_reconciliation_date = $data['payment_reconciliation_date'] ?? $data['payment_date'];; $payment_transaction->payment_for = $payment_for; $payment_transaction->application_id = $application_id; $payment_transaction->status = $data['status'] ?? 'success'; $payment_transaction->save(); if($payment_for == 'Over Payment') { $applications = ConsumerApplication::where('id', $application_id)->first(); if($applications) { $name = (isset($applications->name)) ? $applications->name : "customer"; $amount = $data['advance_amount']; $payment_date = $data['payment_date']; $url = asset("admin/payment/start_v1/" . $application_id); (new Slack(new Request(['title' => 'Over Payment', 'fields' => ['Name' => $name, 'Over Payment Amount' => $amount, 'Payment Date' => $payment_date, 'URL' =>$url ], 'group' => 'payment_collection'])))->send(); } } } public function sendPaymentMessage($application_id, $payment, $isSuccess,$purpose){ if($isSuccess == 'success'){ $template_id = 6; if($purpose == 'processing_fee'){ $template_id = 8; }elseif($purpose == 'legal_charges'){ return true; }elseif($purpose == 'insurance_fee'){ $template_id = 9; }elseif($purpose == 'advance_amount'){ $template_id = 10; }else if(in_array($purpose, ['collection_charges'])){ return true; }else if($purpose == 'total_fee'){ $template_id = 11; } $applicationController = new ConsumerApplicationController(); $data = $applicationController->getTemplateReminders($template_id, $application_id, $payment); $data = $data->getData(); //$data->email_id_test = ['aditya@creditfair.in','shraddha@creditfair.in','imran@creditfair.in','ashish@creditfair.in']; if (isset($data->email) && !empty($data->email)) { \Mail::send('emails.blank', ['body' => $data->body] , function ($message) use ($data) { $message->to($data->email)->subject($data->subject); //$message->cc('payments@creditfair.in'); }); // $mobile = '918850077108'; // send_sms($mobile, $data->sms); } if (isset($data->mobile_number) && !empty($data->mobile_number) && isset($data->sms)) { $mobile = '91' . $data->mobile_number; send_sms($mobile, ['message'=>$data->sms,'id'=>$application_id,'id_type'=>'application_id','message_type'=>"payment", 'templateId' => isset($data->templateId) ? $data->templateId : '', 'args' => isset($data->args) ? $data->args : '', 'templateDetails'=>isset($data->templateDetails)?$data->templateDetails :'']); } } } public function updateAdvanceEMI($application,$amount_received,$data){ foreach($application->emi_payment as $emi_payment){ if(((isset($emi_payment->update_status) && $emi_payment->update_status != "Done") || (!isset($emi_payment->update_status))) && $amount_received > 0 && (!isset($application->application_element->foreclosure_date) || empty($application->application_element->foreclosure_date) || $application->application_element->foreclosure_date == "1970-01-01" || $application->application_element->foreclosure_date >= $emi_payment->emi_date)){ $amount_paid = 0; foreach ($emi_payment->transaction as $payment_transaction_check){ if($payment_transaction_check->status == 'success' && !$payment_transaction_check->refunded_at) { $amount_paid = $amount_paid + $payment_transaction_check->amount; } } $emi_amount_pending = $emi_payment->emi_amount - $amount_paid; if ($emi_amount_pending <= $amount_received) { $amount_setteled = $emi_amount_pending; $amount_received = $amount_received - $amount_setteled; $emi_payment_status = 'success'; }else{ $amount_setteled = $amount_received; $amount_received = 0; if($emi_payment->emi_amount == $amount_setteled){ $emi_payment_status = 'success'; }else{ $emi_payment_status = 'partial'; } } if(!isset($emi_payment_update)){ $emi_payment_update = EmiPayment::find($emi_payment->id); } $emi_payment_update->payment_status = $emi_payment_status; $emi_payment_update->payment_date = Carbon::parse($data['payment_date'])->format('Y-m-d'); $emi_payment_update->save(); $payment_transaction = new PaymentTransaction(); $payment_transaction->emi_payment_id = $emi_payment->id; $payment_transaction->amount = $amount_setteled; $payment_transaction->mode = $data['mode']; $payment_transaction->paid_by = $data['paid_by']; $payment_transaction->payment_reconciliation_date = isset($data['payment_reconciliation_date']) ? $data['payment_reconciliation_date'] : $data['payment_date'];; $payment_transaction->umrn = isset($data['umrn']) ? $data['umrn'] : ''; $payment_transaction->collected_by = $data['collected_by']; $payment_transaction->collected_by_type = isset($data['collected_by_type']) ? $data['collected_by_type'] : 1; $payment_transaction->adjust_with_disbursement = isset($data['adjust_with_disbursement']) ? $data['adjust_with_disbursement'] : 0; $payment_transaction->wallet_name = $data['wallet_name']; $payment_transaction->reason = isset($data['reason']) ? $data['reason'] : ''; $payment_transaction->trasanction_id = $data['trasanction_id']; $payment_transaction->trasanction_acknowledgement = $data['trasanction_acknowledgement']; $payment_transaction->application_id = $application->id; $payment_transaction->payment_for = "EMI"; $payment_transaction->payment_date = Carbon::parse($data['payment_date'])->format('Y-m-d'); $payment_transaction->cf_transaction_id = $data['cf_transaction_id']; $payment_transaction->bank_id = isset($data['bank_id']) ? $data['bank_id'] : "";; $payment_transaction->status = isset($data['status']) ? $data['status'] : 'success'; $payment_transaction->save(); } } return ['amount_received' => $amount_received]; } /** * Check whether the total settlement amount (already received + parked + new payment) * meets the agreed amount_to_be_received from the latest Settlement CollectionAction. * * If the threshold is NOT yet met, the current payment is saved to parked_transactions * and this method returns false so the caller skips reconciliation. * * If the threshold IS met, returns true so reconciliation proceeds. */ private function isSettlementAmountFulfilled($application_id, $new_amount, &$data_update) { $settlementAction = CollectionAction::where('application_id', $application_id) ->where('dispo_code', 'Settlement') ->orderBy('created_at', 'desc') ->first(['amount_to_be_received', 'ptp_date']); $amountToBeReceived = $settlementAction ? (float) $settlementAction->amount_to_be_received : 0; $ptpDate = $settlementAction ? $settlementAction->ptp_date : null; $totalParked = (float) ParkedTransaction::where('application_id', $application_id) ->where('reconciliation_status', 'parked') ->when($ptpDate, function ($q) use ($ptpDate) { $q->where('payment_date', '<=', $ptpDate); }) ->sum('amount'); $totalCollected = $totalParked + (float) $new_amount; // Threshold not met — park this payment and return false ParkedTransaction::create([ 'application_id' => $application_id, 'amount' => $new_amount, 'payment_date' => $data_update['payment_date'], 'payment_reconciliation_date'=> $data_update['payment_reconciliation_date'], 'payment_for' => $data_update['payment_for'], 'payment_mode' => $data_update['payment_mode'], 'trasanction_id' => $data_update['trasanction_id'], 'cf_transaction_id' => $data_update['cf_transaction_id'], 'trasanction_acknowledgement'=> $data_update['trasanction_acknowledgement'], 'online_payment_id' => $data_update['online_payment_id'], 'payment_status' => $data_update['payment_status'], 'wallet_name' => $data_update['wallet_name'], 'bank_id' => $data_update['bank_id'], 'paid_by' => $data_update['paid_by'], 'collected_by' => $data_update['collected_by'], 'collected_by_type' => $data_update['collected_by_type'], 'umrn' => $data_update['umrn'], 'reason' => $data_update['reason'], 'status' => $data_update['status'], 'adjust_with_disbursement' => $data_update['adjust_with_disbursement'], 'is_verify' => $data_update['is_verify'], 'reconciliation_status' => 'parked', ]); if ($totalCollected >= $amountToBeReceived) { $data_update['amount'] = $totalCollected; return true; } return false; } public function paymentCalculateWithoutCharges($id = 0, $payment_date = '',$case_type = 'disbursed', $isMoratorium = false){ $payment_date_original = $payment_date; if($payment_date == ''){ $payment_date = date('Y-m-d'); } $application_id = idStringtoArray($id); $applications = ConsumerApplication::with('merchant','centers','emi','proFormaInvoice','application_element','emi_payment.transaction','moratoriums'); if($application_id){ $applications = $applications->whereIn('id',$application_id); }elseif($case_type == 'disbursed'){ $applications = $applications->whereIn('state',$this->status); } $applications = $applications->get(); $delayDays = []; foreach ($applications as $application) { if (!($application->emi) || $application->emi->emi < 1) { //(new Slack(new Request(['title' => 'Payment Calculate', 'fields' => ['ID' => $application->id]])))->send(); } else { if ((isset($application->application_element->foreclosure_date) && !empty($application->application_element->foreclosure_date) && $application->application_element->foreclosure_date != "1970-01-01")) { $foreclosure_date = $application->application_element->foreclosure_date; } else { $foreclosure_date = ""; } $emi_schedules = $this->generateDues($application->id, 0, $application); $emi_dates = array(); foreach ($emi_schedules as $emi_date => $emis) { array_push($emi_dates, $emi_date); } foreach ($application->emi_payment as $emi_payment) { if ($foreclosure_date == '' || $foreclosure_date >= $emi_payment->emi_date) { if (in_array($emi_payment->emi_date, $emi_dates)) { $emi_date = $emi_payment->emi_date; if ($emi_payment->payment_status != "success") { $emi_charges = $this->getBounceChargesV1($emi_payment->emi_amount, $emi_date, $emi_payment->transaction, $payment_date_original, 0, $application->id); if($emi_charges['delay_days']) { $delayDays[] = ['application_id' => $emi_payment->application_id, 'delay_days' => $emi_charges['delay_days'], 'emi_payment_id' => $emi_payment->id, 'created_at' => Carbon::now()->toDateTimeString()]; } } else { $emi_charges = $this->getBounceChargesV1($emi_payment->emi_amount, $emi_date, $emi_payment->transaction, $payment_date_original, 0, $application->id); if($emi_charges['delay_days']) { $delayDays[] = ['application_id' => $emi_payment->application_id, 'delay_days' => $emi_charges['delay_days'], 'emi_payment_id' => $emi_payment->id, 'created_at' => Carbon::now()->toDateTimeString()]; } } $emi_schedules[$emi_date]['status'] = 'Done'; } } } foreach ($emi_schedules as $emi_date => $emi_schedule) { if ($emi_schedule['status'] == 'pending' && ($foreclosure_date == '' || $foreclosure_date >= $emi_date)) { $emi_charges = $this->getBounceChargesV1($emi_schedule['amount'], $emi_date, array(), $payment_date, 0, $application->id); if($emi_charges['delay_days']) { $delayDays[] = ['application_id' => $emi_schedules['id'], 'delay_days' => $emi_charges['delay_days'], 'emi_payment_id' => $emi_schedule['emi_id'], 'created_at' => Carbon::now()->toDateTimeString()]; } $emi_schedules[$emi_date]['status'] = 'Done'; } } } } //Without Penalty if($delayDays) { DelayPenalty::insert($delayDays); } } private function updatePaymentStatus($id){ $emi_payments = EmiPayment::where('application_id', $id)->where('amount_due', '>', 0)->where('payment_status', 'success')->get(['id', 'amount_due']); if(isset($emi_payments[0]->id)) { foreach ($emi_payments as $payment) { EmiPayment::where('id', $payment->id)->update(['payment_status' => 'partial']); } } } public function paymentCalculate($id = 0, $payment_date = '',$case_type = 'disbursed', $isMoratorium = false){ if (!is_array($id) && $this->payment_entry_page) { $repaymentController = new RepaymentController(); //$repaymentController->update_bounce_penal($id); $repaymentController->update_over_due($id); (new ConsumerApplicationController())->updateProcessFeesPayment($id); (new ConsumerApplicationController())->updateLegalChargesPayment($id); $this->updatePaymentStatus($id); } return false; $is_pre_payment = PaymentTransaction::where('application_id',$id)->whereIn('payment_for',['pre_part_payment'])->whereNull('is_deleted_at')->first(['id']); if (isset($is_pre_payment->id)){ return false; } $payment_date_original = $payment_date; if($payment_date == ''){ $payment_date = date('Y-m-d'); } if($this->isCron){ $application_id = $id; }else{ $application_id = idStringtoArray($id); } $applications = ConsumerApplication::with('merchant','centers','emi','proFormaInvoice','emi_payment.transaction','application_element','moratoriums'); if($application_id){ $applications = $applications->whereIn('id',$application_id); }elseif($case_type == 'disbursed'){ $applications = $applications->whereIn('state',$this->status); } $applications = $applications->whereNull('is_deleted')->get(); foreach ($applications as $application) { (new ConsumerApplicationController())->updateProcessFeesPayment($application->id); (new ConsumerApplicationController())->updateLegalChargesPayment($application->id); $repaymentController = new RepaymentController(); $rps_exist = $repaymentController->checkRPSExists($id); if($rps_exist){ $repaymentController->getPaymentCalculations($application->id); }else { if (!($application->emi) || $application->emi->emi < 1) { // (new Slack(new Request(['title' => 'Payment Calculate', 'fields' => ['ID' => $application->id]])))->send(); } else { if ((isset($application->application_element->foreclosure_date) && !empty($application->application_element->foreclosure_date) && $application->application_element->foreclosure_date != "1970-01-01")) { $foreclosure_date = $application->application_element->foreclosure_date; } else { $foreclosure_date = ""; } $foreclosure_amount = PaymentTransaction::where('application_id', $application_id)->where('payment_for', 'Foreclosure')->whereNull('is_deleted_at')->whereNull('deleted_by')->first(); $writeOff_amount = PaymentTransaction::where('application_id', $application_id)->where('payment_for', 'Write-off')->whereNull('is_deleted_at')->whereNull('deleted_by')->first(); $emi_schedules = $this->generateDues($application->id, 0, $application); if (in_array($application->id, [246136, 233264])) { foreach ($application->emi_payment as $_emi_payment) { $emi_schedules[$_emi_payment->emi_date] = [ 'due_date' => $_emi_payment->due_date, 'amount' => $_emi_payment->amount, 'status' => 'pending', 'moratorium_amount' => 0, ]; } } $emi_dates = array(); foreach ($emi_schedules as $emi_date => $emis) { array_push($emi_dates, $emi_date); } $this->updateMoratoriumAmount($emi_schedules); $outstanding_over_due = 0; $outstanding_principal_due = 0; $total_principal_due = 0; $total_over_due = 0; $last_emi_date = ''; $emi_paid = 0; $emi_pending = 0; foreach ($application->emi_payment as $emi_payment) { if ($foreclosure_date == '' || $foreclosure_date > $emi_payment->emi_date) { if (in_array($emi_payment->emi_date, $emi_dates)) { $emi_date = $emi_payment->emi_date; $last_emi_date = $emi_date; if ($emi_payment->payment_status != "success") { $emi_charges = $this->getBounceCharges($emi_payment->emi_amount, $emi_payment->due_date, $emi_date, $emi_payment->transaction, $payment_date_original, 0, $emi_payment->application_id); $total_payable = (($emi_payment->emi_amount) + $emi_charges['bounce_charges'] + $emi_charges['penal_interest']) - $emi_payment->charges_waived; $amount_due = $emi_payment->emi_amount - $emi_charges['amount_received']; if($emi_charges['amount_received'] >= $emi_payment->emi_amount){ $amount_due = 0; } $amount_over_due = $total_payable - $emi_charges['amount_received']; $outstanding_principal_due = $outstanding_principal_due + $amount_due; $outstanding_over_due = $outstanding_over_due + $amount_over_due; if ($emi_date < date('Y-m-d')) { $total_principal_due = $total_principal_due + $amount_due; $total_over_due = $total_over_due + $amount_over_due; } $emi_update = EmiPayment::find($emi_payment->id); if ($emi_update) { $emi_update->bounce_charges = $emi_charges['bounce_charges']; $emi_update->delay_penalty = $emi_charges['penal_interest']; $emi_update->total_payable = $total_payable; $emi_update->amount_due = $amount_over_due; $emi_update->due_date = $emi_schedules[$emi_payment->emi_date]['due_date']; $emi_update->delay_days = $emi_charges['delay_days']; if ($emi_payment->payment_status == 'success' || $emi_payment->payment_status == 'pending' || $emi_payment->payment_status == 'partial' || $emi_payment->payment_status == 'rejected') { $emi_update->payment_status = ($amount_over_due == 0) ? 'success' : (($amount_over_due > 0 && $emi_charges['amount_received'] > 0) ? "partial" : "pending"); } if (($application->moratoriums && count($application->moratoriums) && $emi_schedules[$emi_payment->emi_date]['amount'] != $emi_payment->emi_amount) || $isMoratorium) { $emi_update->emi_amount = $emi_schedules[$emi_payment->emi_date]['amount']; } $emi_update->save(); } $emi_pending = $emi_pending + 1; } else { $emi_charges = $this->getBounceCharges($emi_payment->emi_amount, $emi_payment->due_date, $emi_date, $emi_payment->transaction, $payment_date_original, 0, $emi_payment->application_id); $total_payable = (($emi_payment->emi_amount) + $emi_payment->bounce_charges + $emi_payment->delay_penalty) - $emi_payment->charges_waived; $amount_over_due = $total_payable - $emi_charges['amount_received']; $emi_paid = $emi_paid + 1; //if ($emi_payment->amount_due > 0) { $emi_update = EmiPayment::find($emi_payment->id); $emi_update->total_payable = $total_payable; $emi_update->amount_due = 0; if ($amount_over_due > 0) { $emi_update->amount_due = $amount_over_due; $emi_update->delay_days = $emi_charges['delay_days']; $emi_update->due_date = $emi_schedules[$emi_payment->emi_date]['due_date']; if ($emi_payment->payment_status == 'success' || $emi_payment->payment_status == 'pending' || $emi_payment->payment_status == 'partial' || $emi_payment->payment_status == 'rejected') { $emi_update->payment_status = ($amount_over_due == 0) ? 'success' : (($amount_over_due > 0 && $emi_charges['amount_received'] > 0) ? "partial" : "pending"); } } if (($application->moratoriums && count($application->moratoriums) && $emi_schedules[$emi_payment->emi_date]['amount'] != $emi_payment->emi_amount) || $isMoratorium) { $emi_update->emi_amount = $emi_schedules[$emi_payment->emi_date]['amount']; } $emi_update->save(); //} } $emi_schedules[$emi_date]['status'] = 'Done'; } else if (($emi_payment->payment_status == "pending" && $application->moratorium && isset($application->moratorium->id)) || $isMoratorium) { $isMoratoriumExist = Moratorium::withTrashed()->where('application_id', $application->id)->first(['id']); if (isset($isMoratoriumExist->id)) { try { EmiPayment::find($emi_payment->id)->delete(); } catch (\Exception $exception) { } } } } } $emisArray1 = []; foreach ($emi_schedules as $emi_date => $emi_schedule) { $last_emi_date = $emi_date; if ($emi_schedule['status'] == 'pending' && ($foreclosure_date == '' || $foreclosure_date > $emi_date)) { $emi_charges = $this->getBounceCharges($emi_schedule['amount'], $emi_schedule['due_date'], $emi_date, array(), $payment_date, 0, $emi_schedule['id']); $total_payable = ($emi_schedule['amount']) + $emi_charges['bounce_charges'] + $emi_charges['penal_interest']; $amount_due = ($emi_schedule['amount'] - $emi_charges['amount_received']); $amount_over_due = ($total_payable - $emi_charges['amount_received']); $outstanding_principal_due = $outstanding_principal_due + $amount_due; $outstanding_over_due = $outstanding_over_due + $amount_over_due; if ($emi_date < date('Y-m-d')) { $total_principal_due = $total_principal_due + $amount_due; $total_over_due = $total_over_due + $amount_over_due; } if (!in_array($emi_date, $emisArray1)) { $emisArray1[] = $emi_date; $emiPayment = EmiPayment::where('application_id', $application->id)->where('emi_date', $emi_date)->first(['id']); if (isset($emiPayment->id)) { $emi_update = EmiPayment::find($emiPayment->id); $emi_update->emi_date = $emi_date; $emi_update->emi_amount = $emi_schedule['amount']; $emi_update->bounce_charges = $emi_charges['bounce_charges']; $emi_update->charges_waived = 0; $emi_update->delay_penalty = $emi_charges['penal_interest']; $emi_update->total_payable = $total_payable; $emi_update->amount_due = $amount_over_due; $emi_update->due_date = $emi_schedule['due_date']; $emi_update->application_id = $application->id; $emi_update->delay_days = $emi_charges['delay_days']; $emi_update->payment_status = ($amount_over_due == 0) ? 'success' : (($amount_over_due > 0 && $emi_charges['amount_received'] > 0) ? "partial" : "pending"); $emi_update->save(); } else { if(!$rps_exist) { $emi_update = new EmiPayment(); $emi_update->emi_date = $emi_date; $emi_update->emi_amount = $emi_schedule['amount']; $emi_update->bounce_charges = $emi_charges['bounce_charges']; $emi_update->charges_waived = 0; $emi_update->delay_penalty = $emi_charges['penal_interest']; $emi_update->total_payable = $total_payable; $emi_update->amount_due = $amount_over_due; $emi_update->due_date = $emi_schedule['due_date']; $emi_update->application_id = $application->id; $emi_update->delay_days = $emi_charges['delay_days']; $emi_update->payment_status = ($amount_over_due == 0) ? 'success' : (($amount_over_due > 0 && $emi_charges['amount_received'] > 0) ? "partial" : "pending"); $emi_update->save(); } } } if (isset($emi_update) && $emi_update->payment_status == "success") { $emi_paid = $emi_paid + 1; } else { $emi_pending = $emi_pending + 1; } $emi_schedules[$emi_date]['status'] = 'Done'; } } if ($application->application_element) { $application_element = ConsumerApplicationElement::find($application->application_element->id); } else { $application_element = new ConsumerApplicationElement(); $application_element->application_id = $application->id; } // $amount_due_sum = EmiPayment::where('application_id', $application_id)->sum('total_payable'); // $amount_received_sum = PaymentTransaction::where('application_id', $application_id)->whereIn('payment_for', ['EMI', 'Foreclosure'])->whereNull('deleted_at')->whereNull('deleted_by')->sum('amount'); // $repayment_balance = $amount_due_sum - $amount_received_sum; if (($foreclosure_date != '' && isset($foreclosure_amount->amount)) || isset($writeOff_amount->id)) { $total_principal_due = $total_over_due = $outstanding_principal_due = $outstanding_over_due = 0; // $calculated_foreclosure_amount = (new AccountingController())->getForeclosureAmount($application_id); // $received_foreclosure_amount = $foreclosure_amount->amount; // if($calculated_foreclosure_amount == $received_foreclosure_amount){ // $total_over_due = $total_principal_due = $outstanding_principal_due = $outstanding_over_due = 0; // } } $application_element->principal_due = $total_principal_due; $application_element->amount_over_due = $total_over_due; $application_element->total_principal_due = $outstanding_principal_due; $application_element->total_amount_due = $outstanding_over_due; $application_element->last_emi_date = date('Y-m-d', strtotime($last_emi_date)); $application_element->emi_paid = $emi_paid; $application_element->emi_pending = $emi_pending; $application_element->save(); (new RepaymentController())->callPaymentUpdateApis($application->id); } } } $this->autoWaiveOff($id); return $applications; } public function paymentCalculateV2($id = 0, $payment_date = '',$case_type = 'disbursed', $isMoratorium = false){ $payment_date_original = $payment_date; if($payment_date == ''){ $payment_date = date('Y-m-d'); } if($this->isCron){ $application_id = $id; }else{ $application_id = idStringtoArray($id); } $applications = ConsumerApplication::with('merchant','centers','emi','proFormaInvoice','emi_payment.transaction','application_element','moratoriums'); if($application_id){ $applications = $applications->whereIn('id',$application_id); }elseif($case_type == 'disbursed'){ $applications = $applications->whereIn('state',$this->status); } $applications = $applications->whereNull('is_deleted')->get(); foreach ($applications as $application) { (new ConsumerApplicationController())->updateProcessFeesPayment($application->id); (new ConsumerApplicationController())->updateLegalChargesPayment($application->id); if (!($application->emi) || $application->emi->emi < 1) { // (new Slack(new Request(['title' => 'Payment Calculate', 'fields' => ['ID' => $application->id]])))->send(); } else { if ((isset($application->application_element->foreclosure_date) && !empty($application->application_element->foreclosure_date) && $application->application_element->foreclosure_date != "1970-01-01")) { $foreclosure_date = $application->application_element->foreclosure_date; } else { $foreclosure_date = ""; } $foreclosure_amount = PaymentTransaction::where('application_id', $application_id)->where('payment_for', 'Foreclosure')->whereNull('is_deleted_at')->whereNull('deleted_by')->first(); $writeOff_amount = PaymentTransaction::where('application_id', $application_id)->where('payment_for', 'Write-off')->whereNull('is_deleted_at')->whereNull('deleted_by')->first(); $emi_schedules = $this->generateDues($application->id, 0, $application); $emi_dates = array(); foreach ($emi_schedules as $emi_date => $emis) { array_push($emi_dates, $emi_date); } $this->updateMoratoriumAmount($emi_schedules); $outstanding_over_due = 0; $outstanding_principal_due = 0; $total_principal_due = 0; $total_over_due = 0; $last_emi_date = ''; $emi_paid = 0; $emi_pending = 0; foreach ($application->emi_payment as $emi_payment) { if ($foreclosure_date == '' || $foreclosure_date >= $emi_payment->emi_date) { if (in_array($emi_payment->emi_date, $emi_dates)) { $emi_date = $emi_payment->emi_date; $last_emi_date = $emi_date; if ($emi_payment->payment_status != "success") { $emi_charges = $this->getBounceCharges($emi_payment->emi_amount, $emi_payment->due_date, $emi_date, $emi_payment->transaction, $payment_date_original, 0, $emi_payment->application_id); $total_payable = (($emi_payment->emi_amount) + $emi_charges['bounce_charges'] + $emi_charges['penal_interest']) - $emi_payment->charges_waived; $amount_due = $emi_payment->emi_amount - $emi_charges['amount_received']; $amount_over_due = $total_payable - $emi_charges['amount_received']; $outstanding_principal_due = $outstanding_principal_due + $amount_due; $outstanding_over_due = $outstanding_over_due + $amount_over_due; if ($emi_date < date('Y-m-d')) { $total_principal_due = $total_principal_due + $amount_due; $total_over_due = $total_over_due + $amount_over_due; } $emi_update = EmiPaymentTemp::find($emi_payment->id); if ($emi_update) { $emi_update->bounce_charges = $emi_charges['bounce_charges']; $emi_update->delay_penalty = $emi_charges['penal_interest']; $emi_update->total_payable = $total_payable; $emi_update->amount_due = $amount_over_due; $emi_update->due_date = $emi_schedules[$emi_payment->emi_date]['due_date']; $emi_update->delay_days = $emi_charges['delay_days']; if ($emi_payment->payment_status == 'success' || $emi_payment->payment_status == 'pending' || $emi_payment->payment_status == 'partial' || $emi_payment->payment_status == 'rejected') { $emi_update->payment_status = ($amount_over_due == 0) ? 'success' : (($amount_over_due > 0 && $emi_charges['amount_received'] > 0) ? "partial" : "pending"); } if(($application->moratoriums && count($application->moratoriums) && $emi_schedules[$emi_payment->emi_date]['amount'] != $emi_payment->emi_amount) || $isMoratorium){ $emi_update->emi_amount = $emi_schedules[$emi_payment->emi_date]['amount']; } $emi_update->save(); } $emi_pending = $emi_pending + 1; } else { $emi_charges = $this->getBounceCharges($emi_payment->emi_amount, $emi_payment->due_date, $emi_date, $emi_payment->transaction, $payment_date_original, 0, $emi_payment->application_id); $total_payable = (($emi_payment->emi_amount) + $emi_payment->bounce_charges + $emi_payment->delay_penalty) - $emi_payment->charges_waived; $amount_over_due = $total_payable - $emi_charges['amount_received']; $emi_paid = $emi_paid + 1; //if ($emi_payment->amount_due > 0) { $emi_update = EmiPaymentTemp::find($emi_payment->id); $emi_update->total_payable = $total_payable; $emi_update->amount_due = 0; if ($amount_over_due > 0) { $emi_update->amount_due = $amount_over_due; $emi_update->delay_days = $emi_charges['delay_days']; $emi_update->due_date = $emi_schedules[$emi_payment->emi_date]['due_date']; if ($emi_payment->payment_status == 'success' || $emi_payment->payment_status == 'pending' || $emi_payment->payment_status == 'partial' || $emi_payment->payment_status == 'rejected') { $emi_update->payment_status = ($amount_over_due == 0) ? 'success' : (($amount_over_due > 0 && $emi_charges['amount_received'] > 0) ? "partial" : "pending"); } } if(($application->moratoriums && count($application->moratoriums) && $emi_schedules[$emi_payment->emi_date]['amount'] != $emi_payment->emi_amount) || $isMoratorium){ $emi_update->emi_amount = $emi_schedules[$emi_payment->emi_date]['amount']; } $emi_update->save(); //} } $emi_schedules[$emi_date]['status'] = 'Done'; }else if(($emi_payment->payment_status == "pending" && $application->moratorium && isset($application->moratorium->id)) || $isMoratorium){ $isMoratoriumExist = Moratorium::withTrashed()->where('application_id', $application->id)->first(['id']); if(isset($isMoratoriumExist->id)) { try { EmiPaymentTemp::find($emi_payment->id)->delete(); }catch (\Exception $exception){ } } } } } $emisArray1 = []; foreach ($emi_schedules as $emi_date => $emi_schedule) { $last_emi_date = $emi_date; if ($emi_schedule['status'] == 'pending' && ($foreclosure_date == '' || $foreclosure_date >= $emi_date)) { $emi_charges = $this->getBounceCharges($emi_schedule['amount'], $emi_schedule['due_date'], $emi_date, array(), $payment_date, 0, $emi_schedule['id']); $total_payable = ($emi_schedule['amount']) + $emi_charges['bounce_charges'] + $emi_charges['penal_interest']; $amount_due = ($emi_schedule['amount'] - $emi_charges['amount_received']); $amount_over_due = ($total_payable - $emi_charges['amount_received']); $outstanding_principal_due = $outstanding_principal_due + $amount_due; $outstanding_over_due = $outstanding_over_due + $amount_over_due; if ($emi_date < date('Y-m-d')) { $total_principal_due = $total_principal_due + $amount_due; $total_over_due = $total_over_due + $amount_over_due; } if(!in_array($emi_date, $emisArray1)) { $emisArray1[] = $emi_date; $emiPayment = EmiPaymentTemp::where('application_id', $application->id)->where('emi_date', $emi_date)->first(['id']); if (isset($emiPayment->id)) { $emi_update = EmiPaymentTemp::find($emiPayment->id); } else { $emi_update = new EmiPaymentTemp(); } $emi_update->emi_date = $emi_date; $emi_update->emi_amount = $emi_schedule['amount']; $emi_update->bounce_charges = $emi_charges['bounce_charges']; $emi_update->charges_waived = 0; $emi_update->delay_penalty = $emi_charges['penal_interest']; $emi_update->total_payable = $total_payable; $emi_update->amount_due = $amount_over_due; $emi_update->due_date = $emi_schedule['due_date']; $emi_update->application_id = $application->id; $emi_update->delay_days = $emi_charges['delay_days']; $emi_update->payment_status = ($amount_over_due == 0) ? 'success' : (($amount_over_due > 0 && $emi_charges['amount_received'] > 0) ? "partial" : "pending"); $emi_update->save(); } if ($emi_update->payment_status == "success") { $emi_paid = $emi_paid + 1; } else { $emi_pending = $emi_pending + 1; } $emi_schedules[$emi_date]['status'] = 'Done'; } } if ($application->application_element) { $application_element = ConsumerApplicationElement::find($application->application_element->id); } else { $application_element = new ConsumerApplicationElement(); $application_element->application_id = $application->id; } // $amount_due_sum = EmiPayment::where('application_id', $application_id)->sum('total_payable'); // $amount_received_sum = PaymentTransaction::where('application_id', $application_id)->whereIn('payment_for', ['EMI', 'Foreclosure'])->whereNull('deleted_at')->whereNull('deleted_by')->sum('amount'); // $repayment_balance = $amount_due_sum - $amount_received_sum; if(($foreclosure_date != '' && isset($foreclosure_amount->amount)) || isset($writeOff_amount->id)){ $total_principal_due = $total_over_due = $outstanding_principal_due = $outstanding_over_due = 0; // $calculated_foreclosure_amount = (new AccountingController())->getForeclosureAmount($application_id); // $received_foreclosure_amount = $foreclosure_amount->amount; // if($calculated_foreclosure_amount == $received_foreclosure_amount){ // $total_over_due = $total_principal_due = $outstanding_principal_due = $outstanding_over_due = 0; // } } $application_element->principal_due = $total_principal_due; $application_element->amount_over_due = $total_over_due; $application_element->total_principal_due = $outstanding_principal_due; $application_element->total_amount_due = $outstanding_over_due; $application_element->last_emi_date = date('Y-m-d', strtotime($last_emi_date)); $application_element->emi_paid = $emi_paid; $application_element->emi_pending = $emi_pending; $application_element->save(); } } $this->autoWaiveOff($id); return $applications; } public function updateMoratoriumAmount($data){ foreach ($data as $item) { if($item['moratorium_amount']) { EmiPayment::where('application_id', $item['id'])->where('emi_date',$item['emi_date'])->update(['moratorium_amount' => $item['moratorium_amount']]); }else{ //EmiPayment::where('application_id', $item['id'])->where('emi_date',$item['emi_date'])->update(['moratorium_amount' => 0]); } } } public function generateDues($id,$isforclosured = 0,$user){ $i = 0; $emiCalculation = new \App\Http\Controllers\Admin\EMICalculation(new Request()); $payload = []; $moratorium_amount = 0; if($user->emi) { $dues = $emiCalculation->getRepaymentSchedule($user, false); $emi_date = ""; $moratoriumPeriod = false; if (isset($dues->emis)) { foreach ($dues->emis as $index => $emi_amount) { /*if($id == 4848){ if($emi_date == ''){ $emi_date =date('Y-m-d', strtotime($user->emi->emi_date)) ; }else { if (date('d', strtotime($emi_date)) == 5 || date('d', strtotime($emi_date)) == '05') { $emi_date = date('Y-m-18', strtotime($emi_date)); } else { $emi_date = date('Y-m-05', strtotime($emi_date . ' +1 month')); } } }else { $emi_date = $emiCalculation->getEMIDateByPaymentFrequency($user,$i); }*/ $emi_date = $emiCalculation->getEMIDateByPaymentFrequency($user,$i); /*if(isset($user->moratoriums) && count($user->moratoriums)) { foreach ($user->moratoriums as $moratoriumIndex => $moratoriumItem) { if ((isset($moratoriumItem->id) && $moratoriumItem->emi_date <= $emi_date) || $moratoriumPeriod) { # <= because we want to increase next emi date to 1 month $emi_date = Carbon::createFromFormat('Y-m-d', $emi_date)->addMonth(1)->toDateString(); if ($moratoriumItem->emi_date == Carbon::createFromFormat('Y-m-d', $emi_date)->subMonth(1)->toDateString()) { //!$moratoriumPeriod $emi_amount += (new Moratorium())->getPrincipalOutstanding($user, $moratoriumItem); break; } $moratoriumPeriod = true; } } }*/ if(isset($user->application_element->foreclosure_date) && !empty($user->application_element->foreclosure_date) && $user->application_element->foreclosure_date != "1970-01-01" && date('Y-m-d', strtotime($emi_date)) > ($user->application_element->foreclosure_date ) && $isforclosured != 1){ break; }else { $due_date = Carbon::createFromFormat('Y-m-d', $emi_date)->subDay(0); $holidays = $this->holiday_list; while(in_array($due_date,$holidays) || $due_date->isSunday()){ $due_date = Carbon::createFromFormat('Y-m-d', $due_date->toDateString())->addDay(1); } $payload[$emi_date] = ['id' => $id, 'offer_id' => $user->emi->offer_id, 'emi_id' => $user->emi->id, 'emi_date' => $emi_date, 'amount' => $emi_amount, 'moratorium_amount' => $moratorium_amount, 'due_date' => $due_date->toDateString(),'status'=> 'pending']; } $i++; } } } $this->internal = true; return $this->applyMoratorium($user, $payload); } public function getPaymentConfig($id){ $paymentConfig = Config::get('constants.payment'); $applicationLender = ConsumerApplication::where('id', $id)->first(['lender_id']); return isset($paymentConfig['bounce'][$applicationLender->lender_id]) && isset($paymentConfig['penal'][$applicationLender->lender_id]) ? [ 'bounce' => $paymentConfig['bounce'][$applicationLender->lender_id], 'penal' => $paymentConfig['penal'][$applicationLender->lender_id] ] : $paymentConfig['default']; } public function applyMoratorium($user, $payload, $isMoratorium = false){ $payloadPreserve = $payload; usort($payload, function($a, $b){ return strtotime($a['emi_date']) - strtotime($b['emi_date']); }); $EMIsIndex = []; if(isset($user->moratoriums) && count($user->moratoriums)) { foreach ($user->moratoriums as $moratoriumItem) { foreach ($payload as $index => $data) { $emi_date = $data['emi_date']; if (isset($moratoriumItem->id) && $moratoriumItem->emi_date <= $emi_date) { $emi_date = Carbon::createFromFormat('Y-m-d', $emi_date)->addMonth(1)->toDateString(); $payload[$index]['emi_date'] = $emi_date; $payload[$index]['due_date'] = $emi_date; if ($moratoriumItem->emi_date == Carbon::createFromFormat('Y-m-d', $emi_date)->subMonth(1)->toDateString() && !$isMoratorium) { //!$moratoriumPeriod $moratoriumAmount = (new Moratorium())->getPrincipalOutstanding($user, $moratoriumItem); if (isset($EMIsIndex[$index])){ $payload[$index]['amount'] -= $EMIsIndex[$index]; } $payload[$index]['amount'] += $moratoriumAmount; $payload[$index]['moratorium_amount'] = $moratoriumAmount; $EMIsIndex[$index] = $moratoriumAmount; } } } } }else{ return $payloadPreserve; } $newPayload = []; foreach ($payload as $index => $data){ $due_date = Carbon::createFromFormat('Y-m-d', $data['emi_date'])->subDay(0); $holidays = $this->holiday_list; while(in_array($due_date,$holidays) || $due_date->isSunday()){ $due_date = Carbon::createFromFormat('Y-m-d', $due_date->toDateString())->addDay(1); } $payload[$index]['due_date'] = $due_date->toDateString(); $data['due_date'] = $payload[$index]['due_date']; if($this->internal){ $newPayload[$data['emi_date']] = $data; }else{ $newPayload[] = $data; } } return $newPayload; } public function getBounceChargesV1($emi_amount,$emi_date,$transactions = array(),$payment_date = "",$payment_amount = 0, $application_id = 0){ $payment_date_original = $payment_date; if($payment_date == ""){ $payment_date = date('Y-m-d'); } $paymentConfig = $this->getPaymentConfig($application_id); $payment_amount = (int)$payment_amount; $holidays = $this->holiday_list; $due_date = Carbon::createFromFormat('Y-m-d', $emi_date)->subDay(0); $response['bounce_charges'] = 0; $response['penal_interest'] = 0; $response['delay_days'] = 0; $response['generate_interest_invoice'] = 0; $after_due = 0; $before_due = 0; while(in_array($due_date->toDateString(),$holidays) || $due_date->isSunday()){ $due_date = Carbon::createFromFormat('Y-m-d', $due_date->toDateString())->addDay(1); } $due_date_innitial = $due_date->toDateString(); $delay_days = $this->calculateDelayDays($due_date->toDateString(),$payment_date, $application_id); $due_date_string = $due_date->toDateString(); $delay_days_penalty = Carbon::createFromFormat('Y-m-d', $due_date_string)->addDay(1); $amount_paid = 0; if($transactions){ foreach ($transactions as $transaction){ if($transaction->refunded_at == null) { if (($amount_paid + $transaction->amount) <= $emi_amount) { if (strtotime($transaction->payment_date) > $due_date->timestamp) { $after_due = $after_due + $transaction->amount; } else { $before_due = $before_due + $transaction->amount; } if (strtotime($transaction->payment_date) > ($delay_days_penalty->timestamp)) { $delay_days = ($this->calculateDelayDays($delay_days_penalty->toDateString(), $transaction->payment_date, $application_id)); $response['penal_interest'] = $response['penal_interest'] + (($transaction->amount * (($paymentConfig['penal'])) / 100) * ($delay_days)); if ($response['delay_days'] < $delay_days) { $response['delay_days'] = $delay_days; } } $amount_paid = $amount_paid + $transaction->amount; } else { //$transactionamount = $emi_amount - $amount_paid; //$amount_paid = $amount_paid + $transactionamount; /*if (strtotime($transaction->payment_date) > $due_date->timestamp) { $after_due = $after_due + $transactionamount; } else { $before_due = $before_due + $transactionamount; } $amount_paid = $amount_paid + $transaction->amount;*/ // if ($transactionamount > 0 && (strtotime($transaction->payment_date) > ($due_date->addDay(1)->timestamp))) { // $delay_days = (($this->calculateDelayDays($due_date->toDateString(), $transaction->payment_date)) - 1); // // $response['penal_interest'] = $response['penal_interest'] + (($transactionamount * (($paymentConfig['penal'])) / 100) * ($delay_days)); // if ($response['delay_days'] < $delay_days) { // $response['delay_days'] = $delay_days; // } // } } } } if($amount_paid < $emi_amount){ if(($amount_paid + $payment_amount) <= $emi_amount){ $delay_days = (($this->calculateDelayDays($due_date->toDateString(),$payment_date, $application_id))); $response['penal_interest'] = $response['penal_interest'] + (($payment_amount * (($paymentConfig['penal']))/100) * ($delay_days)); if($response['delay_days'] < $delay_days) { $response['delay_days'] = $delay_days; } $amount_paid = $payment_amount + $amount_paid; if($amount_paid < $emi_amount) { $delay_days = (($this->calculateDelayDays($due_date->toDateString(), (date('Y-m-d')), $application_id))); $pending_amount = $emi_amount - $amount_paid; $response['penal_interest'] = $response['penal_interest'] + ((($pending_amount) * ((($paymentConfig['penal']))/100)) * ($delay_days)); if($response['delay_days'] < $delay_days) { $response['delay_days'] = $delay_days; } } }else{ /*$delay_days = (($this->calculateDelayDays($due_date->toDateString(), $payment_date)) - 1); $response['penal_interest'] = $response['penal_interest'] + ((($emi_amount - $amount_paid) * (($paymentConfig['penal']))/100) * ($delay_days)); if($response['delay_days'] < $delay_days) { $response['delay_days'] = $delay_days; }*/ } } if($payment_date != "" && $payment_date < $due_date_innitial && $payment_amount > 0){ $before_due = $before_due + $payment_amount ; } if($emi_amount <= ($before_due + $after_due)){ $response['generate_interest_invoice'] = 1; } if(($emi_amount && (($before_due/$emi_amount)*100) >= 90) || ($due_date_innitial >= $payment_date && ($emi_amount && ($after_due/$emi_amount)*100) < 10 )){ $response['bounce_charges'] = 0; }else{ $response['bounce_charges'] = $paymentConfig['bounce']; } }else{ if($delay_days > 0){ if(($due_date->toDateString() < date('Y-m-d'))) { $response['bounce_charges'] = $paymentConfig['bounce']; } if($response['delay_days'] < ($delay_days-1)) { $response['delay_days'] = ($delay_days-1); } if($delay_days > 1) { $response['penal_interest'] = ($emi_amount * (($paymentConfig['penal']))/100) * ($delay_days - 1); } } } if($response['penal_interest'] < 0){ $response['penal_interest'] = 0; }else{ $response['penal_interest'] = round($response['penal_interest'],0); } if($response['delay_days'] < 0){ $response['delay_days'] = 0; } // if($emi_payments && !empty($emi_payments->rejected_date) && $emi_payments->rejected_date != null){ // $response['bounce_charges'] = $paymentConfig['bounce']; // } if($response['bounce_charges'] < 0){ $response['bounce_charges'] = 0; } $response['amount_received'] = $amount_paid; return(array) $response; } public function getBounceCharges($emi_amount,$_due_date,$emi_date,$transactions = array(),$payment_date = "",$payment_amount = 0, $application_id = 0){ $payment_date_original = $payment_date; $paymentConfig = $this->getPaymentConfig($application_id); if($application_id) { $EmiPayment = EmiPayment::where('application_id', $application_id)->where('emi_date', $emi_date)->first(['id','moratorium_amount']); if(isset($EmiPayment->id) && $EmiPayment->moratorium_amount) { $emi_amount -= $EmiPayment->moratorium_amount; } } if($payment_date == ""){ $payment_date = date('Y-m-d'); } $payment_amount = (int)$payment_amount; $holidays = $this->holiday_list; $due_date = Carbon::createFromFormat('Y-m-d', $emi_date)->subDay(0); $response['bounce_charges'] = 0; $response['penal_interest'] = 0; $response['delay_days'] = 0; $response['generate_interest_invoice'] = 0; $after_due = 0; $before_due = 0; while(in_array($due_date->toDateString(),$holidays) || $due_date->isSunday()){ $due_date = Carbon::createFromFormat('Y-m-d', $due_date->toDateString())->addDay(1); } $due_date_innitial = $due_date->toDateString(); $delay_days = $this->calculateDelayDays($due_date->toDateString(),$payment_date, $application_id); $due_date_string = $due_date->toDateString(); //$delay_days_penalty = Carbon::createFromFormat('Y-m-d', $due_date_string)->addDay(1); $delay_days_penalty = Carbon::createFromFormat('Y-m-d', $_due_date); $amount_paid = 0; if($transactions){ foreach ($transactions as $transaction){ if($transaction->refunded_at == null) { if (($amount_paid + $transaction->amount) <= $emi_amount) { if (strtotime($transaction->payment_date) > $due_date->timestamp) { $after_due = $after_due + $transaction->amount; } else { $before_due = $before_due + $transaction->amount; } if (strtotime($transaction->payment_date) > ($delay_days_penalty->timestamp)) { $delay_days = ($this->calculateDelayDays($delay_days_penalty->toDateString(), $transaction->payment_date, $application_id)); $response['penal_interest'] = $response['penal_interest'] + (($transaction->amount * (($paymentConfig['penal'])) / 100) * ($delay_days)); if ($response['delay_days'] < $delay_days) { $response['delay_days'] = $delay_days; } } $amount_paid = $amount_paid + $transaction->amount; } else { $transactionamount = $emi_amount - $amount_paid; //$amount_paid = $amount_paid + $transactionamount; if (strtotime($transaction->payment_date) > $due_date->timestamp) { $after_due = $after_due + $transactionamount; } else { $before_due = $before_due + $transactionamount; } $amount_paid = $amount_paid + $transaction->amount; // if ($transactionamount > 0 && (strtotime($transaction->payment_date) > ($due_date->addDay(1)->timestamp))) { // $delay_days = (($this->calculateDelayDays($due_date->toDateString(), $transaction->payment_date)) - 1); // // $response['penal_interest'] = $response['penal_interest'] + (($transactionamount * (($paymentConfig['penal'])) / 100) * ($delay_days)); // if ($response['delay_days'] < $delay_days) { // $response['delay_days'] = $delay_days; // } // } } } } if($amount_paid < $emi_amount){ if(($amount_paid + $payment_amount) <= $emi_amount){ $delay_days = (($this->calculateDelayDays($due_date->toDateString(),$payment_date, $application_id))); $response['penal_interest'] = $response['penal_interest'] + (($payment_amount * (($paymentConfig['penal']))/100) * ($delay_days)); if($response['delay_days'] < $delay_days) { $response['delay_days'] = $delay_days; } $amount_paid = $payment_amount + $amount_paid; if($amount_paid < $emi_amount) { $delay_days = (($this->calculateDelayDays($due_date->toDateString(), (date('Y-m-d')), $application_id))); $pending_amount = $emi_amount - $amount_paid; $response['penal_interest'] = $response['penal_interest'] + ((($pending_amount) * ((($paymentConfig['penal']))/100)) * ($delay_days)); if($response['delay_days'] < $delay_days) { $response['delay_days'] = $delay_days; } } }else{ $delay_days = (($this->calculateDelayDays($due_date->toDateString(), $payment_date, $application_id))); $response['penal_interest'] = $response['penal_interest'] + ((($emi_amount - $amount_paid) * (($paymentConfig['penal']))/100) * ($delay_days)); if($response['delay_days'] < $delay_days) { $response['delay_days'] = $delay_days; } } } if($payment_date != "" && $payment_date < $due_date_innitial && $payment_amount > 0){ $before_due = $before_due + $payment_amount ; } if($emi_amount <= ($before_due + $after_due)){ $response['generate_interest_invoice'] = 1; } if(($emi_amount && (($before_due/$emi_amount)*100) >= 90) || ($due_date_innitial >= date('Y-m-d', strtotime($payment_date)) && ($emi_amount && ($after_due/$emi_amount)*100) < 10 )){ $response['bounce_charges'] = 0; }else{ $response['bounce_charges'] = $paymentConfig['bounce']; } }else{ if($delay_days > 0){ if(($due_date->toDateString() < date('Y-m-d'))) { $response['bounce_charges'] = $paymentConfig['bounce']; } if($response['delay_days'] < ($delay_days-1)) { $response['delay_days'] = ($delay_days-1); } if($delay_days > 1) { $response['penal_interest'] = ($emi_amount * (($paymentConfig['penal']))/100) * ($delay_days - 1); } } } if($response['penal_interest'] < 0){ $response['penal_interest'] = 0; }else{ $response['penal_interest'] = round($response['penal_interest'],0); } if($response['delay_days'] < 0){ $response['delay_days'] = 0; } // if($emi_payments && !empty($emi_payments->rejected_date) && $emi_payments->rejected_date != null){ // $response['bounce_charges'] = $paymentConfig['bounce']; // } if($response['bounce_charges'] < 0){ $response['bounce_charges'] = 0; } $response['amount_received'] = $amount_paid; return(array) $response; } public function calculateDelayDays($due_date,$payment_date, $application_id = 0){ if($payment_date == date('Y-m-d') && $application_id){ $moratorium = Moratorium::where('application_id', $application_id)->where('emi_date','>=', $due_date)->orderBy('created_at','asc')->first(['id','emi_date']); if (isset($moratorium->id)){ $payment_date = date('Y-m-d', strtotime('-1 day', strtotime($moratorium->emi_date))); } } $now = strtotime($payment_date); // or your date as well $your_date = strtotime($due_date); $datediff = $now - $your_date; return round($datediff / (60 * 60 * 24),0); } public function getPaymentDueHistory($application_id = 0,$last_date = "",$all_status = 1,$isDue = 0,$isclosedLoans = 0,$application_id_array= array(),$last_emi_date_crossed = 0, $total_amount_due = 0){ // if($last_date == ""){ // $last_date = date('Y-m-d'); // } $response = array(); $status = ['disbursed','nach registered']; $settlements = $this->includeSettlements; $consumerApplication = ConsumerApplication::with('proFormaInvoice','merchant','lender','lender.bank_details', 'application_element.collection_executive','emi_payment.transaction','emi_payment.moratoriums', 'writeoff_transaction', 'settlement_payment', 'checkmandate','emi_payment.transaction.refunded_user_by','emi'); $consumerApplication = $consumerApplication->whereNull('is_deleted')->orderBy('updated_at', 'desc'); $consumerApplication = $consumerApplication->whereDoesntHave('followUpHistory', function ($q) { $q->where('follow_up_status', 'stopped') ->whereIn('id', function ($sub) { $sub->selectRaw('max(id)') ->from('consumer_application_follow_ups') ->whereNull('deleted_at') ->groupBy('application_id'); }); }); if($all_status == 0) { $consumerApplication = $consumerApplication->wherein('state', $status); } if($application_id != 0 && $application_id != null) { $consumerApplication = $consumerApplication->where('id', $application_id); } if(is_array($application_id_array) && $application_id_array != 0 && count($application_id_array) > 0){ $consumerApplication = $consumerApplication->wherein('id', $application_id_array); } if(($application_id == 0 || $application_id = null) && (!is_array($application_id_array) || $application_id_array == 0 || (is_array($application_id_array) && count($application_id_array) == 0)) && $all_status == 0){ $consumerApplication = $consumerApplication->wherein('state', $status); } if($this->lender_id_req){ $consumerApplication = $consumerApplication->where('lender_id', $this->lender_id_req); } if($this->emi_date_req){ $consumerApplication = $consumerApplication->whereHas('emi_payment', function ($query) { $query->where('emi_date', $this->emi_date_req); }); } if($this->excludeWriteoff){ $consumerApplication = $consumerApplication->doesntHave('writeoff_transaction'); } if($isDue == 1){ $consumerApplication = $consumerApplication->whereHas('application_element', function ($query) { $query->where('amount_over_due','>',0); }); if ($this->includeSettlements) { $consumerApplication = $consumerApplication->orWhere(function ($query) { $query->whereHas('settlement_payment', function ($q) { $q->where('id', '>', 0); })->whereIn('state', ['disbursed', 'nach registered']); }); } } if($total_amount_due){ $consumerApplication = $consumerApplication->whereHas('application_element', function ($query) { $query->where('total_amount_due', 0); }); if ($this->includeSettlements) { $consumerApplication = $consumerApplication->orWhere(function ($query) { $query->whereHas('settlement_payment', function ($q) { $q->where('id', '>', 0); })->whereIn('state', ['disbursed', 'nach registered']); }); } } if($isclosedLoans == 1){ $consumerApplication = $consumerApplication->whereHas('application_element', function ($query) use($isDue) { $query->where('total_amount_due','<=',100) ->orwhere('last_emi_date','<=',date('Y-m-d')) ->orwhere('emi_pending',0); }); if ($this->includeSettlements) { $consumerApplication = $consumerApplication->orWhere(function ($query) { $query->whereHas('settlement_payment', function ($q) { $q->where('id', '>', 0); })->whereIn('state', ['disbursed', 'nach registered']); }); } $consumerApplication = $consumerApplication->where('state','!=', 'closed'); } if($last_emi_date_crossed == 1){ /*$consumerApplication = $consumerApplication->whereHas('application_element', function ($query) use($isDue) { $query->where('last_emi_date','<=',date('Y-m-d')); });*/ } if($this->isPagination) { $consumerApplication = $consumerApplication->whereNotIn('state',$this->status)->skip($this->isPaginationSkip)->paginate($this->isPagination); $this->isPaginationTotal = $consumerApplication->total(); $this->isPaginationLastPage = $consumerApplication->lastPage(); }else{ $consumerApplication = $consumerApplication->get(); } foreach ($consumerApplication as $application){ $amount_paid = 0; $amount_payable = 0; $max_payable = $application->application_element->amount_over_due; if($application->emi_payment){ $i = 0; foreach ($application->emi_payment as $emi_payments){ $amount_paid = $amount_paid + ($emi_payments->total_payable - $emi_payments->amount_due); $check_date = date('Y-m-d',strtotime("+11 days",time())); if($check_date >= $emi_payments->emi_date && $emi_payments->emi_date > date('Y-m-d') && $emi_payments->payment_status != 'success') { if($emi_payments->payment_status == 'pending') { $max_payable = $max_payable + $emi_payments->emi_amount; }else{ $max_payable = $max_payable + $emi_payments->amount_due; } } $application->emi_payment[$i]->pending_amount = $emi_payments->amount_due; $i++; } $overpayments = PaymentTransaction::where('application_id',$application->id)->whereIn('payment_for',['processing_fee','Over Payment','Advance Payment','rejected','Foreclosure','refund','collection_charges','insurance_fee','adhoc_transaction','advance_amount','EMI', 'Pre-EMI', 'settled_principal', 'settled_interest', 'settled_bounce', 'settled_penal'])->whereNull('is_deleted_at')->get(); $over_payment = 0; $adhoc_payment = 0; $processing_fee = 0; $insurance_fee = 0; $advance_amount = 0; $last_payment_date = null; $last_payment_amount = 0; $isForeclosed = 0; $pre_emi = 0; if($overpayments) { foreach ($overpayments as $overpayment) { if($overpayment->payment_for == "EMI"){ $last_payment_date = $overpayment->payment_date; $last_payment_amount = $overpayment->amount; } if ($overpayment->amount > 0 && ($overpayment->payment_for == "Over Payment" ) && $overpayment->status != "rejected"){ $over_payment = $over_payment + $overpayment->amount; } if ($overpayment->amount > 0 && ($overpayment->payment_for == "processing_fee" )){ $processing_fee = $processing_fee + $overpayment->amount; } if ($overpayment->amount > 0 && ($overpayment->payment_for == "insurance_fee" )){ $insurance_fee = $insurance_fee + $overpayment->amount; } if ($overpayment->amount > 0 && ($overpayment->payment_for == "advance_amount" )){ $advance_amount = $advance_amount + $overpayment->amount; } if($overpayment->amount > 0 && $overpayment->payment_for == "refund"){ $over_payment = $over_payment - $overpayment->amount; } if($overpayment->amount > 0 && $overpayment->payment_for == "Pre-EMI"){ $pre_emi = $overpayment->amount; } if ($overpayment->amount > 0 && ($overpayment->payment_for == "Foreclosure") && $overpayment->status != "rejected"){ $breakupLogs = ForeclosureBreakup::where('application_id', $application->id)->orderBy('created_at', 'desc')->first(['id', 'pf_due', 'advance_due']); if(isset($breakupLogs->id)) { $processing_fee = round($processing_fee + $breakupLogs->pf_due); $advance_amount = round($advance_amount + $breakupLogs->advance_due); } if(isset($application->application_element->foreclosure_date) && !empty($application->application_element->foreclosure_date) && $application->application_element->foreclosure_date != "1970-01-01"){ $isForeclosed = 1; } } if ($overpayment->amount > 0 && ($overpayment->payment_for == "Over Payment" || $overpayment->payment_for == "Advance Payment" || $overpayment->payment_for == "Foreclosure") && $overpayment->status != "rejected"){ $adhoc_payment = $adhoc_payment + $overpayment->amount; } } $pending_dues[$application->id]['over_payment'] = $over_payment; }else{ $pending_dues[$application->id]['over_payment'] = 0; } if($application->application_element->total_amount_due == 0){ $max_payable = 0; } $pending_dues[$application->id]['waived_off_data'] = $this->getWaivedOff($application->id); $pending_dues[$application->id]['adhoc_transaction'] = $overpayments; $pending_dues[$application->id]['amount_due'] = $isForeclosed == 1 ? 0 : $application->application_element->amount_over_due; $pending_dues[$application->id]['application_id'] = $application->id; $pending_dues[$application->id]['applicant_name'] = $application->name; $pending_dues[$application->id]['collection_executive'] = $application->application_element && $application->application_element->collection_executive ? $application->application_element->collection_executive->name : ''; $pending_dues[$application->id]['merchant_name'] = isset($application->merchant->merchant_name) ? $application->merchant->merchant_name : $application->name; $pending_dues[$application->id]['merchant_id'] = isset($application->merchant->id) ? $application->merchant->id : $application->merchant_id; $pending_dues[$application->id]['coapplicant_name'] = $application->co_applicant_name; $pending_dues[$application->id]['applicant_email'] = $application->email; $pending_dues[$application->id]['coapplicant_email'] = $application->co_applicant_email; $pending_dues[$application->id]['applicant_number'] = $application->mobile_number; $pending_dues[$application->id]['coapplicant_number'] = $application->co_applicant_mobile_number; $pending_dues[$application->id]['purpose'] = $application->purpose; $pending_dues[$application->id]['max_payable'] = $max_payable; $pending_dues[$application->id]['lender_id'] = $application->lender_id; $pending_dues[$application->id]['lender_name'] = isset($application->lender->name) ? $application->lender->name : ""; $pending_dues[$application->id]['purpose'] = $application->purpose; $pending_dues[$application->id]['account_holder'] = isset($application->lender->bank_details->account_holder) ? $application->lender->bank_details->account_holder : ""; $pending_dues[$application->id]['bank'] = isset($application->lender->bank_details->bank_name) ? $application->lender->bank_details->bank_name : ""; $pending_dues[$application->id]['branch'] = isset($application->lender->bank_details->branch_name) ? $application->lender->bank_details->branch_name : ""; $pending_dues[$application->id]['account_number'] = isset($application->lender->bank_details->account_number) ? $application->lender->bank_details->account_number : ""; $pending_dues[$application->id]['ifsc'] = isset($application->lender->bank_details->ifsc_code) ? $application->lender->bank_details->ifsc_code : ""; $pending_dues[$application->id]['pre_emi_received'] = $pre_emi ?? 0; $loan_application_no = isset($application->proFormaInvoice->loan_application_no) && !empty($application->proFormaInvoice->loan_application_no) ? $application->proFormaInvoice->loan_application_no : ''; if ($loan_application_no) { if($application->lender_id == AvanseServices::$lender_id) { $pending_dues[$application->id]['bank-details'] = [ 'Beneficiary account number' => '918020009293418', 'Beneficiary name' => 'Avanse Financial Services Ltd', 'IFSC code' => 'UTIB0000028', 'Bank Name' => 'Axis Bank' ]; }else if($application->lender_id == Lendbox::$lender_id || $application->lender_id == LendboxLSP::$lender_id){ $pending_dues[$application->id]['bank-details'] = [ 'Beneficiary account number' => '000705047644', 'Beneficiary name' => 'Transactree Technologies Private Limited', 'IFSC code' => 'ICIC0000007', 'Bank Name' => 'ICICI BANK LTD' ]; }else if($application->lender_id == Services::$lender_id){ $pending_dues[$application->id]['bank-details'] = [ 'Beneficiary account number' => '200999509663', 'Beneficiary name' => 'Aditya Birla Finance LTD', 'IFSC code' => 'INDB0000001', 'Bank Name' => 'INDUSIND BANK LTD' ]; }else if($application->lender_id == KMGP2P::$lender_id){ $pending_dues[$application->id]['bank-details'] = [ 'Beneficiary account number' => '409002234039', 'Beneficiary name' => 'K M GLOBAL P2P FINANCE PRIVATE LIMITED COLLECTION ACCOUNT', 'IFSC code' => 'RATN0000088', 'Bank Name' => 'RBL Bank' ]; }else if($application->lender_id == BlackSoil::$lender_id){ $pending_dues[$application->id]['bank-details'] = [ 'Beneficiary account number' => '10245910063', 'Beneficiary name' => 'Blacksoil Capital Private Limited', 'IFSC code' => 'IDFB0040101', 'Bank Name' => 'IDFC First Bank' ]; }else { $pending_dues[$application->id]['bank-details'] = [ 'Beneficiary account number' => '10245910063', 'Beneficiary name' => 'BLACKSOIL CAPITAL PRIVATE LIMITED', 'IFSC code' => 'IDFB0040101', 'Bank Name' => 'IDFC FIRST Bank' ]; } } $pending_dues[$application->id]['amount_paid'] = $amount_paid + $adhoc_payment; $pending_dues[$application->id]['emi_due'] = $isForeclosed == 1 ? 0 : $application->application_element->emi_pending; $pending_dues[$application->id]['emi_paid'] = $application->application_element->emi_paid; $pending_dues[$application->id]['amount_pending'] = $isForeclosed == 1 ? 0 : $application->application_element->total_amount_due; $pending_dues[$application->id]['last_emi_date'] = $application->application_element->last_emi_date; $pending_dues[$application->id]['amount_payable'] = $amount_payable; $pending_dues[$application->id]['processing_fee_collected'] = $processing_fee; $pending_dues[$application->id]['processing_fee_due'] = (isset($application->emi->processing_fee)) ? ($application->emi->processing_fee - $processing_fee) : 0; $pending_dues[$application->id]['insurance_fee_due'] = (isset($application->proFormaInvoice->insurance_premium_amount)) ? ($application->proFormaInvoice->insurance_premium_amount - $insurance_fee) : 0; $pending_dues[$application->id]['advance_amount_due'] = (isset($application->proFormaInvoice->merchant_collected_advance_amount) && $application->proFormaInvoice->merchant_collected_advance_amount && $application->emi) ? ($application->emi->upfront_from_customer - $advance_amount) : 0; $pending_dues[$application->id]['approved_amount'] = ($application->approved_amount == 0 || $application->approved_amount == "") ? $application->loan_amount : $application->approved_amount; $pending_dues[$application->id]['payment'] = $this->getWithMoratoriumDetails($application->emi_payment); $pending_dues[$application->id]['loan_agreement_no'] = $application->proFormaInvoice->loan_application_no ?? ''; $response[$application->id] = $pending_dues[$application->id]; $response[$application->id]['mandate'] = $application->checkmandate; $response[$application->id]['last_payment_date'] = $last_payment_date; $response[$application->id]['last_payment_amount'] = $last_payment_amount; $response[$application->id]['overdue_amount'] = $application->application_element->amount_over_due; $emi_payment_amount = EmiPayment::where('application_id', $application->id)->where('payment_status', 'pending')->orderBy('emi_date', 'desc')->first(['emi_amount']); $response[$application->id]['current_emi_amount'] = $emi_payment_amount->emi_amount ?? 0; } } return $response; } public function getWithMoratoriumDetails($emi_payment){ $moratorium = new Moratorium(); foreach ($emi_payment as $index => $item) { if (isset($item->moratoriums) && count($item->moratoriums)) { foreach ($item->moratoriums as $moratoriumItem) { if ($moratoriumItem->emi_date == Carbon::createFromFormat('Y-m-d', $item->emi_date)->subMonth(1)->toDateString()) { $moratoriumAmount = $moratorium->getPrincipalOutstanding($item->application_id, $moratoriumItem); $emi_payment[$index]->moratorium_amount = $moratoriumAmount; } } }else{ return $emi_payment; break; } } return $emi_payment; } public function getWaivedOff($id){ $waived_off = WaiveOffLog::with('emi_payment','users')->where('application_id',$id)->orderBy('emi_payment_id')->get(); $response =array(); if($waived_off) { foreach ($waived_off as $waived){ $response[$waived->emi_payment->emi_date]['amount'] = $waived->amount; $response[$waived->emi_payment->emi_date]['waived_by'] = $waived->users->name; $response[$waived->emi_payment->emi_date]['waived_on'] = $waived->created_at; } } return $response; } public function overDueReminder($application_id,$send_email= 1,$send_message=1,$send_anyways= 0,$all_due_cases = 0,$payment_status = "",$due = 1, $event = null){ // (new Slack(new Request(['title' => 'Over Due Reminder Started', 'fields' => ['Application Ids' => json_encode($application_id)], 'group' => Slack::$STAGE_TESTING])))->send(); $serviceCount = 0; $current_date = date("Y-m-d"); //(new Slack(new Request(['title' => 'calculating payment', 'fields' => ['Name' => 'overDuePaymentReminder'], 'group' => Slack::$STAGE_TESTING])))->send(); $this->paymentCalculate($application_id); //(new Slack(new Request(['title' => 'calculating payment - done', 'fields' => ['Name' => 'overDuePaymentReminder'], 'group' => Slack::$STAGE_TESTING])))->send(); $_application_id = !is_array($application_id) ? $application_id : 0; $payment_data = $this->getPaymentDueHistory($_application_id,"",0,$due,0,$application_id); //(new Slack(new Request(['title' => 'calculating payment - get getPaymentDueHistory', 'fields' => ['Name' => 'overDuePaymentReminder'], 'group' => Slack::$STAGE_TESTING])))->send(); $view_data = array(); $response = array(); $application_ids = array(); $total_applications = 0; $sent = 0; $iceCounter = 0; $recon_id = array(); if($send_email) { $payments = PaymentMakerChecker::with('application')->where('data',"LIKE",'%"payment_type":"credit"%')->whereNull('deleted_at')->where('status',1)->get(); foreach ($payments as $payment) { array_push($recon_id, $payment->application_id); } } $consent_key = 0; //(new Slack(new Request(['title' => 'calculating payment - get PaymentMakerChecker', 'fields' => ['Name' => 'overDuePaymentReminder'], 'group' => Slack::$STAGE_TESTING])))->send(); //(new CSV())->save(['data' => ['type' => 'count', 'value' => 'get count', 'id' => count($payment_data)]], $current_date.'_overdue_reminder', null, 'csv'); foreach ($payment_data as $id=>$application) { try { //(new CSV())->save(['data' => ['type' => 'id', 'value' => $id]], $current_date.'_overdue_reminder', null, 'csv'); if (!in_array($id, $recon_id)) { $bounce_charges = 0; $delay_penalty = 0; $total_emi = 0; $amount_received = 0; $waived = 0; $view_data['delay_days'] = 0; $i = 0; $moratorium_amount_total = 0; foreach ($application['payment'] as $payment) { $view_data['for_today_emi_amount'] = ($payment['emi_amount'] ?? 0); $emi_date = $payment->emi_date; $emi_current_date_check = date("Y-m-d", strtotime("+ 1 day", strtotime($emi_date))); if ((((isset($payment['pending_amount']) && $payment['pending_amount'] > 0) && $emi_date <= date('Y-m-d', time()) && $emi_date != $current_date && $current_date != $emi_current_date_check)) || $payment['payment_status'] == 'rejected') { // if($payment['payment_status'] == 'rejected'){ // if($payment->amount_due > 0){ // $application['amount_due'] = $application['amount_due'] + $payment->amount_due; // }else { // $application['amount_due'] = $application['amount_due'] + $payment->emi_amount; // } // } $moratorium_amount_total += isset($payment['moratorium_amount']) ? $payment['moratorium_amount'] : 0; $bounce_charges = $bounce_charges + (isset($payment['bounce_charges']) ? $payment['bounce_charges'] : 0); $delay_penalty = $delay_penalty + (isset($payment['delay_penalty']) ? $payment['delay_penalty'] : 0); $total_emi = $total_emi + (isset($payment['emi_amount']) ? $payment['emi_amount'] : 0); $total_payable = (isset($payment['total_payable']) ? $payment['total_payable'] : 0); $amount_due = (isset($payment['amount_due']) ? $payment['amount_due'] : 0); $amount_received = $amount_received + ($total_payable - $amount_due); $waived = $waived + (isset($payment['charges_waived']) ? $payment['charges_waived'] : 0); if ($view_data['delay_days'] == 0 && isset($payment['pending_amount']) && $payment['pending_amount'] > 0) { $view_data['delay_days'] = $this->calculateDelayDays($emi_date, date('Y-m-d'), $id); } $view_data['reason'] = "and your payment hasn’t been received by us"; if (isset($payment['payment_history']['transaction'])) { foreach ($payment['payment_history']['transaction'] as $transaction) { if (isset($view_data['reason'])) { $view_data['reason'] = $transaction['reason']; } } } } else { unset($application['payment'][$i]); } $i++; } if ($total_emi >= $amount_received) { $balance_emi = $total_emi - $amount_received; $charges = $bounce_charges + $delay_penalty; } else { $balance_emi = 0; $amount_received = $amount_received - $total_emi; $charges = ($bounce_charges + $delay_penalty) - $amount_received; } if ($waived <= $charges) { $charges = $charges - $waived; } else { $charges = 0; $balance_emi = $balance_emi - ($waived - $charges); } $application['balance_emi'] = $balance_emi; $application['charges'] = $charges; $view_data['data'] = $application; array_push($application_ids, $id); $total_applications = $total_applications + 1; // if ($application_ids == "") { // $application_ids = $id; // } else { // $application_ids = $application_ids . "," . $id; // } if (!$view_data['data']['amount_due'] && !$view_data['delay_days'] && empty($view_data['payment_link'])) { $view_data['data']['amount_due'] = $view_data['for_today_emi_amount'] ?? 0; } $view_data['send_anyways'] = $send_anyways; if (($view_data['data']['amount_due'] > 0 || $due == 0) && (($charges > 699 || $balance_emi > 0) || $send_anyways == 1 || $all_due_cases == 1 || $due == 0) && ($send_email == 1 || $send_message == 1)) { setlocale(LC_MONETARY, 'en_IN.UTF-8'); if ($view_data['data']['amount_due'] > 299 || $send_anyways == 1) { if ($view_data['data']['amount_due']) { $razorpaydata['amount'] = $view_data['data']['amount_due']; $razorpaydata['email'] = ""; $razorpaydata['lender_id'] = $view_data['data']['lender_id']; $razorpaydata['id'] = $id; $razorpaydata['purpose'] = 'emi & penalty'; $razorpaydata['customer_amount_link'] = false; $razorpaydata['emi_date'] = Carbon::now()->toDateString(); $view_data['payment_link'] = (new ConsumerApplicationController())->getrazorpaylink($razorpaydata); //(new CSV())->save(['data' => ['type' => 'link', 'value' => $view_data['payment_link'], 'id' => $id]], $current_date.'_overdue_reminder', null, 'csv'); } else { $view_data['payment_link'] = ""; } // $hashids = new Hashids('Creditfair by CS', 20); // $hashed_id = $hashids->encode($id); // try { // $view_data['payment_link'] = \Bitly::getUrl(asset("paytm/" . $hashed_id)); // }catch (\Exception $e){ // $view_data['payment_link'] = asset("paytm/" . $hashed_id); // } } else { $view_data['payment_link'] = ""; } if ($view_data['data']['amount_due'] > 0) { $view_data['subject'] = "Your payment of Rs " . \str_replace('.00', '', ($view_data['data']['amount_due'])) . " is overdue"; } else { $view_data['subject'] = "Your Nach / cheque bounced on " . date('Y-m-d'); } if (isset($view_data['data']['coapplicant_name']) && !empty($view_data['data']['coapplicant_name'])) { $applicant = $view_data['data']['applicant_name'] . " / " . $view_data['data']['coapplicant_name']; } else { $applicant = $view_data['data']['applicant_name']; } $view_data['sms'] = "Dear " . $applicant . ",

You are " . $view_data['delay_days'] . " days late on your payment of Rs." . \str_replace('.00', '', ($view_data['data']['amount_due'])) . " due towards."; if ($application['balance_emi'] > 0) { $view_data['sms'] .= " EMI of Rs." . \str_replace('.00', '', ($application['balance_emi'])) . ""; } if ($application['balance_emi'] > 0 && $application['charges'] > 0) { $view_data['sms'] .= " and"; } if ($application['charges'] > 0) { $view_data['sms'] .= " fees of Rs." . \str_replace('.00', '', ($application['charges'])) . ""; } if ($view_data['data']['amount_due'] > 299 || $send_anyways == 1) { $view_data['sms'] .= " Pay now on " . $view_data['payment_link'] . ""; if (count($application['payment']) > 1) { $view_data['body'] = view('emails.reminders.emi_due_reminder_with_payment_link_with_penalty_multiple', $view_data)->render(); $view_data['sms'] .= "
We might have to pursue legal action if we don't hear from you. Call us on 91-8928769161 if you need any help or have already paid.

Regards,
Team Credit Fair"; $view_data['sms'] = str_replace('
', "\n", $view_data['sms']); $view_data['sms'] = str_replace('
', "\n", $view_data['sms']); $entity = ['templateid' => '1307166478154391555', 'entityid' => Templates::$entityid]; } else { $view_data['body'] = view('emails.reminders.emi_due_reminder_with_payment_link_with_penalty', $view_data)->render(); $view_data['sms'] .= "
Late payments can spoil your credit history and you might not be able to get loans in the future from any bank or finance company. Call us on +91-8928769161 if you need any help or have already paid.

Regards,
Team Credit Fair"; $view_data['sms'] = str_replace('
', "\n", $view_data['sms']); $view_data['sms'] = str_replace('
', "\n", $view_data['sms']); $entity = ['templateid' => '1307161744590392816', 'entityid' => Templates::$entityid]; } } else { $view_data['body'] = view('emails.reminders.emi_due_reminder_with_payment_link_with_penalty', $view_data)->render(); $view_data['sms'] .= "
Late payments can spoil your credit history and you might not be able to get loans in the future from any bank or finance company. Call us on +91-8928769161 if you need any help or have already paid.

Regards,
Team Credit Fair"; $view_data['sms'] = str_replace('
', "\n", $view_data['sms']); $view_data['sms'] = str_replace('
', "\n", $view_data['sms']); $entity = ['templateid' => '1307161744712717909', 'entityid' => Templates::$entityid]; } $view_data['is_moratoriums'] = Moratorium::where('application_id', $id)->where('status', 1)->first(); $view_data['moratorium_amount_total_view'] = $moratorium_amount_total; $withOutEMI = $application['charges'] + $moratorium_amount_total; if ($view_data['data']['amount_due'] <= $withOutEMI && $view_data['data']['amount_due']) { $view_data['subject'] = "Your payment of Rs." . \str_replace('.00', '', money_format('%!i', ($view_data['data']['amount_due']))); $view_data['hide_row'] = 1; } // if (count($application['payment']) > 1) { // $view_data['body'] = view('emails.reminders.emi_due_reminder_with_payment_link_with_penalty_multiple', $view_data)->render(); // $view_data['sms'] .= "
We might have to pursue legal action if we don't hear from you. Call us on +91-8928769161 if you need any help or have already paid.

Regards,
Team Credit Fair"; // } else { // $view_data['body'] = view('emails.reminders.emi_due_reminder_with_payment_link_with_penalty', $view_data)->render(); // $view_data['sms'] .= "
Late payments can spoil your credit history and you might not be able to get loans in the future from any bank or finance company. Call us on +91-8928769161 if you need any help or have already paid.

Regards,
Team Credit Fair"; // } // $view_data['sms'] = str_replace('
', "\n", $view_data['sms']); // $view_data['sms'] = str_replace('
', "\n", $view_data['sms']); // $entity = ['templateid' => '1307166436163989146', 'entityid' => Templates::$entityid]; // testing email start // $view_data['email_id'] = ['payments@creditfair.in']; // // // \Mail::send('emails.blank', // ['body' => $view_data['body']] // , function ($message) use ($view_data) { // $message->to($view_data['email_id'])->subject($view_data['subject']); // }); // $this->emailCount++; //$mobile = '918291919036'; //send_sms($mobile, ['message'=>$view_data['sms'],'id'=>$application_id,'id_type'=>'application_id']); // testing email end $view_data['data']['isAttachment'] = 0; if ($payment_status == 'rejected') { $frontController = new FrontController(); $statement = $frontController->getStatement($id, true); $view_data['data']['pdf'] = $statement; $view_data['data']['fileName'] = "Account_Statement.pdf"; $view_data['data']['isAttachment'] = 1; } $merchant = ConsumerApplication::where('id',$application['application_id'])->first(['merchant_id']); $consent_key = array_search ('Overdue', CommunicationService::$com_category); $email_comm = CommunicationMapping::whereRaw('FIND_IN_SET('.$consent_key.',type_ids)')->where('communication_id',1)->where('merchant_id',$merchant['merchant_id'])->count(); $communication = CommunicationMapping::where('merchant_id',$merchant['merchant_id'])->count(); //(new CSV())->save(['data' => ['type' => 'email', 'value' => 'preparing to send email', 'id' => $id]], $current_date.'_overdue_reminder', null, 'csv'); if (isset($view_data['data']['applicant_email']) && ($email_comm == 1 || $communication == 0 || $consent_key == 0) && !empty($view_data['data']['applicant_email']) && $send_email == 1 && UserEmails::isValid($view_data['data']['applicant_email']) && isset($view_data['subject']) && !(BNPL::is($view_data['data']['merchant_id'])) && !in_array($view_data['data']['merchant_id'], [6418, 6517, 6598, 6865, 6600])) { Mail::send('emails.blank', ['body' => $view_data['body']] , function ($message) use ($view_data) { $message->to($view_data['data']['applicant_email'])->subject($view_data['subject']); if (isset($view_data['data']['coapplicant_email']) && !empty($view_data['data']['coapplicant_email'])) { $message->cc([$view_data['data']['coapplicant_email']]); } else { //$message->cc('payments@creditfair.in'); } if ($view_data['data']['isAttachment'] == 1) { $message->attachData($view_data['data']['pdf']->output(), $view_data['data']['fileName']); } }); //(new CSV())->save(['data' => ['type' => 'email', 'value' => 'email sent', 'id' => $id]], $current_date.'_overdue_reminder', null, 'csv'); $this->emailCount++; } //(new CSV())->save(['data' => ['type' => 'sms', 'value' => 'preparing to send sms', 'id' => $id]], $current_date.'_overdue_reminder', null, 'csv'); if (isset($view_data['data']['applicant_number']) && !empty($view_data['data']['applicant_number']) && isset($view_data['sms']) && $send_message == 1 && isset($view_data['subject']) && !(BNPL::is($view_data['data']['merchant_id'])) && !in_array($view_data['data']['merchant_id'], [6418, 6517, 6598, 6865, 6600])) { $mobile = '91' . $view_data['data']['applicant_number']; if (isset($view_data['data']['coapplicant_number']) && !empty($view_data['data']['coapplicant_number'])) { $mobile .= $mobile . ",91" . $view_data['data']['coapplicant_number']; } $sm_comm = CommunicationMapping::whereRaw('FIND_IN_SET('.$consent_key.',type_ids)')->where('communication_id',2)->where('merchant_id',$merchant->merchant_id)->count(); if($sm_comm == 1 || $communication == 0 || $consent_key == 0) { send_sms($mobile, ['message' => $view_data['sms'], 'id' => $id, 'id_type' => 'application_id', 'message_type' => "payment", 'templateDetails' => $entity]); $this->smsCount++; } } $serviceCount++; } $response[$id] = $view_data; $view_data['delay_days'] = 0; $sent = $sent + 1; if ($sent == 11) { $sent = 0; // sleep for 1 seconds sleep(1); } } if ($iceCounter == 50) { $iceCounter = 0; (new Slack(new Request(['title' => 'Over Due Reminder Summary - counter', 'fields' => ['Name' => 'overDuePaymentReminder'], 'group' => Slack::$STAGE_TESTING])))->send(); } }catch (\Exception $e){ if (!isset($errorFound)){ $errorFound = 1; (new Slack(new Request(['title' => 'Over Due Reminder Summary - error', 'fields' => ['E' => $e->getFile(), 'M' => $e->getMessage(), 'L' => $e->getLine(), 'T' => $e->getTraceAsString()], 'group' => Slack::$STAGE_TESTING])))->send(); } } $iceCounter++; } return array('response'=>$response, 'application_ids' =>$application_ids,'total_applications'=>$total_applications,'service_count' => $serviceCount); } public function overDueReminderPython($application_id, $collectionEmail) { $payload = json_encode([ 'application_id' => $application_id, 'collectionEmail' => $collectionEmail ]); // Initialize cURL // $ch = curl_init('http://127.0.0.1:8001/overdue-reminder'); $OverdueReminder = _env('CF_OVERDUE_ENDPOINT', 'http://127.0.0.1:8000/overdue-reminder'); $ch = curl_init($OverdueReminder); // Set cURL options curl_setopt_array($ch, [ CURLOPT_RETURNTRANSFER => true, CURLOPT_POST => true, CURLOPT_HTTPHEADER => [ 'Content-Type: application/json', 'Accept: application/json' ], CURLOPT_POSTFIELDS => $payload, CURLOPT_TIMEOUT => 30, // optional: prevent hanging ]); // Execute request $response = curl_exec($ch); // Handle cURL errors if (curl_errno($ch)) { $error = curl_error($ch); curl_close($ch); return [ 'message' => "cURL Error: $error", ]; } curl_close($ch); $decoded = json_decode($response, true); // If JSON invalid fallback to raw $message = $decoded['message'] ?? $response; return [ 'status' => 'success', 'message' => $message ]; } public function getForeclosureAmount($application_id ,$foreclosure_date = ''){ $payment_data = $this->getPaymentDueHistory($application_id,"",1); if($foreclosure_date == ""){ $foreclosure_date = date('Y-m-d',(strtotime ('29 day',time()))); } $response['previous_pending'] = 0; $response['future_emi'] = 0; $response['due_emi'] = 0; $response['bounce_charges'] = 0; $response['penal_interest'] = 0; $response['gst'] = 0; $response['advance_payment'] = 0; foreach ($payment_data[$application_id]['payment'] as $payments){ if($payments->emi_date <= $foreclosure_date) { if($payments['amount_due'] > 0) { $response['previous_pending'] = $response['previous_pending'] + $payments['pending_amount']; $response['bounce_charges'] = $response['bounce_charges'] + (isset($payments['bounce_charges']) ? $payments['bounce_charges'] : 0); $response['penal_interest'] = $response['penal_interest'] + (isset($payments['delay_penalty']) ? $payments['delay_penalty'] : 0); } $response['foreclosure_date'] = $payments->emi_date; }else{ $response['advance_payment'] = $response['advance_payment'] + ($payments['total_payable'] - $payments['amount_due']); } } $amort = new AccountingController(); $schedule = $amort->viewloanschedule($application_id,1,1); foreach ($schedule['schedule'] as $loan_schedule){ if($loan_schedule['emi_date'] > $foreclosure_date){ $response['future_emi'] = $response['future_emi'] + $loan_schedule['principal']; } } $response['future_emi'] = round(($response['future_emi']-$response['advance_payment']),0); $response['total_outstanding'] = $response['previous_pending'] + $response['future_emi']; $this->loan_schedule = $schedule; return $response; } public function forecloseCase($application_id){ $application = ConsumerApplication::with('application_element', 'merchant','proFormaInvoice')->where('id', $application_id)->first(['id', 'merchant_id','state','name']); $check = $this->checkIfPaymentReceived($application); if($check){ $consumerApplicationController = new ConsumerApplicationController(); request()->merge(['state' => 'closed']);; $consumerApplicationController->updateStatus($application_id); (new Slack(new Request(['title' => 'Loan Auto Closed', 'fields' => ['Name' => $application->name, 'merchant_name' => $application->merchant->merchant_name, 'Application ID' => $application->id], 'group' => Slack::$STAGE_TESTING /*'payment_collection'*/])))->send(); }else{ (new Slack(new Request(['title' => 'Loan could not be auto closed', 'fields' => ['Name' => $application->name, 'merchant_name' => $application->merchant->merchant_name, 'Application ID' => $application->id], 'group' => Slack::$STAGE_TESTING /*'payment_collection'*/])))->send(); } } public function autoWaiveOff($id){ $consumerApplicationElement = ConsumerApplicationElement::where('application_id', $id)->first(['total_amount_due']); $auto_waive_amount = AutoWaiver::first(); if(!isset($auto_waive_amount->waive_off_amt)){ return false; } if(!isset($consumerApplicationElement->total_amount_due)){ return false; } if($consumerApplicationElement->total_amount_due && $consumerApplicationElement->total_amount_due <= (float) $auto_waive_amount->waive_off_amt){ $emiPayments = EmiPayment::where('application_id', $id)->where('payment_status', 'partial')->get(['id', 'amount_due']); $amountToBeWaivedOff = 0; $emiIds = []; foreach($emiPayments as $emiPayment){ if($emiPayment->amount_due){ $amountToBeWaivedOff += $emiPayment->amount_due; $emiIds[$emiPayment->id] = $emiPayment->amount_due; } } $accounting = new AccountingController(); if($amountToBeWaivedOff <= (float)$auto_waive_amount->waive_off_amt){ foreach($emiIds as $emiId => $emiAmount){ $accounting->updateWaiveOff(new Request(['emi_id' => $emiId, 'waive_amount' => $emiAmount, 'go_maker_check' => true])); } } } return false; } }