public PaymentSchedule GeneratePaymentSchedule(PaymentData order)
{
var sched = new PaymentSchedule();
sched.CreditBalance = order.CreditAmount;
sched.GiftCardBalance = order.GiftCardAmount;
sched.UpfrontDue = order.UpfrontTotal;
//Default in case rate is 0%
var payment = (double)order.FinancedTotal / order.Terms;
if (order.APR > 0)
{
var rate = (double)order.APR / 1200;
payment = rate * (double)order.FinancedTotal / (1 - Math.Pow((1 + rate), (order.Terms * -1)));
}
var roundPayment = Math.Round(payment, 2);
//Always round up!
if (roundPayment < payment) roundPayment += .01;
sched.MonthlyPayment = (Decimal)roundPayment;
var totalDue = payment * order.Terms;
var totalPayments = sched.MonthlyPayment * order.Terms;
var finalAdjustment = (decimal)totalDue - totalPayments;
sched.FinalPayment = sched.MonthlyPayment + Math.Round(finalAdjustment, 2);
return sched;
}
public void Should_be_able_to_determine_a_payment_schedule()
{
var paydata = new PaymentData
{
APR = 7.8M,
FinancedTotal = 225000M,
Terms = 360,
GiftCardAmount = 0M,
CreditAmount = 0M,
UpfrontTotal = 25000M
};
var expectedAmountDue = 25000M;
var expectedPayment = 1619.71M;
var expectedFinal = 1619.22M;
var expectedGift = 0M;
var expectedCredit = 0M;
var schedule = DefaultContext.FinanceTask.GeneratePaymentSchedule(paydata);
Assert.AreEqual(expectedAmountDue, schedule.UpfrontDue);
Assert.AreEqual(expectedPayment, schedule.MonthlyPayment);
Assert.AreEqual(expectedFinal, schedule.FinalPayment);
Assert.AreEqual(expectedGift, schedule.GiftCardBalance);
Assert.AreEqual(expectedCredit, schedule.CreditBalance);
}
public PaymentData CombineLineData(PaymentData order)
{
var curorder = order;
curorder.UpfrontTotal = curorder.Parts.Sum(x => x.UpfrontAmount);
curorder.FinancedTotal = curorder.Parts.Sum(x => x.FinancedAmount);
return curorder;
}
public void BeforeScenario()
{
var order = new PaymentData();
var schedule = new PaymentSchedule();
ScenarioContext.Current.Set(order);
ScenarioContext.Current.Set(schedule);
ScenarioContext.Current.Set(_payTasks);
}
public JsonResult CalcPaymentSchedule(PaymentData data)
{
var schedule = _pay.CalculatePaymentSchedule(data);
var result = new
{
AmountDue = String.Format("{0:C}",schedule.UpfrontDue),
Payment = String.Format("{0:C}",schedule.MonthlyPayment),
Final = String.Format("{0:C}",schedule.FinalPayment),
Gift =String.Format("{0:C}",schedule.GiftCardBalance),
Credit = String.Format("{0:C}",schedule.CreditBalance),
};
return Json(result, JsonRequestBehavior.AllowGet);
}
public PaymentData ApplyGiftCertificate(PaymentData order)
{
var curorder = order;
decimal applyAmount;
applyAmount = Math.Min(curorder.GiftCardAmount, curorder.UpfrontTotal);
curorder.UpfrontTotal -= applyAmount;
curorder.GiftCardAmount -= applyAmount;
applyAmount = Math.Min(curorder.GiftCardAmount, curorder.FinancedTotal);
curorder.FinancedTotal -= applyAmount;
curorder.GiftCardAmount -= applyAmount;
return curorder;
}
public PaymentData ApplyCredit(PaymentData order)
{
var curorder = order;
decimal applyAmount;
applyAmount = Math.Min(curorder.CreditAmount, curorder.UpfrontTotal);
curorder.UpfrontTotal -= applyAmount;
curorder.CreditAmount -= applyAmount;
applyAmount = Math.Min(curorder.CreditAmount, curorder.FinancedTotal);
curorder.FinancedTotal -= applyAmount;
curorder.CreditAmount -= applyAmount;
return curorder;
}
public void BeforeLargeOrderScenario()
{
var order = new PaymentData();
var schedule = new PaymentSchedule();
var parts = new List<PartData>
{
new PartData {PartName = "Flexible whisker sensors", UnitPrice = 100M, UpfrontPercent = 0M, DiscountPercent = .1M, Quantity = 100},
new PartData {PartName = "Assorted Gears and Bearings", UnitPrice = 50M, UpfrontPercent = 0M, DiscountPercent = 0M, Quantity = 100},
new PartData {PartName = "Mountable Halogen Floodlights", UnitPrice = 100M, UpfrontPercent = .1M, DiscountPercent = .05M, Quantity = 50}
};
order.Parts = parts.ToArray();
ScenarioContext.Current.Set(order);
ScenarioContext.Current.Set(schedule);
ScenarioContext.Current.Set(_payTasks);
}
public PaymentSchedule CalculatePaymentSchedule(PaymentData data)
{
var order = data;
for(int i = 0; i < order.Parts.Count(); i++)
{
var part = data.Parts[i];
part = _finance.LoadLineData(part);
part = _finance.CalculateLineTotals(part);
order.Parts[i] = part;
}
order = _finance.CombineLineData(order);
order = _finance.ApplyGiftCertificate(order);
order = _finance.ApplyCredit(order);
var schedule = _finance.GeneratePaymentSchedule(order);
return schedule;
}
public void Should_apply_remainder_gift_certificates_to_financed_amount()
{
var paydat = new PaymentData()
{
FinancedTotal = 1000,
UpfrontTotal = 500,
GiftCardAmount = 700,
};
paydat = DefaultContext.FinanceTask.ApplyGiftCertificate(paydat);
var expectedFinanced = 800; // 800 or 300
var expectedUpfront = 0; //0 or 500
var expectedGift = 0;
Assert.AreEqual(expectedGift, paydat.GiftCardAmount);
Assert.AreEqual(expectedUpfront, paydat.UpfrontTotal);
Assert.AreEqual(expectedFinanced, paydat.FinancedTotal);
}
public void Should_apply_credit_to_down_payment()
{
var paydat = new PaymentData()
{
FinancedTotal = 1000,
UpfrontTotal = 500,
CreditAmount = 100,
};
paydat = DefaultContext.FinanceTask.ApplyCredit(paydat);
var expectedFinanced = 1000;
var expectedUpfront = 400;
var expectedCredit = 0;
Assert.AreEqual(expectedCredit, paydat.CreditAmount);
Assert.AreEqual(expectedUpfront, paydat.UpfrontTotal);
Assert.AreEqual(expectedFinanced, paydat.FinancedTotal);
}
public void Should_be_able_to_return_remaining_credits()
{
var paydata = new PaymentData
{
APR = 10M,
FinancedTotal = 0,
Terms = 12,
GiftCardAmount = 100M,
CreditAmount = 200M
};
var expectedAmountDue = 0M;
var expectedPayment = 0M;
var expectedFinal = 0M;
var expectedGift = 100M;
var expectedCredit = 200M;
var schedule = DefaultContext.FinanceTask.GeneratePaymentSchedule(paydata);
Assert.AreEqual(expectedAmountDue, schedule.UpfrontDue);
Assert.AreEqual(expectedPayment, schedule.MonthlyPayment);
Assert.AreEqual(expectedFinal, schedule.FinalPayment);
Assert.AreEqual(expectedGift, schedule.GiftCardBalance);
Assert.AreEqual(expectedCredit, schedule.CreditBalance);
}
public void Should_retain_remaining_gift_certificate()
{
var paydat = new PaymentData()
{
FinancedTotal = 1000,
UpfrontTotal = 500,
GiftCardAmount = 2100,
};
paydat = DefaultContext.FinanceTask.ApplyGiftCertificate(paydat);
var expectedFinanced = 0;
var expectedUpfront = 0; //0 or 500
var expectedGift = 600; //600 or 1100
Assert.AreEqual(expectedGift, paydat.GiftCardAmount);
Assert.AreEqual(expectedUpfront, paydat.UpfrontTotal);
Assert.AreEqual(expectedFinanced, paydat.FinancedTotal);
}
public void Should_combine_all_parts_into_summary_data()
{
var paydat = new PaymentData();
paydat.Parts = new PartData[3];
paydat.Parts[0] = DefaultContext.FinanceTask.CalculateLineTotals(new PartData { DiscountPercent = .25M, Quantity = 3, UnitPrice = 150, UpfrontPercent = 0M });
paydat.Parts[1] = DefaultContext.FinanceTask.CalculateLineTotals(new PartData { DiscountPercent = 0M, Quantity = 2, UnitPrice = 125, UpfrontPercent = .1M });
paydat.Parts[2] = DefaultContext.FinanceTask.CalculateLineTotals(new PartData { DiscountPercent = .10M, Quantity = 4, UnitPrice = 210, UpfrontPercent = .15M });
var expectedUpfront = 138.4M;
var expectedFinanced = 1205.1M;
paydat = DefaultContext.FinanceTask.CombineLineData(paydat);
Assert.AreEqual(expectedFinanced, paydat.FinancedTotal);
Assert.AreEqual(expectedUpfront, paydat.UpfrontTotal);
}