ultimatepos/Modules/Accounting/Services/InstallmentService.php

<?php

namespace Modules\Accounting\Services;

use Carbon\Carbon;
use Modules\Accounting\Domain\FinancialPostingRequest;
use Modules\Accounting\Entities\AccountingInstallmentPlan;
use Modules\Accounting\Entities\AccountingInstallmentSchedule;

class InstallmentService
{
    public function __construct(protected FinancialPostingService $postingService) {}

    public function createPlan(array $data, int $businessId, int $userId): AccountingInstallmentPlan
    {
        $count = (int) $data['installment_count'];
        $principal = (float) $data['principal_amount'];
        $installmentAmount = round($principal / max($count, 1), 4);

        $plan = AccountingInstallmentPlan::create([
            'business_id' => $businessId,
            'transaction_id' => $data['transaction_id'],
            'contact_id' => $data['contact_id'] ?? null,
            'principal_amount' => $principal,
            'installment_count' => $count,
            'installment_amount' => $installmentAmount,
            'interest_rate' => $data['interest_rate'] ?? 0,
            'start_date' => $data['start_date'],
            'frequency' => $data['frequency'] ?? 'monthly',
            'status' => 'active',
            'created_by' => $userId,
        ]);

        $dueDate = Carbon::parse($data['start_date']);
        for ($i = 1; $i <= $count; $i++) {
            AccountingInstallmentSchedule::create([
                'installment_plan_id' => $plan->id,
                'installment_number' => $i,
                'due_date' => $dueDate->copy()->toDateString(),
                'amount' => $installmentAmount,
                'status' => 'pending',
            ]);

            $dueDate = match ($plan->frequency) {
                'weekly' => $dueDate->addWeek(),
                'quarterly' => $dueDate->addMonths(3),
                default => $dueDate->addMonth(),
            };
        }

        return $plan->load('schedule');
    }

    public function recordPayment(
        AccountingInstallmentSchedule $schedule,
        float $amount,
        int $userId,
        int $debitAccountId,
        int $creditAccountId
    ): AccountingInstallmentSchedule {
        $mapping = $this->postingService->post(new FinancialPostingRequest(
            businessId: $schedule->plan->business_id,
            userId: $userId,
            sourceType: 'installment_payment',
            sourceId: $schedule->id,
            note: 'Installment #'.$schedule->installment_number,
            lines: [
                ['accounting_account_id' => $debitAccountId, 'amount' => $amount, 'type' => 'debit'],
                ['accounting_account_id' => $creditAccountId, 'amount' => $amount, 'type' => 'credit'],
            ],
            operationDate: now()->toDateString(),
        ));

        $schedule->paid_amount = (float) $schedule->paid_amount + $amount;
        $schedule->journal_mapping_id = $mapping?->id;
        $totalDue = (float) $schedule->amount + (float) $schedule->penalty_amount;
        $schedule->status = $schedule->paid_amount + 0.01 >= $totalDue ? 'paid' : 'partial';
        $schedule->save();

        $plan = $schedule->plan;
        if ($plan->schedule()->whereNotIn('status', ['paid'])->count() === 0) {
            $plan->update(['status' => 'completed']);
        }

        return $schedule;
    }

    public function markOverdue(?int $businessId = null): int
    {
        $query = AccountingInstallmentSchedule::query()
            ->whereIn('status', ['pending', 'partial'])
            ->whereDate('due_date', '<', now()->toDateString())
            ->whereHas('plan', function ($q) use ($businessId) {
                $q->where('status', 'active');
                if ($businessId) {
                    $q->where('business_id', $businessId);
                }
            });

        $count = 0;
        foreach ($query->with('plan')->get() as $schedule) {
            $this->applyOverduePenalty($schedule);
            if ($schedule->status !== 'paid') {
                $schedule->status = $schedule->paid_amount > 0 ? 'partial' : 'overdue';
            }
            $schedule->save();
            $count++;
        }

        return $count;
    }

    public function calculatePenalty(AccountingInstallmentSchedule $schedule): float
    {
        $plan = $schedule->plan;
        $rate = (float) ($plan->interest_rate ?: config('accounting.installments.default_penalty_rate', 0));
        if ($rate <= 0) {
            return 0.0;
        }

        $outstanding = max(0, (float) $schedule->amount - (float) $schedule->paid_amount);
        if ($outstanding < 0.01) {
            return 0.0;
        }

        $daysOverdue = Carbon::parse($schedule->due_date)->diffInDays(now());
        if ($daysOverdue < 1) {
            return 0.0;
        }

        $months = max(1, (int) ceil($daysOverdue / 30));

        return round($outstanding * ($rate / 100) * $months, 4);
    }

    protected function applyOverduePenalty(AccountingInstallmentSchedule $schedule): void
    {
        $penalty = $this->calculatePenalty($schedule);
        if ($penalty > (float) $schedule->penalty_amount) {
            $schedule->penalty_amount = $penalty;
        }
    }

    public function totalDue(AccountingInstallmentSchedule $schedule): float
    {
        return round((float) $schedule->amount + (float) $schedule->penalty_amount - (float) $schedule->paid_amount, 4);
    }
}