Using Banking Products in Digital Journeys

FTOS_BP_GetDiscountDetail

Returns the discount information.

Inputs:

productDiscountId - from FTOS_BP_BankingProductDiscount;
bankingProductId - from FTOS_BP_BankingProduct (attribute: FTOS_BP_BankingProductid); optional/ provided for formula association;
formulaInputId - id of any entity used as master entity in data mapping input/ output at the formula setup; optional;
discountInput - json for formula input if necessary when no mapping was done for formula. The form of this json should look like the one in test formula.

Outputs:

Object with details about the provided discount from FTOS_BP_BankingProductDiscount and associated FTOS_BP_Discount. If use Banking Formula is checked, then the value is equal to the formula result.

Call example:

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//with formula
var data = {
    "productDiscountId": "32d391e4-9f26-4315-9c1d-ebd54bfa4e1d",
    "bankingProductId": "25b9efdf-6ca5-48c5-8507-5543a22377b2",
    "discountInput": {
        "Amount": 6000.00
    }
};
ebs.callActionByName("FTOS_BP_GetDiscountDetail", data,
function(s){ if(s.UIResult){console.log(s.UIResult.Data.discountDetail);}});
/*
[
    {
        "id": "32d391e4-9f26-4315-9c1d-ebd54bfa4e1d",
        "name": "discountAAAA",
        "discountTypeId": "f0da4a04-a513-4394-8b60-96d0a9409d7c",
        "value": 5.3,
        "startDate": {
            "invariantDate": "2021-03-01"
        },
        "endDate": {
            "invariantDate": "2021-12-31"
        },
        "appliedToDimension": "a16d6728-76ac-4d72-8fa7-a992e9a6a63f",
        "interestTypeId": "3a5ffd12-bfc6-4826-bb81-7e49d2f1c2c6",
        "commissionTypeId": null,
        "insuranceClassId": null,
        "insuranceId": null,
        "isOptionalDiscount": false,
        "isPercentage": true,
        "useFormula": true,
        "formulaTypeId": "a0dd56a6-a0b9-446b-8e1d-b2c052cafe0b"
    }
]
*/
//without formula (value only)
var data = {
    "productDiscountId": "32d391e4-9f26-4315-9c1d-ebd54bfa4e1d"
};
ebs.callActionByName("FTOS_BP_GetDiscountDetail", data,
function(s){ if(s.UIResult){console.log(s.UIResult.Data.discountDetail);}});

/*
[
    {
        "id": "32d391e4-9f26-4315-9c1d-ebd54bfa4e1d",
        "name": "discountAAAA",
        "discountTypeId": "f0da4a04-a513-4394-8b60-96d0a9409d7c",
        "value": 5,
        "startDate": {
            "invariantDate": "2021-03-01"
        },
        "endDate": {
            "invariantDate": "2021-12-31"
        },
        "appliedToDimension": "a16d6728-76ac-4d72-8fa7-a992e9a6a63f",
        "interestTypeId": "3a5ffd12-bfc6-4826-bb81-7e49d2f1c2c6",
        "commissionTypeId": null,
        "insuranceClassId": null,
        "insuranceId": null,
        "isOptionalDiscount": false,
        "isPercentage": true,
        "useFormula": false,
        "formulaTypeId": null
    }
]
*/

FTOS_BP_GetAvailableProductImage

Returns the product image.

Input:

bakingProductId - from FTOS_BP_BankingProduct (attribute: FTOS_BP_BankingProductid)

Output:

productImage - from FTOS_BP_BankingProduct (attribute: productImage)

Call example:

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ebs.callActionByNameAsync("FTOS_BP_GetAvailableProductImage", { bankingProductId : "f625e5e5-bc51-4bf8-8ff0-b8a295694a23" })
        .then(function (e) {
                         var img = e.UIResult.Data;
                     }).catch(function (err) {
                         console.log(err);
                     });

FTOS_BP_GetBankingProductDetails

Returns the product details.

Input:

bakingProductId - from FTOS_BP_BankingProduct (attribute: FTOS_BP_BankingProductid)

Output:

Section with the following fields:

product.Name - from FTOS_BP_BankingProduct (attribute: Name)
product.ProductImage - from FTOS_BP_BankingProduct (attribute: productImage )
product.Benefits - from FTOS_BP_BankingProduct (attribute: Benefits)
product.DisplayConditions - from FTOS_BP_BankingProduct (attribute: displayConditions)
product.NoOfDebtor - from FTOS_BP_BankingProduct (attribute: NoOfDebtor)

Call example:

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ebs.callActionByNameAsync('FTOS_BP_GetBankingProductDetails', {  bankingProductId : "f625e5e5-bc51-4bf8-8ff0-b8a295694a23"})
.then(function (res) {
    res = res.UIResult;
}).catch(function (err) {
    console.log(err);
})

FTOS_BP_GetAvailabilityFiltersOnProduct

Returns the availability filters configured on a product.

Input:

BankingProductId - from FTOS_BP_BankingProduct (attribute: FTOS_BP_BankingProductid)

Output:

filterName - from FTOS_BP_ProductAvailabilityItemFilter (attribute: name)
FilterValue - from FTOS_BP_ProductAvailabilityItemFilter (attribute: textValue)

Call example:

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ebs.callActionByNameAsync('FTOS_BP_GetAvailabilityFiltersOnProduct', {  bankingProductId : "f625e5e5-bc51-4bf8-8ff0-b8a295694a23"})
.then(function (res) {
    res = res.UIResult;
}).catch(function (err) {
    console.log(err);
})

FTOS_BP_GetProductType

Returns the types of banking product in which there are active banking products.

Input:

currentDate - new Date();

Output:

function getProductType from library BankingProductHelper.Utils - returns an object with product types.

Call example:

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var p = {};
p.currentDate = new Date();
ebs.callActionByNameAsync("FTOS_BP_GetProductType", p).then(function (e) {
        var type = e.UIResult.Data;
    }).catch(function (err) {
        console.log(err);
    });

FTOS_BP_GetAvailableProductFeatures

Returns the product features.

Input:

BankingProductId - from FTOS_BP_BankingProduct (attribute: FTOS_BP_BankingProductid)

Output:

section with all features from FTOS_BP_Feature for the sent banking product.

Call example:

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ebs.callActionByNameAsync("FTOS_BP_GetAvailableProductFeatures", { bankingProductId : "f625e5e5-bc51-4bf8-8ff0-b8a295694a23"})
.then(function (e) {
                     var features = e.UIResult.Data;
                    });

FTOS_BP_GetAvailableProductsExtra

Returns the product extras.

Input:

currentDate - date
productTypeId - ID of banking product Type - from FTOS_BP_BankingProduct (attribute: bpProductTypeId)

Output:

Call example:

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var p = {}
p.currentDate = new Date();
p.productTypeId = "E9F52E35-1FAA-4CB7-B4BC-D685F326C907"
p.filterList = [{ "name": "age", "value": 25 }];
ebs.callActionByNameAsync("FTOS_BP_GetAvailableProductsExtra", p).then(function (e) {
            var data = e.UIResult.Data.products;
            });

FTOS_BP_GetPrimaryAttribute

Returns the primary attribute.

Input:

FromEntity - entity ID

Output:

the name of Primary attribute from current entity.

Call example:

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var p={};
p.FromEntity = "9a9ec886-296b-487d-aff9-30b8e1eb43b8"; //ID of FTOS_BP_BankingProduct entity
ebs.callActionByNameAsync("FTOS_BP_GetPrimaryAttribute", p).then(function (s) {
                        if (s.UIResult.Data) {
                            var primaryattribute = s.UIResult.Data.Records[0].Name;
                            }
});

//Returns "Name"

FTOS_BP_GetProductDocuments

Returns the documents on a banking product.

Input:

bankingProductId - from FTOS_BP_BankingProduct (attribute: FTOS_BP_BankingProductid)

Output:

section with data from FTOS_BP_BankingProductDocument for the current banking product.

Call example:

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var p = {};
p.bankingProductId = "f625e5e5-bc51-4bf8-8ff0-b8a295694a23";
ebs.callActionByNameAsync('FTOS_BP_GetProductDocuments', p).then(function (res) {
    res = res.UIResult;
    });

FTOS_BP_GetInterestDetail

Returns the interest details.

Input:

interestListId - from FTOS_BP_InterestList (attribute: FTOS_BP_InterestListid);
interestId - from FTOS_BP_Interest (attribute: FTOS_BP_Interestid);
bankingProductId - from FTOS_BP_BankingProduct (attribute: FTOS_BP_BankingProductid) - optional/ provided for formula association;
formulaInputId - id of any entity used as master entity in data mapping input/ output at the formula setup; optional;
interestInput - json for formula input if necessary when no mapping was done for formula. The form of this json should look like the one in test formula.

The scope of the endpoint can be an interestListId returning all interests in that list or an interestId returning all the details for a specific interest.

Output:

object with details about all the interests in the interest list from FTOS_BP_Interest and FTOS_BP_InterestValue. If interest type is BankingFormula, then interestRate is equal to the formula result.

Call example:

minimal:

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var data = {};
data.interestListId = "c7a1b28c-e3f4-4259-b8e5-638b21bb69a7"; 
ebs.callActionByName("FTOS_BP_GetInterestDetail", data,
function(s){ if(s.UIResult){console.log(s.UIResult.Data);}});

maximal:

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var data = {
    "interestListId": "a8d82639-82e3-464f-aa40-e6592daf6bd1",
    "bankingProductId": "3438f5a5-fd00-4745-bb77-820baeffe3f6",
    "formulaInputId": "2872f33f-b757-48b2-a1d1-203bef75813d",
    "interestInput": {
        "Amount": 6000.00
    }
};
ebs.callActionByName("FTOS_BP_GetInterestDetail", data,
function(s){ if(s.UIResult){console.log(s.UIResult.Data);}});

FTOS_BP_GetCommisionDetail

Returns details from the commission.

Input:

commissionListId - from FTOS_BP_CommissionList (attribute: FTOS_BP_CommissionListid);
commissionId - from FTOS_BP_Commission (attribute: FTOS_BP_Commissionid);
bankingProductId - from FTOS_BP_BankingProduct (attribute: FTOS_BP_BankingProductid); optional/ provided for formula association;
formulaInputId - id of any entity used as master entity in data mapping input/ output at the formula setup; optional;
commissionInput - json for formula input if necessary when no mapping was done for formula. The form of this json should look like the one in test formula.

The scope of the endpoint can be a commissionListId returning all interests in that list, or a commissionId returning all the details for a specific commission.

Output:

object with details about all the commissions in the commission list from FTOS_BP_Commission and FTOS_BP_CommissionValue. If use Banking Formula is selected, then commission value or commission percent is equal to the formula result.

Call example:

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var data = {
    "commissionListId": "86309408-6bf6-4550-9bb8-6d49919175bd",
    "bankingProductId": "25b9efdf-6ca5-48c5-8507-5543a22377b2",
    "commissionInput": {
        "Amount": 6000.00
    }
};
ebs.callActionByName("FTOS_BP_GetCommissionDetail", data,
function(s){ if(s.UIResult){console.log(s.UIResult.Data.commissionList);}});

/*
[
    {
        "id": "01c0ad2e-21bd-4290-aba5-5230a6c184e8",
        "name": "TC1",
        "commissionTypeId": "6e2653aa-73ee-452a-b6d6-8c0a8cdb89cb",
        "periodicityTypeId": "1cc04a28-88e0-46df-a089-31d04bbde6df",
        "currencyId": "fc9c53a8-31c6-41ff-a979-9c7788d32fb0",
        "entityStatusId": "faccc388-151a-4c83-8953-cbac7d6c442a",
        "isForUnusage": false,
        "valueIsPercent": false,
        "includedInRepaymentSchedule": true,
        "percentAppliedTo": "f87376c8-15fc-45cc-b8c2-7786b03593aa",
        "automaticLoadOnContract": false,
        "mandatoryForApplicant": true,
        "useFormula": true,
        "formulaTypeId": "a0dd56a6-a0b9-446b-8e1d-b2c052cafe0b",
        "commissionValue": 5.3,
        "commissionPercent": null,
        "rateValidFrom": null,
        "rateValidTo": null
    }
]
*/


var data = {
    "commissionId": "01c0ad2e-21bd-4290-aba5-5230a6c184e8",
    "bankingProductId": "25b9efdf-6ca5-48c5-8507-5543a22377b2",
    "commissionInput": {
        "Amount": 15000.00
    }
};
ebs.callActionByName("FTOS_BP_GetCommissionDetail", data,
function(s){ if(s.UIResult){console.log(s.UIResult.Data.commissionList);}});

/*
[
    {
        "id": "01c0ad2e-21bd-4290-aba5-5230a6c184e8",
        "name": "TC1",
        "commissionTypeId": "6e2653aa-73ee-452a-b6d6-8c0a8cdb89cb",
        "periodicityTypeId": "1cc04a28-88e0-46df-a089-31d04bbde6df",
        "currencyId": "fc9c53a8-31c6-41ff-a979-9c7788d32fb0",
        "entityStatusId": "faccc388-151a-4c83-8953-cbac7d6c442a",
        "isForUnusage": false,
        "valueIsPercent": false,
        "includedInRepaymentSchedule": true,
        "percentAppliedTo": "f87376c8-15fc-45cc-b8c2-7786b03593aa",
        "automaticLoadOnContract": false,
        "mandatoryForApplicant": true,
        "useFormula": true,
        "formulaTypeId": "a0dd56a6-a0b9-446b-8e1d-b2c052cafe0b",
        "commissionValue": 5.1,
        "commissionPercent": null,
        "rateValidFrom": null,
        "rateValidTo": null
    }
]
*/

FTOS_BP_CallFormula

Call a formula from banking product.

Input:

formulaType - from FTOS_BP_Formula ( attribute: formulaTypeId );
bankingProductId - from FTOS_BP_BankingProduct (attribute: FTOS_BP_BankingProductid);
id - input ID.

Call example:

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ebs.callActionByNameAsync("FTOS_BP_CallFormula",
{
    "formulaType": FORMULA_TYPE_ID,
    "bankingProductId": BANKING_PRODUCT_ID,
    "id": RECORD_ID
})
.then(function (result) { console.log(JSON.stringify(result))})

FTOS_BP_Simulate

Get a simulation from PaymentSchedule with different parameters.

Input:

Mandatory inputs:

Amount
LoanPeriod
BankingProductId
ScheduleType.

Optional inputs:

InterestType - Fixed, Variable, Collection, BankingFormula
Optional - list of selected optional product discounts (ex:[{"Name":"Insurance","ProductDiscountId":"35b36b84-24e0-409c-9799-7426d4273c9e"}] )
InterestCommission - list of filtered interest list and commission list (ex: [{"interestListId":"0e096545-f9f2-4a24-8cf9-12b39e8af039","interestListName":"ListaPL2","commissionListId":"a2e435ed-4998-4750-ab0d-e89cb81d2ecb","commissionListName":"AdminFee"}] )
Insurance - list of the selected or filtered insurances: (ex: [{"insuranceListId":"dbfc46f3-9f5c-4f89-ba15-383210c4cd48"}] )
interestCommissionFilterList - interest/ commission filter list
insuranceFilterList - insurance filter list
discountFilterList - discount filter List
givenInterestRate - a given interest rate that overwrites Interest Rate from product for Fixed interest type
givenInterestMargin - a given interest margin that overwrites Interest Margin from product for interest type Variable
jsonMultipleInterestRates - the list of interests to use for repayment plan Calculation (ex: [{"InterestRate":8.000000, "FromInstNo":1, "ToInstNo":5},{"InterestRate":10.00000, "FromInstNo":6, "ToInstNo":300}])

"InterestRate": 8.000000 interest percent defined as interest type = Collection on the banking product/Dimensions/InterestList/Interes
from-to installment numbers defined as interest type = Collection on the banking product/Dimensions/InterestList/Interest

ProductField

used currently only for CreditCard product
you can use it as bellow, multiple numeric attributes defined at the banking product level
"FieldName": "CapitalPercent" - percentage field defined at the banking product level / Details section, representing a percentage to be applied as formula for the schedule detail principal column
"FieldValue": 6 - if provided, its value is considered for calculation. If not provided the value is read from the banking product configuration.

jsonInputFormula - it is usually provided when interest type is BankingFormula or Collection and represents the formula input json (just like test formula). It can contain inputs for interest/commission/insurance/discount

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"jsonInputFormula": {
        "interestInput":{
            "Amount": 6000.00
          }
    }

Call example:

The reduced version:

The full version:

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ebs.callActionByNameAsync("FTOS_BP_Simulate", {
  "bankingProductId": "3783c622-c15a-476a-8834-d0850d5e8ca2",
  "amount": 712000,
  "downPayment": 356000,
  "loanPeriod": 240,
  "interestType": "f37646db-739c-477c-91df-f294737b59bd",
  "recordId": "bcd1358c-aef7-4e13-bc91-c3f6e56885f3",
  "scheduleType": "Loan Equal Installments",
  "optional": [
    {
      "Name": "Income Receiving",
      "ProductDiscountId": "8c1cf49e-9aff-4353-8341-9daed8e9fa88"
    }
  ],
  "discount": [
    {
      "Name": "Interest Discount",
      "ProductDiscountId": "de770415-9bfe-4a7f-8425-02c0ebd1a5e7"
    }
  ],
  "jsonFilterCommission": [
    {
      "name": "FinancedAmount",
      "value": 356000
    }
  ],
  "jsonInsuranceFilter": [
    {
      "name": "FinancedAmount",
      "value": 356000
    }
  ],
  "jsonDiscountFilter": [
    {
      "name": "FinancedAmount",
      "value": 356000
    }
  ]
  })
  .then(function (result) {
    console.log(result.UIResult.Data.Records[0]);
  });

Another example for Interest Type = Banking Formula:

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ebs.callActionByNameAsync("FTOS_BP_Simulate", {
    "bankingProductId": "3783c622-c15a-476a-8834-d0850d5e8ca2",
    "amount": 712000,
    "downPayment": 356000,
    "loanPeriod": 240,
    "interestType":"f37646db-739c-477c-91df-f294737b59bd",
    "scheduleType": "Loan Equal Installments",
    "optional": [{
        "Name": "Income Receiving",
        "ProductDiscountId": "8c1cf49e-9aff-4353-8341-9daed8e9fa88",
    }],
    "jsonFilterCommission": [],
    "jsonInsuranceFilter": [],
    "jsonDiscountFilter": [],
    "jsonInputFormula": {
        "interestInput":{
            "Amount": 6000.00
          }
    }
})
  .then(function (result) {
    console.table(result.UIResult.Data.Records[0]);
  });

Another example for Interest Type = Collection and child interest as formula:

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ebs.callActionByNameAsync("FTOS_BP_Simulate", {
    "bankingProductId": "3783c622-c15a-476a-8834-d0850d5e8ca2",
    "amount": 700000.00,
    "downPayment": 350000,
    "loanPeriod": 240,
    "interestType": "f37646db-739c-477c-91df-f294737b59bd",
    "scheduleType": "Loan Equal Installments",
    "optional": [{
        "Name": "Income Receiving",
        "ProductDiscountId": "8c1cf49e-9aff-4353-8341-9daed8e9fa880",
    }],
    "jsonFilterCommission": [],
    "jsonInsuranceFilter": [],
    "jsonDiscountFilter": [],
    "jsonInputFormula": {
        "interestInput":{
            "Amount": 700000.00
          }
    }
})
  .then(function (result) {
    console.table(result.UIResult.Data.Records[0]);
  });

FTOS_BP_GetInsuranceDetail

Returns details from an insurance.

Input:

insuranceListId - from FTOS_BP_InsuranceList (attribute: FTOS_BP_InsuranceListid);
insuranceId - from FTOS_BP_Insurance (attribute: FTOS_BP_Insuranceid);
bankingProductId - from FTOS_BP_BankingProduct (attribute: FTOS_BP_BankingProductid) - optional/ provided for formula association;
formulaInputId - id of any entity used as master entity in data mapping input/ output at the formula setup; optional;
insuranceInput - json for formula input if necessary when no mapping was done for formula. The form of this json should look like the one in test formula.

The scope of the endpoint can be an interestListId returning all interests in that list or an interestId returning all the details for a specific interest.

Output:

Object with details about all the insurances in the insurance list from FTOS_BP_Insurance and FTOS_BP_InsuranceValue. If use Banking Formula is selected, then insurance value or insurance percent is equal to the formula result.

Call example:

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var data = {
    "insuranceListId": "bf2c45ba-3ea4-4447-9c96-45a708fc94c8",
    "bankingProductId": "25b9efdf-6ca5-48c5-8507-5543a22377b2",
    "insuranceInput": {
        "Amount": 6000.00
    }
};
ebs.callActionByName("FTOS_BP_GetInsuranceDetail", data,
function(s){ if(s.UIResult){console.log(s.UIResult.Data.insuranceList);}});

/*
[
    {
        "id": "f93416a9-c3f9-4824-9d72-05160c3666bc",
        "name": "Test Insurance Formula1",
        "code": "testI_F1",
        "description": null,
        "insurer": "ASIROM",
        "isMandatoryForApplicant": true,
        "isMandatoryForDebtor": false,
        "valueIsPercent": false,
        "periodicityTypeId": "1cc04a28-88e0-46df-a089-31d04bbde6df",
        "currencyId": "fc9c53a8-31c6-41ff-a979-9c7788d32fb0",
        "useOnPaymentSchedule": true,
        "scheduleElementClassId": "d74c21fe-bb12-413f-83d7-26ab40f34226",
        "operationItemId": null,
        "useFormula": true,
        "formulaTypeId": "a0dd56a6-a0b9-446b-8e1d-b2c052cafe0b",
        "insuranceValue": 5.3,
        "insurancePercent": null,
        "interestDiscount": null,
        "rateValidFrom": null,
        "rateValidTo": null
    },
    {
        "id": "24284701-7d60-4a80-8589-5ab867f9db81",
        "name": "TestInsurance_Values2_Percentage",
        "code": "testI_V2P",
        "description": null,
        "insurer": "Generali",
        "isMandatoryForApplicant": true,
        "isMandatoryForDebtor": false,
        "valueIsPercent": false,
        "periodicityTypeId": "1cc04a28-88e0-46df-a089-31d04bbde6df",
        "currencyId": "fc9c53a8-31c6-41ff-a979-9c7788d32fb0",
        "useOnPaymentSchedule": true,
        "scheduleElementClassId": "d74c21fe-bb12-413f-83d7-26ab40f34226",
        "operationItemId": null,
        "useFormula": false,
        "formulaTypeId": null,
        "insuranceValue": 146,
        "insurancePercent": null,
        "interestDiscount": null,
        "rateValidFrom": "2021-03-07T22:00:00Z",
        "rateValidTo": "2021-12-30T22:00:00Z"
    }
]
*/

var data = {
    "insuranceId": "f93416a9-c3f9-4824-9d72-05160c3666bc",
    "bankingProductId": "25b9efdf-6ca5-48c5-8507-5543a22377b2",
    "insuranceInput": {
        "Amount": 6000.00
    }
};
ebs.callActionByName("FTOS_BP_GetInsuranceDetail", data,
function(s){ if(s.UIResult){console.log(s.UIResult.Data.insuranceList);}});

/*
[
    {
        "id": "f93416a9-c3f9-4824-9d72-05160c3666bc",
        "name": "Test Insurance Formula1",
        "code": "testI_F1",
        "description": null,
        "insurer": "ASIROM",
        "isMandatoryForApplicant": true,
        "isMandatoryForDebtor": false,
        "valueIsPercent": false,
        "periodicityTypeId": "1cc04a28-88e0-46df-a089-31d04bbde6df",
        "currencyId": "fc9c53a8-31c6-41ff-a979-9c7788d32fb0",
        "useOnPaymentSchedule": true,
        "scheduleElementClassId": "d74c21fe-bb12-413f-83d7-26ab40f34226",
        "operationItemId": null,
        "useFormula": true,
        "formulaTypeId": "a0dd56a6-a0b9-446b-8e1d-b2c052cafe0b",
        "insuranceValue": 5.3,
        "insurancePercent": null,
        "interestDiscount": null,
        "rateValidFrom": null,
        "rateValidTo": null
    }
]
*/

FTOS_BP_CalculatePMT

Returns the value for the calculated PMT, or payment terms for a loan or investment.

Input:

Mandatory input parameters:

InstallmentsNo - The number of installments
PeriodicityType - The type of periodicity for PMT calculation. The possible values are the names of the records from the FTOS_CB_PeriodicityType entity.
InterestCalculationMethod - The method to be used for interest calculation. The possible values are the names of the records from the FTOS_BP_InterestCalculationType option set.

Optional input parameters:

FinancedAmount - The loan's financed amount
InterestPercent - The annual interest percentage
GracePeriodPrincipal - If the value is 1, then the installment is skipped at the beginning. If the parameter is not present, its value is considered 0.
FutureValue - The balloon value. If the parameter is not present, its value is considered 0.
InterestType - The type of calculation for the interest, with 0 for InArrears and 1 for InAdvance.

Output:

PMTValue - the calculated value of the PMT
PrincipalValue - the principal value.

Call example:

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ebs.callActionByNameAsync('FTOS_BP_CalculatePMT', {
    "jsonParam": {
        "FinancedAmount": 10000,
        "InterestPercent": 5,
        "InstallmentsNo": 12,
        "GracePeriodPrincipal": 1,
        "PeriodicityType": "Monthly",
        "FutureValue": 1000,
        "InterestCalculationMethod": "30/360",
        "InterestType":0
         }
}).then(function (o) {
    console.table(o.UIResult.Data)
});

FTOS_BP_CalculateRepaymentSchedule

Returns an array of json records representing the installments of a repayment schedule, that must be stored and presented as in the picture bellow, customized for every project:

Input:

Mandatory input parameters:

ScheduleType - the name of the Payment Schedule found in the FTOS_BP_PaymentScheduleType entity
InterestPercent - the interest rate for the calculation, defined at the banking product level. The interest rate must be annual, so if you are using a monthly interest rate, you must transform it into an annual rate, multiplying it with 12.
Amount - the financed amount, usually also containing the residual value if present, but not the advance value
InstallmentsNo - the number of installments
PeriodicityType - the periodicity of the schedule. The possible values are the names of the records from the FTOS_CB_PeriodicityType entity.
InstallmentDay - the day of month for each installment

Optional input parameters:

AdvanceAmount - the advance value, where AdvanceAmount + Amount = CreditValue
GracePeriodInterest - the number of installments having grace period applied on the Interest column
GracePeriodPrincipal - the number of installments having grace period applied on the Principal column
LastDueDate - the date of the last installment unmodified for recalculation
BlockInstallmentNo - the installment number that is blocked for recalculation
BlockAmount - the value of the capital that is blocked for recalculation
ActivationDate - the activation date of the contract. This is considered at the adjustment of the first installment for the columns that have Effective Rate as calculation method.
FirstDueDate - the due date of the first installment
BlockInterestAmount - the value of the interest for the grace period if recalculation includes the grace period
HolidayShift - the system takes into account not working days/ national holidays, according to the sent value. If true and Sunday or Saturday are defined as nonworking days, then the DueDate excepts these dates.
CalculateDAE - specifies whether to show the effective annual interest rate: for 0 or null, the DAE is not displayed; for 1, only the DAE percent is displayed, and for 2, the original schedule containing a column wiht DAE percent is displayed.
installmentValue - if there is a locked value for installments, this value should be provided here (equal installments)
principalValue - if there is a locked value for principal, this value should be provided here (equal principal)
InstallmentMethod - the method for calculating the installment (Actual Month or Next Month)
MaturityDate - the date for the end of the contract
InterestCapitalization - specifies if the interest is capitalized for deposit calculation
UpFrontValue - the amount for upfront commissions, taxes, insurances payed once at the beginning of the contract
ResidualValue - the residual value amount for insurance business
ResidualInInstallment - the method of display for the residual value: for 0, it is displayed in a new schedule line, for 1, it is displayed in the last schedule line
Commission - an array [] of commissions with periodicity different than Once.

[

SourceValue - the value of the commission when the commission is a defined as value. Mandatory if the line is present.
SourcePercent - the percent of the commission when the commission is defined as a percentage. Mandatory if the line is present.
FeePeriodicityType - the periodicity of the commission. Mandatory if the line is present.
GracePeriodFee - it can have its own grace period for a number of installments
BlockFeeAmount - the blocked amount is case of recalculation
FeeDate - the date of the fee being applied to the contract. Mandatory if the line is present.
FeeId - the fee from the FTOS_BP_Commission entity selected from the banking product level. Mandatory if the line is present.
IsUpfront - for commissions that are included into the payment schedule and the first commission value is paid at the activation date. Possible values: 0,1. The parameter is optional and if it is not included into the JSON request, the value comes from payment schedule detail column setting.

]

Insurance - an array [] of insurances with periodicity different than Once.

[

SourceValue - the value of the insurance when the insurance is defined as value. Mandatory if the line is present, and mutually exclusive if the SourcePercent is present.
SourcePercent - the percent of the insurance when the insurance is defined as a percentage. Mandatory if the line is present, and mutually exclusive if the SourceValue is present.
InsurancePeriodicityType - the periodicity of the insurance. Mandatory if the line is present.
GracePeriodInsurance - it can have its own grace period for a number of installments
BlockInsuranceAmount - the blocked amount is case of recalculation
InsuranceDate - the date of the insurance applied to the contract. Mandatory if the line is present.
InsuranceId - the insurance from the FTOS_BP_Insurance entity selected from the banking product. Optional if InsuranceClassId is present.
InsuranceClassId - the insurance class from the FTOS_BP_ScheduleElementClass entity selected on the FTOS_BP_Insurance entity when defining the insurance. Optional if InsuranceId is present.
IsUpfront - for insurances that are included into the payment schedule and the first commission value is paid at the activation date. Possible values: 0,1. The parameter is optional and if it is not included into the JSON request, the value comes from payment schedule detail column setting.

]

MultipleInterestRates - an array [] of interest rates

[

InterestRate - the interest percent defined as interest type = Collection on the banking product Dimensions > Interest List > Interest level
FromInstNo - the From installment number defined as interest type = Collection on the banking product Dimensions > Interest List > Interest level
ToInstNo - the To installment number defined as interest type = Collection on the banking product Dimensions > Interest List > Interest level

]

CapitalPercent - the percentage field defined at the banking product level (Credit Card) in the Details tab, representing a percentage to be applied as a formula to the schedule detail principal column.

Input variables example:

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{
    "ScheduleType": "Loan Equal Principal Actual with ResidualValue", 
    "InterestPercent": 6, 
    "Amount": 10000, 
    "InstallmentsNo": 13, 
    "AdvanceAmount": 400, 
    "GracePeriodInterest": null, 
    "GracePeriodPrincipal": 0, 
    "PeriodicityType": "Monthly", 
    "LastDueDate": "2020-8-12", 
    "BlockInstallmentNo": 0, 
    "BlockAmount": 0, 
    "ActivationDate": "2020-8-12", 
    "FirstDueDate": "2020-8-12", 
    "BlockInterestAmount": 0, 
    "HolidayShift": true, 
    "HolidayCountry": "Country:Thailand", 
    "CalculateDAE": 2,  
    "installmentValue": 796.42, 
    "principalValue": null, 
    "InstallmentDay": 15, 
    "InstallmentMethod": "ActualMonth", 
    "MaturityDate": "2021-8-12", 
    "InterestCapitalization": 0, 
    "UpFrontValue": 400.00, 
    "ResidualValue": 200, 
    "ResidualInInstallment": 0, 
    "Commission": [ 
        {
            "SourceValue": 1,  
            "SourcePercent": 0.01, 
            "FeePeriodicityType": "Trimestrial", 
            "GracePeriodFee": 0, 
            "BlockFeeAmount": 0, 
            "FeeDate": "2020-8-12", 
            "FeeId": "c86d68e5-2b48-439f-9bc6-38df317bff2a", 
            "IsUpfront": 0 
         }
    ],
    "Insurance": [ 
        {
            "SourceValue": 10, 
            "SourcePercent": null,
            "InsurancePeriodicityType": "Trimestrial",
            "GracePeriodInsurance": 0, 
            "BlockInsuranceAmount": 0, 
            "InsuranceDate": "2020-8-12", 
            "InsuranceId": "66128D6D-C2AA-4B5C-932B-7502C2E18288", 
            "InsuranceClassId": "61D36493-3DF9-44F0-B372-BAC569346E80", 
            "IsUpfront": 0 

        }
    ],
    "MultipleInterestRates":[{
        "InterestRate": 8.000000, 
        "FromInstNo":1, 
        "ToInstNo":3
    }],
    "CapitalPercent":6  
}

Output:

An array of json records representing the installments of a repayment schedule.

Case Studies

Loan Equal Installment - Minimal Call

Call example:

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var jp = {
    "ScheduleType": "Loan Equal Installments", 
    "InterestPercent": 6,
    "Amount": 10000,
    "InstallmentsNo": 13,
    "PeriodicityType": "Monthly",
    "ActivationDate": "2020-8-12",
    "InstallmentDay": 15
}; 
ebs.callActionByName("FTOS_BP_CalculateRepaymentSchedule", {jsonParam:jp},
function(s){ if(s.UIResult){console.log(s.UIResult.Data);}});

Returned data:

Loan Equal Principal Actual with Fees and Insurances

The actual Annual Admin Fee must be defined within the FTOS_BP_Commission entity, and also the Insurances within the FTOS_BP_Insurance entity, Make sure you have at least one insurance with class Life Insurance, Monthly, defined as percentage, and one with class HomeInsurance, Monthly, defined as value. These Commissions and Insurances are called by Id within the request of the FTOS_BP_CalculateRepaymentSchedule endpoint.

Call example:

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var jp = {
    "ScheduleType": "Loan Equal Principal Actual", 
    "InterestPercent": 6,
    "Amount": 10000,
    "InstallmentsNo": 13,
    "PeriodicityType": "Monthly",
    "ActivationDate": "2020-8-12",
    "InstallmentDay": 15,
    "InstallmentMethod": "ActualMonth",
    "Commission": [ 
        {
            "SourceValue": null,
            "SourcePercent": 2,
            "FeePeriodicityType": "Monthly", 
            "GracePeriodFee": 0, 
            "BlockFeeAmount": 0, 
            "FeeDate": "2020-8-12", 
            "FeeId": "6ab39765-f535-4560-be0b-24c92755946c" 
        }
    ],
    "Insurance": [ 
        {
            "SourceValue": 5, 
            "SourcePercent": null, 
            "InsurancePeriodicityType": "Monthly",
            "GracePeriodInsurance": 0,  
            "BlockInsuranceAmount": 0,  
            "InsuranceDate": "2020-8-12",   
            "InsuranceId": "a2f2230e-ec59-44ad-bf73-39556b2ed15d" ,
            "InsuranceClassId": null  
        },
        {
            "SourceValue": null, 
            "SourcePercent": 1.5, 
            "InsurancePeriodicityType": "Monthly",
            "GracePeriodInsurance": 0,  
            "BlockInsuranceAmount": 0,  
            "InsuranceDate": "2020-8-12",   
            "InsuranceId": "1c67cf62-032d-49d1-bfa1-e36299ace050" ,
            "InsuranceClassId": null  
        }
    ]
}; 
ebs.callActionByName("FTOS_BP_CalculateRepaymentSchedule", {jsonParam:jp},
function(s){ if(s.UIResult){console.log(s.UIResult.Data);}});

Part of the returned data:

Loan Equal Installments with Residual Value

Call example:

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var jp = {
    "ScheduleType": "Loan Equal Installments with ResidualValue", 
    "InterestPercent": 6,
    "Amount": 10000,
    "InstallmentsNo": 13,
    "AdvanceAmount": 400,
    "GracePeriodInterest": null,
    "GracePeriodPrincipal": 0,
    "PeriodicityType": "Monthly",
    "LastDueDate": "2020-8-12",
    "BlockInstallmentNo": 0,
    "BlockAmount": 0,
    "ActivationDate": "2020-8-12",
    "FirstDueDate": "2020-8-12",
    "BlockInterestAmount": 0,
    "HolidayShift": true,
    "HolidayCountry": "Country:Thailand",
    "CalculateDAE": 2,
    "installmentValue": 796.42,
    "principalValue": null,
    "InstallmentDay": 15,
    "InstallmentMethod": "ActualMonth",
    "MaturityDate": "2021-8-12",
    "InterestCapitalization": 0,
    "UpFrontValue": 0.00,
    "ResidualValue": 200,
    "ResidualInInstallment": 0,
    "Commission": [],
    "Insurance": []
}; 
ebs.callActionByName("FTOS_BP_CalculateRepaymentSchedule", {jsonParam:jp},
function(s){ if(s.UIResult){console.log(s.UIResult.Data);}});

Part of the returned data:

Data Visualization Example

Code:

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<div class="row" data-template-id="row_11">
  <div class="col-xs-12">
    <div id="payment-details">&nbsp;</div>
  </div>
</div>

Call example:

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var stId = ebs.getCurrentEntityData().scheduleTypeId;  // stId = Schedule Type Id
function unCapitalize(string) {
    return string[0].toLowerCase() + string.slice(1);
}
var status = '';
function compareValues(key, order = 'asc') {
    return function innerSort(a, b) {
        if (!a.hasOwnProperty(key) || !b.hasOwnProperty(key)) {
            return 0;
        }

        const varA = (typeof a[key] === 'string')
            ? a[key].toUpperCase() : a[key];
        const varB = (typeof b[key] === 'string')
            ? b[key].toUpperCase() : b[key];

        let comparison = 0;
        if (varA > varB) {
            comparison = 1;
        } else if (varA < varB) {
            comparison = -1;
        }
        return (
            (order === 'desc') ? (comparison * -1) : comparison
        );
    };
}
showRepaymentSchedule ();
function showRepaymentSchedule () {
    //here we have used other entities contract, ContractRepaymentSchedule, ContractRepaymentScheduleDetai (basically this last entity contain the schedule details)
    //so this endpoint bellow is arbitrary and usualy get replaced by something else
    ebs.callActionByName('FTOS_CB_PaymentScheduleFields', { scheduleId: ebs.getCurrentEntityId(), scheduleTypeId: stId }, function (rsp) {
        var columnsFields = [];
        rsp.UIResult.Data.fields.map(function (o) {
            columnsFields.push(o);
        });
        columnsFields.sort(compareValues('order'));
        var values = rsp.UIResult.Data.values;

        columnsFields.unshift({ name: 'DueDate', display: 'Due Date', cap: false });
        columnsFields.unshift({ name: 'InstallmentNo', display: 'No.', cap: false, decimal: false });

        paymentDetail(columnsFields, values, hasButton);       
}
function paymentDetail(fields, values, hasButton) {
    var dataSource = [];

    values.forEach(function (v) {
        var obj = JSON.parse(v.json);
        var dateToFormat = new Date(obj.DueDate.invariantDate);
        obj.DueDate = (dateToFormat.getDate() < 10 ? '0' + dateToFormat.getDate() : dateToFormat.getDate()) + '-' + ((dateToFormat.getMonth() + 1) < 10 ? '0' + (dateToFormat.getMonth() + 1) : (dateToFormat.getMonth() + 1)) + '-' + dateToFormat.getFullYear()
        obj.InstallmentTypeId = v.sd_installmentTypeId_displayname;
        obj.id = v.id;
        obj.payed = v.payed;
        obj.notification = v.notificationId;
        dataSource.push(obj);
    });

    var columns = [];

    fields.forEach(function (o) {
        var object = {
            dataField: typeof o.cap === 'undefined' ? unCapitalize(o.name) : o.name,
            caption: o.display,
            format: typeof o.decimal !== 'undefined' ? {} : { type: "fixedPoint", precision: 2 }
        };
        columns.push(object);
    });

    if (hasButton) {
        columns.push({
            type: "buttons",
            width: 110,
            buttons: [{
                hint: "Pay Installsssment",
                icon: "money",
                visible: function (e) {
                    return e.row.data.notification === null;
                },
                onClick: function (e) {
                  //custom code on pay installment
                    });
                }
            }]
        });
    }
    $("#payment-details").dxDataGrid({
        rowAlternationEnabled: true,
        showColumnHeaders: true,
        alignment: "left",
        repaintChangesOnly: true,
        paging: {
            pageSize: 10000
        },
        onCellPrepared: function (e) {
            //console.log(e)
            if (e.rowType === 'data' && e.row.data.payed === true) {
                //console.log(e.row.data.payed)
                e.cellElement[0].className += " payed";
            }
        },
        columnAutoWidth: false,
        columns: columns,
        dataSource: {
            store: dataSource,
            reshapeOnPush: true
        }
    });
}

Credit Card Schedule

Call example:

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var jp = {
"ScheduleType":"Credit Card Installments",
"InterestPercent":32.000000,
"Amount":3770.00,
"HolidayShift":true,
"InstallmentsNo":60,
"PeriodicityType":"Monthly",
"LastDueDate":"2021-02-01",
"ActivationDate":"2021-02-01",
"InstallmentDay":1,
"InstallmentMethod":"ActualMonth",
"MaturityDate":"2026-02-01",
"Commission":[
    {   "SourceValue":5.00, 
        "SourcePercent":null, 
        "FeePeriodicityType":"Monthly", 
        "FeeDate":"2021-02-01", 
        "FeeId":"365221CE-9F6D-4B4C-A8CE-2A2D62A38353", 
        "IsUpfront":null}
    ],
    "CalculateDAE":2,
    "CapitalPercent":5.000000
}; 
ebs.callActionByName("FTOS_BP_CalculateRepaymentSchedule", {jsonParam:jp},
function(s){ if(s.UIResult){console.log(s.UIResult.Data);}});

Part of the returned data:

FTOS_BP_GetBankingProductByCode

Returns the banking product information based on its product code. If more versions are available, only the approved one is taken into consideration.

Input:

Mandatory input parameters:

BankingProductCode - string, from FTOS_BP_BankingProduct (attribute: BankingProductCode).

Optional input parameters:

displayBPDetails - boolean, specifies whether to show the details of the banking product, such as general data, calendars, associated products or payment schedule types, product guarantees or destination types. Possible values: true, false. The Details section of the output is only displayed for true value.
displayBPAvailability - boolean, specifies whether to show the availability information of the banking product, such as currency, period, minimum and maximum amounts and advances, or covenants. Possible values: true, false. The Availability section of the output is only displayed for true value.
displayBPDimensions - boolean, specifies whether to show the dimensions information of the banking product, such as interests and commissions, insurances, discounts or questions. Possible values: true, false. The Dimensions section of the output is only displayed for true value.

Output:

Object with details about a specific banking product from the FTOS_BP_BankingProduct entity. The data enclosed in Banking Product is returned by default. Data within Details, Availability and Dimensions is returned only if their corresponding flags are set to true.

Call example:

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var data = {
    "BankingProductCode": "APICodeTst",
    "displayBPDetails": true,
    "displayBPAvailability": true,
    "displayBPDimensions": true 
};

ebs.callActionByName("FTOS_BP_GetBankingProductByCode", data, function(response) {
    if (response.UIResult) {
        console.log(response.UIResult.Data);
    }
});

Returned data:

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// API Response example below:
{
    "BankingProduct": {
        "BankingProductCode": "APICodeTst",
        "Name": "APIName",
        "StartDate": "2021-10-07T21:00:00Z",
        "EndDate": "2022-03-30T21:00:00Z"
    },
    "Details": {
        "GeneralData": {
            "BankAccountType": "LoanTermAccount",
            "IsRevolving": true,
            "AutoDisbursement": false,
            "MaxNoDisbursements": 12,
            "ActivationTranchesOnDocumentSubmission": false,
            "IsGuaranteed": true,
            "AllowCollateralPartialRelease": true,
            "AllowCoDebtor": false,
            "AllowRefinancing": true,
            "MaxNoOfCodebtors": 5,
            "PeriodicityType": "Monthly",
            "RepaymentAllocationMethod": "CostOrder",
            "HolidayShiftForRepaymentInstallments": true,
            "HolidayShiftMethod": "Forward",
            "DeferDueDate": true,
            "GraceType": "Interest",
            "ProductGrace": "FiveDaysGrace",
            "GraceDaysForRepayment": 123,
            "PenaltyForGracePeriod": false
        },
        "CountryCalendars": [
            {
                "CountryName": "Belgium"
            },
            {
                "CountryName": "Thailand"
            }
        ],
        "AssociatedPaymentScheduleTypes": [
            {
                "PaymentScheduleTypeName": "Credit Card Installments"
            }
        ],
        "ProductGuarantees": [
            {
                "ProductGuaranteeName": "APITestProductGuarantee"
            }
        ],
        "ProductDestinationTypes": [],
        "DisbursementMatrix": [
            {
                "Name": "DisbMatrixAPITest"
            }
        ],
        "AssociatedProducts": [
            {
                "AssociatedProductName": "TLVlad"
            },
            {
                "AssociatedProductName": "TLVladAutoCommLoad"
            }
        ]
    },
    "Availability": {
        "Currency": "RON",
        "PeriodType": "Months",
        "MaxPeriodForDisbursement": 1,
        "MinimumPeriod": 2,
        "MaximumPeriod": 3,
        "MinimumEarlyRepaymentValue": 4,
        "MinimumAmount": 500,
        "MaximumAmount": 50000,
        "UnusageStartPeriod": 5,
        "MinimumAdvance": 10,
        "MaximumAdvance": 90,
        "AvailabilityItemFilters": [
            {
                "Description": "Account Filter API TEST"
            }
        ],
        "ProductCovenants": [
            {
                "Name": "Lender can monitor borrower's current ratio"
            }
        ]
    },
    "Dimensions": {
        "InterestsAndCommissions": [
            {
                "InterestCommissionItemName": "InterestCommAPITest",
                "CommissionListName": "Current Account RON commission ",
                "InterestListName": "eMag CA Interest List",
                "Commissions": [
                    "CA Administration Fee",
                    "Administration Fee ODV MAGDA"
                ],
                "Interests": [
                    "Zero Interest Rate",
                    "Banded Test"
                ]
            }
        ],
        "Insurance": [
            {
                "Name": "InsuranceAPITEst"
            }
        ],
        "Discounts": [
            {
                "Name": "DiscountAPITest"
            }
        ],
        "Questions": [
            {
                "Name": "Question1"
            },
            {
                "Name": "Question2"
            }
        ]
    }
}