Account calculations; added Transaction Backdating option

Account Types now include options for handling Transaction backdating and recalculating interest. The "Backdating" option is found on the Interest page and the options are None (the default), Tracking and Reverse.

Transaction backdating means that when a Transaction (or other event) is dated prior to the last Interest charge, the Interest can be recharged to reflect the change.

Depending on the Account Type setting the following may (or may not) occur. Whenever a Transaction is created, reversed or adjusted or when the Default Interest Rate or Credit Limit changes the earliest date of change is recorded on the Account. If the date is earlier than an Interest charge then the interest charge is reversed and recharged to reflect the changes.

If the option is set to "None" then no tracking of backdated Transaction etc is undertaken. This is the most efficient setting as no extra processing is undertaken.

If the option is set to "Tracking" the earliest date of change is recorded on the Account. This can be found in the database and Business Layer on the finAccount object, dateBackdatedTo property. No actual adjustments are made by finPOWER Connect, but you might display additional information on the Account and potentially handle this via a manual process or automated scripting process.

If the option is set to "Reverse" the earliest date of change is recorded on the Account and Interest Transactions will be reversed and recharged as necessary to reflect changes. This applies when viewing financial Schedules as well as when transactions are posted via Account Processes.