IPAYJX.i

<?php

/* Plugin module for jXchange Bill Pay Services API.
 * NOTE: all "status" return elements need to be lower case.
 * NOTE: The case of the passed in elements need to match across plugins.
 * NOTE: The trusted detail values are read and passed in "as is" because the terminology is
 *        specific to the vendor.
 * NOTE: The values sent from the client app are in a "passwith" structure in $parms. Need to move
 *        the values to where the code expects it.
 * NOTE: Any data returned should be in a ["data"] structure. Not just raw data, either.
 *
 * For all plugin entry points the following parameters are expected:
 *   $parms['moc'] == 1     - if the test or "moc" values should be used
 * 
 * Note: To debug some functions you can write output to a file, such as like:
 *
 $fp = fopen( "/tmp/kimtest", "w+" );
 if ( $fp ) {
 fprintf( $fp, "get cached bpPmtStop \n" );
 fprintf( $fp, "\n" );
 print_r( $response, true )
 fprintf( $fp, $return['data']["StopResult"]);
 }  
 */
define( "MP_JX_ERROR_CODE", "5013" );
define( "MP_JX_AUTH_ERROR_CODE", "50131" );
define( "SERVICE_NAME", "IPAYJX" );      // name in Trusted Detail
// cache keys
define( "CACHE_KEY_HIST", "jxHistory" );
define( "CACHE_KEY_PMTS", "jxPending" );
define( "CACHE_KEY_SUBINQ", "jxSubInq" );
define( "CACHE_KEY_BILPAYCHANINQ", "jxBilPayChanInq" );
define( "CACHE_KEY_BILPAYPAYEESRCH", "jxBilPayPayeeSrch" );

function bpAuth( $parms) {
  try {
    if ($parms['moc'] == 1) {
      $parms['password'] = $parms['mocpass'];
      $parms['serviceurl'] = $parms['mocservice'];
    }
    

    
    $parms['Token'] = time();
    $reply =jxBilPayChanInq( $parms );
    if ( $reply["status"]["response"] == "false" ) {
      if ( empty($reply["status"]["message"]) ) {
        $reply["status"]["message"] = 'Institution Inquiry Failed';
      }
      throw new Exception($reply['status']['message'],MP_JX_AUTH_ERROR_CODE);
    }
    
    $response = jxBilPaySubInq( $parms );
      
    # normalize the name for scalability
    if ( $response["status"]["response"] == "false" ) {
      if ( empty($response["status"]["message"]) ) {
        $response["status"]["response"] = "false";
        $response["status"]["code"] = "999";
        //$response["status"]["message"] = "Subscriber Validation Failed. {$response['ipaydata'][0]['Response']}"; // . print_r( $response, true );
        $response["status"]["message"] = "Subscriber Validation Failed."; // . print_r( $response, true );
      }
      throw new Exception($response['status']['message'],'999');
    }
    
    // return good status
    $response["status"]["code"] = "000";
    $dateModelvalue =$reply[data][BilPayChanInfo][BilPayProdTypeInfoArray][BilPayProdTypeInfo][PmtDtModel];
    $dateModel = "payeeprocess";  // default is PROCESS
    if (strcmp($dateModelvalue, "ProcDtModel") == 0 ){
      $dateModel = "payeeprocess";
    }
    else {
      if (strcmp($dateModelvalue, "DueDtModel") == 0 ){
        $dateModel = "due";
      }
    }
    if (strcmp($dateModel,$parms["datemodel"]) != 0 ){
      $response["status"]["response"] = "false";
      throw new Exception("Invalid Date Model.", MP_JX_AUTH_ERROR_CODE);
    }
    $output["Token"] = $parms['Token'];
    $output["DateModel"] = $dateModel;
    //$output["BillpayId"] = $response[data][SubId];
    $output['MoblPayName']= (trim($parms['MoblPayName']) == '' ? htmlentities('Pay Bills') : htmlentities($parms['MoblPayName']));
    $output['Extras'] = htmlentities($parms['ExtraOptions']);
    $response['data']= $output;
      
    $return = $response;
  } catch (Exception $e) {
    //$return = array('status'=>array('response'=>'false','message'=>$e->getMessage(),'code'=>'999'),'data'=>array('Token'=>'0'));
    $return = array('status'=>array('response'=>'false','message'=>$e->getMessage(),'code'=>$e->getCode()),'data'=>array('Token'=>'0'));
  }
  
  return $return;
}

// Function to have the history sorted descending in time.
function bpHist( $parms ) {
  
  try {
    if ($parms['moc'] == 1) {
      $parms['serviceurl'] = $parms['mocservice'];
    }
    
    $parms['Token'] = $parms["passwith"]["Token"];
    $response = jxGetHistory( $parms );
    
    if ( $response["status"]["response"] == "false" ) {
      if ( empty($response["status"]["message"]) ){
        $response["status"]["message"] = 'Get History Failed';
      }
      throw new Exception($response['status']['message']);
    } else {
      if ( isset( $response[data] ) && count( $response[data] ) ) {
        if ( isset( $response["data"]["PayeeName"] ) ) {
          // only one rec
          $value = $response[data];
          $outputElem = array();
          $outputElem["TxnId"] = $value["PmtId"];
          if (strcmp($value["PmtIntentType"], "PayBill") == 0 ){
            $payTypeValue = "Payment";
          }
          else {
            $payTypeValue = "Transfer";
          }
          $outputElem["Type"] = $payTypeValue;
          $outputElem["ToId"] = $value["PayeeId"];
          $outputElem["ToName"] = $value["PayeeName"];
          $outputElem["FromId"] = $value["PayFromAcctInfo"]["PayFromId"];
          $outputElem["Amount"] = number_format( $value["PmtAmt"], 2 );
          $outputElem["Date"] = date( "m/d/Y", strtotime( $value["PmtProcDt"] ) );
          
          $pmtStatusValue = getJXPaymentStatus ($value["PmtStat"]);
          $pmtMthdValue = getJXPaymentMethod ($value["PmtMthd"]);
          $estimatedArrival = strtotime( $value["PmtEstArvDt"] );
          $Additional = array( "From" => $value["PayFromAcctInfo"]["PayFromAcctName"],
                              "Estimated_Arrival" => date( "m/d/Y", $estimatedArrival ),
                              "Status" => $pmtStatusValue,
                              "Method" => $pmtMthdValue );
          
          $outputElem["AdditionalInfo"] = $Additional;
          $output[] = $outputElem;
        } else {
          // put into a consistent structure
          $output = array();
          
          foreach( $response[data] as $key => $value ) {
            $outputElem = array();
            
            $outputElem["TxnId"] = $value["PmtId"];
            if (strcmp($value["PmtIntentType"], "PayBill") == 0 ){
              $payTypeValue = "Payment";
            }
            else {
              $payTypeValue = "Transfer";
            }
            $outputElem["Type"] = $payTypeValue;
            $outputElem["ToId"] = $value["PayeeId"];
            $outputElem["ToName"] = $value["PayeeName"];
            $outputElem["FromId"] = $value["PayFromAcctInfo"]["PayFromId"];
            $outputElem["Amount"] = number_format( $value["PmtAmt"], 2 );
            $outputElem["Date"] = date( "m/d/Y", strtotime( $value["PmtProcDt"] ) );
            
            $pmtStatusValue = getJXPaymentStatus ($value["PmtStat"]);
            $pmtMthdValue = getJXPaymentMethod ($value["PmtMthd"]);
            $estimatedArrival = strtotime( $value["PmtEstArvDt"] );
            $Additional = array( "From" => $value["PayFromAcctInfo"]["PayFromAcctName"],
                                "Estimated_Arrival" => date( "m/d/Y", $estimatedArrival ),
                                "Status" => $pmtStatusValue,
                                "Method" => $pmtMthdValue );
            //              "Dump" => print_r( $value, true ) );
            
            $outputElem["AdditionalInfo"] = $Additional;
            $output[] = $outputElem;
          }
          usort( $output, "histSort" );
        }
      }
      
      
      
      // return good status
      $return["status"]["code"] = "000";
# normalize the name for scalability
      $return['data'] = $output;
    }
  } catch (Exception $e) {
    $return = array('status'=>array('response'=>'false','message'=>$e->getMessage(),'code'=>MP_JX_ERROR_CODE),'data'=>array('Token'=>'0'));
  }
  return $return;
}

function bpSched( $parms ) {
  try {
    if ($parms['moc'] == 1) {
      $parms['serviceurl'] = $parms['mocservice'];
    }
    
    $parms['Token'] = $parms["passwith"]["Token"];
    $response = jxGetScheduled( $parms );
    
    if ( $response["status"]["response"] == "false" ) {
      if ( empty($response["status"]["message"]) ) {
        $response["status"]["message"] = 'Get Scheduled Failed';
      }
      throw new Exception($response['status']['message']);
    } else {
      // put into a consistent structure  //BilPaySchedPmtSrchArray/BilPaySchedPmtSrchInfo/PayeeName
      if ( isset( $response[data] ) && count( $response[data] ) ) {
        if ( isset( $response["data"]["PayeeName"] ) ) {
          // only one rec
          $value = $response[data];
          $outputElem = array();
          $outputElem["TxnId"] = $value["PmtId"];
          if (strcmp($value["PmtIntentType"], "PayBill") == 0 ){
            $payTypeValue = "Payment";
          }
          else {
            $payTypeValue = "Transfer";
          }
          $outputElem["Type"] = $payTypeValue;
          $outputElem["ToId"] = $value["PayeeId"];
          $outputElem["ToName"] = $value["PayeeName"];
          $outputElem["FromId"] = $value["PayFromAcctInfo"]["PayFromId"];
          $outputElem["Amount"] = number_format( $value["PmtAmt"], 2 );
          $outputElem["Date"] = date( "m/d/Y", strtotime( $value["PmtProcDt"] ) );
          
          $pmtMthdValue = getJXPaymentMethod ($value["PmtMthd"]);
          $estimatedArrival = strtotime( $value["PmtEstArvDt"] );
          $Additional = array( "From" => $value["PayFromAcctInfo"]["PayFromAcctName"],
                              "Estimated_Arrival" => date( "m/d/Y", $estimatedArrival ),
                              "Method" => $pmtMthdValue );
          //              "Dump" => print_r( $value, true ) );
          
          $outputElem["AdditionalInfo"] = $Additional;
          $output[] = $outputElem;
        }
        else {
          // more than one rec
          $output = array();
          foreach( $response[data] as $key => $value ) {
            $outputElem = array();
            
            $outputElem["TxnId"] = $value["PmtId"];
            if (strcmp($value["PmtIntentType"], "PayBill") == 0 ){
              $payTypeValue = "Payment";
            }
            else {
              $payTypeValue = "Transfer";
            }
            $outputElem["Type"] = $payTypeValue;
            $outputElem["ToId"] = $value["PayeeId"];
            $outputElem["ToName"] = $value["PayeeName"];
            $outputElem["FromId"] = $value["PayFromAcctInfo"]["PayFromId"];
            $outputElem["Amount"] = number_format( $value["PmtAmt"], 2 );
            $outputElem["Date"] = date( "m/d/Y", strtotime( $value["PmtProcDt"] ) );
            
            $estimatedArrival = strtotime( $value["PmtEstArvDt"] );
            $pmtMthdValue = getJXPaymentMethod ($value["PmtMthd"]);
//            $pmtMthdValue = "Standard";
//            switch ($value["PmtMthd"]) {
//              case "Chk":
//                $pmtMthdValue = "Check";
//                break;
//              case "Email":
//                $pmtMthdValue = "Email";
//                break;
//              case "Elec":
//                $pmtMthdValue = "Electronic";
//                break;
//              default:
//                $pmtMthdValue = "Standard";
//                break;
//            }
            $Additional = array( "From" => $value["PayFromAcctInfo"]["PayFromAcctName"],
                                "Estimated_Arrival" => date( "m/d/Y", $estimatedArrival ),
                                "Method" => $pmtMthdValue );
            //              "Dump" => print_r( $value, true ) );
            
            $outputElem["AdditionalInfo"] = $Additional;
            $output[] = $outputElem;
          }
          
          usort( $output, "schedSort" );
        }
        
        
      }
      // return good status
      $return["status"]["code"] = "000";
# normalize the name for scalability
      $return['data'] = $output;
    }
  }catch (Exception $e) {
    $return = array('status'=>array('response'=>'false','message'=>$e->getMessage(),'code'=>MP_JX_ERROR_CODE),'data'=>array('Token'=>'0'));
  }
  
  return $return;
}

function getJXPaymentStatus ( $pmtStatus ){
  
  $pmtStatValue = "";   // default
  switch ($pmtStatus) {
    case "Proc":
      $pmtStatValue = "Processed";
      break;
    case "Pd":
      $pmtStatValue = "Paid";
      break;
    case "Stop":
      $pmtStatValue = "Stopped";
      break;
    case "Canc":
      $pmtStatValue = "Canceled";
      break;
    case "Ret":
      $pmtStatValue = "Returned";
      break;
    case "Sttl":
      $pmtStatValue = "Settled";
      break;
    case "ReSbm":
      $pmtStatValue = "Resubmitted";
      break;
    case "Rfd":
      $pmtStatValue = "Refunded";
      break;
    case "Stop":
      $pmtStatValue = "Stopped";
      break;
    case "Skip":
      $pmtStatValue = "Skipped";
      break;
    case "Sched":
      $pmtStatValue = "Scheduled";
      break;
    case "Pend":
      $pmtStatValue = "Pending";
      break;
    default:
      $PmtApprv = "Payment Approved";
      break;
  }
  return $pmtStatValue;
}



function getJXPaymentMethod ( $pmtMethod ){
  
  $pmtMthdValue = "Standard";   // default
  switch ($pmtMethod) {
    case "Chk":
      $pmtMthdValue = "Check";
      break;
    case "Email":
      $pmtMthdValue = "Email";
      break;
    case "Elec":
      $pmtMthdValue = "Electronic";
      break;
    default:
      $pmtMthdValue = "Standard";
      break;
  }
  return $pmtMthdValue;
}



function bpSourceAccts( $parms ) {
  try {
    if ($parms['moc'] == 1) {
      $parms['serviceurl'] = $parms['mocservice'];
    }
    $parms['Account']['types'] = "PayFrom";
    $parms['Token'] = $parms["passwith"]["Token"];
    $response=jxBilPaySubInq( $parms );
    if ($response["status"]["response"]=='false'){
      if (empty($response["status"]["message"]))
        $response["status"]["message"]='Get Accounts Failed';
    } else {
      // put into a consistent structure
      $output = array();
      foreach( $response[data][BilPaySubInfo][PayFromAcctInfoArray] as $key => $value ) {
        $outputElem = array();
        $outputElem["Name"] = $value["PayFromAcctName"];
        $outputElem["FromId"] = $value["PayFromId"];
        // >=
        if (strcmp($value["CanRush"], "True") == 0 ){
          $outputElem["CanRush"] == "0";//1
        }
        else {
           $outputElem["CanRush"] == "0";
        }
        //= $value["CanRush"] == "true" ? "1" : "0";
        // make sure we have a name for the account
        if ( strlen( trim( $outputElem["Name"] ) ) == 0 ) {
          $outputElem["Name"] = $value["PayFromAcctId"];
        }
        
        $output[] = $outputElem;
      }

      if ( !count( $output ) ) {
        throw new Exception("No source accounts received from vendor.");
      }

      // return good status
      $response["status"]["code"] = "000";

      # normalize the name for scalability
      $response['data']= $output;
    }
  } catch (Exception $e) {
      $response["status"]["response"] = "false";
      $response["status"]["message"] = $e->getMessage();
      $response["code"] = MP_JX_ERROR_CODE;
      $response["data"] = array();
  }

  return $response;
}

/* The dest account can be a payee list for payments, or a list of accounts for transfers.
 *
 */

function bpDestAccts( $parms ) {
  try {
    if ($parms['moc'] == 1) {
      $parms['serviceurl'] = $parms['mocservice'];
    }
    $parms['Account']['types'] = "Outbound";
    $parms['Token'] = $parms["passwith"]["Token"];
    
    $response=jxGetPayeeList( $parms );
    
    if ($response["status"]["response"]=='false'){
      if (empty($response["status"]["message"]))
        $response["status"]["message"]='Get Payee List Failed';
    } else {
      // put into a consistent structure
      if ( isset( $response[data] ) && count( $response[data] ) ) {
        if ( isset( $response["data"]["PayeeName"] ) ) {
          $value = $response[data];
          $outputElem = array();
          $outputElem["Name"] = $value["PayeeName"];
          $payeeType = $value["PayeeClsf"];
          // >=
          if (strcmp($payeeType, "FinInst") == 0 ){
            $payeeType = "Transfer";
          }
          else {
            $payeeType = "Payment";
          }
          
          if (strcmp($payeeType, $parms["passwith"]["AcctType"]) == 0 ){
            $outputElem["Type"] = $payeeType;
            $outputElem["ToId"] = $value["PayeeId"];      // this is just for AccountList results
            if (strcmp($value["CanRush"], "True") == 0 ){
              $outputElem["CanRush"] = "0";  // should be 1
            }
            else {
              $outputElem["CanRush"] = "0";
            }
            $output[] = $outputElem;
          }
        }
        else {
          foreach( $response[data] as $key => $value ) {
            $outputElem = array();
            $outputElem["Name"] = $value["PayeeName"];
            $payeeType = $value["PayeeClsf"];
            if (strcmp($payeeType, "FinInst") == 0 ){
              $payeeType = "Transfer";
            }
            else {
              $payeeType = "Payment";
            }
            if (strcmp($payeeType, $parms["passwith"]["AcctType"]) == 0 ){
              $outputElem["Type"] = $payeeType;
              $outputElem["ToId"] = $value["PayeeId"];      // this is just for AccountList results
              //$outputElem["CanRush"] = $value["CanRush"] == "true" ? "1" : "0";      // this is just for AccountList results
              if (strcmp($value["CanRush"], "True") == 0 ){
                $outputElem["CanRush"] = "0";  //should be 1
              }
              else {
                $outputElem["CanRush"] = "0";
              }
              $output[] = $outputElem;
            }
          }
        }
      }
      
      
      if ( !count( $output ) ) {
        throw new Exception("No destination accounts received from vendor.");
      }
      
      // return good status
      $response["status"]["code"] = "000";
      
      # normalize the name for scalability
      $response[data]= $output;
      //    $response["data"]["mike"] = "Hello: " . print_r( $response, true ) . " Goodbye";
    }
  } catch (Exception $e) {
    $response["status"]["response"] = "false";
    $response["status"]["message"] = $e->getMessage();
    $response["code"] = MP_JX_ERROR_CODE;
    $response["data"] = array();
  }

  return $response;
}

function bpPmtAdd( $parms ) {

  try {
    
    if ($parms['moc'] == 1) {
      $parms['serviceurl'] = $parms['mocservice'];
    }
    
    
    $parms['Account']['types'] = "PayFrom";
    $parms['Token'] = $parms["passwith"]["Token"];
    
    $parms['Payment']['From'] = $parms["passwith"]["FromId"];//
    $parms['Payment']['To'] = $parms["passwith"]["ToId"];
    $parms['Payment']['Amount'] = $parms["passwith"]["Amount"];
    $parms['Payment']['Rush'] = $parms["passwith"]["Rush"];
    $parms['Payment']['Date'] = $parms["passwith"]["Date"];

    $response=jxAddPayment( $parms );
    
    if ($response["status"]["response"]=='false'){
      if (empty($response["status"]["message"])){
        $response["status"]["message"]='Submit Payment Failed';
      }
      throw new Exception($response['status']['message']);
    } else {
      // put into a consistent structure
      $outputElem = array();
      //$outputElem["Confirmation"] = $response["ipaydata"][0]["Confirmation"];
      //$outputElem["EstimatedArrival"] = $response[data]["EstimatedArrival"];
      
      // return good status
      $response["status"]["code"] = "000";
      
# normalize the name for scalability
      $response['data'] = $outputElem;
    }
    
  } catch (Exception $e) {
    $response["status"]["response"] = "false";
    $response["status"]["message"] = $e->getMessage();
    $response["code"] = MP_JX_ERROR_CODE;
    $response["data"] = array();
  }
    


  return $response;
}

function bpTrnAdd( $parms ) {

  try {
    if ($parms['moc'] == 1) {
      $parms['serviceurl'] = $parms['mocservice'];
    }
    
    $parms['Account']['types'] = "PayFrom";
    $parms['Token'] = $parms["passwith"]["Token"];
    
    $parms['Payment']['From'] = $parms["passwith"]["FromId"];
    $parms['Payment']['To'] = $parms["passwith"]["ToId"];
    $parms['Payment']['Amount'] = $parms["passwith"]["Amount"];
    $parms['Payment']['Date'] = $parms["passwith"]["Date"];
    
    $response= jxAddPayment( $parms );
    
    if ($response["status"]["response"]=='false'){
      if (empty($response["status"]["message"])){
        $response["status"]["message"]='Submit Transfer Failed';
      }
      throw new Exception($response['status']['message']);
    } else {
      // put into a consistent structure
      $outputElem = array();
      
      // return good status
      $response["status"]["code"] = "000";
      
# normalize the name for scalability
      $response['data']= $outputElem;
    }
  } catch (Exception $e) {
    $response["status"]["response"] = "false";
    $response["status"]["message"] = $e->getMessage();
    $response["code"] = MP_JX_ERROR_CODE;
    $response["data"] = array();
  }
  return $response;
}

function bpPmtEdit( $parms ) {
  
  try {
    
    if ($parms['moc'] == 1) {
      $parms['serviceurl'] = $parms['mocservice'];
    }
    
    $parms['Account']['types'] = "PayFrom";
    $parms['Token'] = $parms["passwith"]["Token"];
    
    $parms['Payment']['Id'] = $parms["passwith"]["TxnId"];
    $parms['Payment']['From'] = $parms["passwith"]["FromId"];
    $parms['Payment']['Amount'] = $parms["passwith"]["Amount"];
    $parms['Payment']['Rush'] = $parms["passwith"]["Rush"];
    $parms['Payment']['Date'] = $parms["passwith"]["Date"];
    
    $respPaySchedPmtInq = jxBilPaySchedPmtInq( $parms );
    
    if ($respPaySchedPmtInq["status"]["response"] == 'false') {
      if ( empty($respPaySchedPmtInq["status"]["message"]) ) {
        $respPaySchedPmtInq["status"]["message"] = 'Edit Payment (Payment Inquiry) Failed.';
      }
      throw new Exception($respPaySchedPmtInq['status']['message']);
    } else {
      // get key for payee
      $ActIntentKey = $respPaySchedPmtInq["data"]["ActIntentKey"];
    }
    
    
    $response = jxEditPayment( $parms , $ActIntentKey);
    
    if ($response["status"]["response"]=='false'){
      if (empty($response["status"]["message"]))
        $response["status"]["message"]='Edit Payment Failed';
        throw new Exception($response['status']['message']);
    } else {
      // put into a consistent structure
      $outputElem = array();
      $outputElem["Confirmation"] = $response["ipaydata"][0]["Confirmation"];
      $outputElem["EstimatedArrival"] = $response["ipaydata"][0]["EstimatedArrival"];
      
      // return good status
      $response["status"]["code"] = "000";
      
# normalize the name for scalability
      $response['data']= $outputElem;
      $return = $response;
    }
  } catch (Exception $e) {
    $return = array('status'=>array('response'=>'false','message'=>$e->getMessage(),'code'=>MP_JX_ERROR_CODE),'data'=>array('Token'=>'0'));
    $return['data']= $outputElem;
  }
  


  return $return;
}

function bpPmtStop( $parms ) {
  
  try {
    if ($parms['moc'] == 1) {
      $parms['serviceurl'] = $parms['mocservice'];
    }
    
    $parms['Account']['types'] = "PayFrom";
    $parms['Token'] = $parms["passwith"]["Token"];
    
    $parms['Payment']['Id'] = $parms["passwith"]["TxnId"];
    $parms['Payment']['From'] = $parms["passwith"]["FromId"];
    $parms['Payment']['Amount'] = $parms["passwith"]["Amount"];
    $parms['Payment']['Rush'] = $parms["passwith"]["Rush"];
    $parms['Payment']['Date'] = $parms["passwith"]["Date"];
    
    $respPaySchedPmtInq = jxBilPaySchedPmtInq( $parms );
    
    if ($respPaySchedPmtInq["status"]["response"] == 'false') {
      if ( empty($respPaySchedPmtInq["status"]["message"]) ) {
        $respPaySchedPmtInq["status"]["message"] = 'Stop Payment (Payment Inquiry) Failed.';
      }
      throw new Exception($respPaySchedPmtInq['status']['message']);
    } else {
      // get key for payee
      $ActIntentKey = $respPaySchedPmtInq["data"]["ActIntentKey"];
    }
    
    //  $response["status"]["response"] = 'false';
    //  $response["status"]["message"] = "Payment Stopped.";
    
    
    $responseStop = jxStopPayment($parms,$ActIntentKey);
    
    
    if ($responseStop["status"]["response"] == 'false') {
      if (empty($responseStop["status"]["message"])) {
        $responseStop["status"]["message"] = 'Stop Payment Failed';
      }
      throw new Exception($responseStop['status']['message']);
    } else {
      // return good status
      $response['data'] = array();
      $response["status"]["code"] = "000";
      
# normalize the name for scalability
      $response['data']["StopResult"] = ($responseStop['data']['RsStat'] == "Success" ? "1" : "0");
      
      $return = $response;
    }
  } catch (Exception $e) {
    $return = array('status'=>array('response'=>'false','message'=>$e->getMessage(),'code'=>MP_JX_ERROR_CODE),'data'=>array('Token'=>'0'));
  }
  return $return;
}

function bpGetPaymentDates( $parms ) {
  try {
    if ($parms['moc'] == 1) {
      $parms['serviceurl'] = $parms['mocservice'];
    }
    $parms['Account']['types'] = "PayFrom";
    $parms['Token'] = $parms["passwith"]["Token"];
    $parms['PayeeId']=$parms["passwith"]["PayeeId"];
    
    $response = jxBilPayPayeeInq($parms ,"");
    
    if ($response['status']['response'] != 'true') {
      throw new Exception($response['status']['message']);
    }
    
    $responseBilPayChanInq = jxBilPayChanInq($parms);
    if ($responseBilPayChanInq['status']['response'] != 'true') {
      throw new Exception($responseBilPayChanInq['status']['message']);
    }
    
    $cutOfftime = $responseBilPayChanInq["data"]["BilPayChanInfo"]["PmtCutoffTime"];
    $defaultTZ = date_default_timezone_get(); # so we can put it back
    date_default_timezone_set('UTC');
    $now = time();
    $payee = array();
    $payee = $response["data"];
    $firstpay = $payee["FirstAvlProcDt"];
    
    $nextpay = new DateTime($firstpay);
    $nextpay->add(new DateInterval('P1D'));
    $nextpay = $nextpay->format('Y-m-d') . "\n";
    $lead = $payee["EstArvDay"];
    
    if($now > strtotime( $cutOfftime )) {
      $Start = strtotime( $nextpay );
    } else {
      $Start = strtotime( $firstpay );
    }
    
    $End = $Start + (90 * 24 * 60 * 60);
    
    for ($i = $Start; $i <= $End; $i += 86400) {
      $item = array();
      $item = gmdate('Y-m-d',$i);
      $datelist[] = $item;
    }
    
    foreach(  $responseBilPayChanInq[data][BilPayChanInfo][NonProcDtInfoArray][NonProcDtInfo] as $key => $value ) {
      $outputElem = $value["NonProcDt"];
      $output[] = $outputElem;
    }
    
    $result = array_diff($datelist, $output);
    array_splice($result,count($result),0);
    $newDateList = array();
    if (strtoupper($parms['datemodel']) == 'DUE') {
      $resultcount = count($result) - $lead;
    }
    else {
      $resultcount = count($result);
    }
    for ($i = 0; $i < $resultcount;$i++){
      $item = array();
      $item['Proc'] = $result[$i];
      if (strtoupper($parms['datemodel']) == 'DUE') {
        $ix =$i + $lead;
        $item['Due'] = $result[$ix];
      }
      $newDateList[] = $item;
    }
    
    $return = array('status'=>array('response'=>'true','message'=>"",'code'=>"000"),'data'=>"");
    $return['data']['EarliestPay'] = $firstpay;
    $return['data']['NextPay'] = $nextpay;
    $return['data']['Cutoff'] = $cutOfftime;
    $return['data']['LeadDays'] = $lead;
# build RushOptions list like this:
    //    $return['data']['RushOptions'][]=array('Display'=>'Overnight','Value'=>'OVERNIGHT_CHECK','Price'=>'14.95');
    $return['data']['RushOptions'] = array();
    $return['data']['PaymentDates'] = $newDateList;
    
  } catch (Exception $e) {
    $return=array('status'=>array('response'=>'false','message'=>$e->getMessage()),'code'=>MP_JX_ERROR_CODE,'data'=>array());
  }

  return $return;
  
}

function bpGetTerms( $parms ) {
  try {
  # JXChange has no Get Terms functionality - just return empty success
    $return=array('status'=>array('response'=>'true','message'=>'success','code'=>"000"),'data'=>array('Terms'=>''));
  } catch (Exception $e) {
    $return=array('status'=>array('response'=>'false','message'=>$e->getMessage()),'code'=>MP_JX_ERROR_CODE,'data'=>array());
  }
  return $return;
}

function bpGetRushOptions( $parms ) {
  try {
# JXChange: Not done.
    $return=array('status'=>array('response'=>'true','message'=>'success', "code"=>"000"),'data'=>array());
  } catch (Exception $e) {
    $return=array('status'=>array('response'=>'false','message'=>$e->getMessage()),'code'=>MP_JX_ERROR_CODE,'data'=>array());
  }
  return $return;
}

function bpAcceptTerms( $parms ) {
  try {
# CheckFree has no Accept Terms functionality - just return empty success
    $return=array('status'=>array('response'=>'true','message'=>'success', "code"=>"000"),'data'=>array());
  } catch (Exception $e) {
    $return=array('status'=>array('response'=>'false','message'=>$e->getMessage()),'code'=>MP_JX_ERROR_CODE,'data'=>array());
  }
  return $return;
}

function bpGetFeatureList($parms) {
    try {
        # Need to decide what the data looks like here -- string list of available features
        # maybe something out of trusteddetail (which comes to this function in $parms)
        # to allow customizing by cu
      $extraOptions = htmlentities($parms['ExtraOptions']);

      $return=array('status'=>array('response'=>'true','message'=>'success',"code"=>"000"),
                    'data'=>array("extras" => $extraOptions, 'featurelist'=>""));
    } catch (Exception $e) {
      $return=array('status'=>array('response'=>'false','message'=>$e->getMessage()),'code'=>MP_PSCU_ERROR_CODE,'data'=>array());
    }
    return $return;
}

function schedSort($a, $b)
{
  $atime = strtotime($a['Date']);
  $btime = strtotime($b['Date']);
  if ($atime == $btime) {
    if ($a['ToName'] == $b['ToName']) {
      if ( $a["TxnId"] == $b["TxnId"] ) {
        return 0;
      }
      return ($a['TxnId'] < $b['TxnId']) ? -1 : 1;
    }
    return ($a['ToName'] < $b['ToName']) ? -1 : 1;
  }
  return ($atime < $btime) ? -1 : 1;
}

function histSort($a, $b) {
  $atime = strtotime($a['Date']);
  $btime = strtotime($b['Date']);
  if ($atime == $btime) {
    if ($a['ToName'] == $b['ToName']) {
      if ( $a["TxnId"] == $b["TxnId"] ) {
        return 0;
      }
      return ($a['TxnId'] < $b['TxnId']) ? -1 : 1;
    }
    return ($a['ToName'] < $b['ToName']) ? -1 : 1;
  }
  return ($atime > $btime) ? -1 : 1;
}
//
//function OpenIpay( $parms ) {
//# tested OK 10/22/12
//# uses: $parms['InstitutionId']
//#       $parms['password']
//#       $parms['tokenurl']
//# (retrieved and decoded from cuthird)
//#
//# GetToken
//# SubscriberValidation
//# return SubscriberValidation result as status, <User> data as ipaydata
//
//  $token = array();
//  if ( !isset($parms['InstitutionId']) || !isset($parms['password']) ||
//       !isset($parms['tokenurl']) ){
//    $token["status"]["response"]='false';
//    $token["status"]["code"] = MP_JX_ERROR_CODE;
//    $token["status"]["message"]='Missing Parameters (' . __LINE__ . ')';
//    $return=$token;
//  }
//
//  $response = array();
//  $token = ipayGetToken( $parms );
//
//
//  if ($token["status"]["response"] == 'false') {
//    if (empty($token["status"]["message"]))
//      $token["status"]["message"] = 'Get Token Failed';
//    $return = $token;
//  } else {
//    $parms['Token'] = $token["ipaydata"]["token"];
//    $subscriber = ipaySubscriberValidation($parms);
//    $return = $subscriber;
//  }
//  return $return;
//}

function createSoapHeader ($parms){
  $cuid = $parms['username'];
  $pwd = $parms['password'];
  $createddate = date("Y-m-d H:i:s",time());

  $soapString = "\n  <soapenv:Header>\n";
  $soapString .= "  <wsse:Security soapenv:mustUnderstand=\"1\" xmlns:wsse=\"http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-wssecurity-secext-1.0.xsd\" xmlns:wsu=\"http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-wssecurity-utility-1.0.xsd\">\n";
  $soapString .= "<wsse:UsernameToken>
    <wsse:Username>$cuid</wsse:Username>
    <wsse:Password Type=\"http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-username-token-profile-1.0#PasswordText\">$pwd</wsse:Password>
    <wsu:Created>$createddate</wsu:Created>
      </wsse:UsernameToken>
    </wsse:Security>
  </soapenv:Header>\n";

  return $soapString;
}

function createSoapSearchMsgRqHdr ($parms){
  $instRtId = $parms['InstitutionId'];
  $consmName = $parms['consumername'];
  $consmProduct = $parms['consumerproduct'];
  $instEnviron = $parms['institutionenvironment'];
  $jxLogTrackID = getGUID();
  $jxVersion = $parms["version"];
  $validConsmProd = $parms['validconsmprod'];
  $validConsmName = $parms['validconsmname'];
  $workFlowcCorrelID = $parms['workflowcorrelid'];
  $busCorrelID = $parms["Token"];
  $auditWsID = $parms['auditwsid'];
  $auditUsrID = $parms['auditusrid'];

  $soapString = "<ns:SrchMsgRqHdr>
            <ns:jXchangeHdr>
              <!--Optional:-->
              <ns:JxVer>$jxVersion</ns:JxVer>
              <ns:AuditUsrId>$auditUsrID</ns:AuditUsrId>
              <ns:AuditWsId>$auditWsID</ns:AuditWsId>
              <!--Optional:-->
              <ns:ConsumerName>$consmName</ns:ConsumerName>
              <!--Optional:-->
              <ns:ConsumerProd>$consmProduct</ns:ConsumerProd>
              <ns:Ver_1/>
              <!--Optional:-->
              <ns:jXLogTrackingId>$jxLogTrackID</ns:jXLogTrackingId>
              <ns:Ver_2/>
              <!--Optional:-->
              <ns:InstRtId JHANull=\"true\" Rstr=\"ReadWrite\">$instRtId</ns:InstRtId>
              <ns:InstEnv>$instEnviron</ns:InstEnv>
              <ns:Ver_3/>
              <!--Optional:-->
              <ns:BusCorrelId>$busCorrelID</ns:BusCorrelId>
              <ns:Ver_4/>
              <!--Optional:-->
              <ns:WorkflowCorrelId>$workFlowcCorrelID</ns:WorkflowCorrelId>
              <ns:Ver_5/>
              <!--Optional:-->
              <ns:ValidConsmName>$validConsmName</ns:ValidConsmName>
              <!--Optional:-->
              <ns:ValidConsmProd>$validConsmProd</ns:ValidConsmProd>
              <ns:Ver_6/>
              <!--You may enter ANY elements at this point-->
            </ns:jXchangeHdr>
            <ns:MaxRec>100</ns:MaxRec>
          </ns:SrchMsgRqHdr>\n";
  
  return $soapString;
}

function createSoapMsgRqHdr ($parms){
  $instRtId = $parms['InstitutionId'];
  $consmName = $parms['consumername'];
  $consmProduct = $parms['consumerproduct'];
  $instEnviron = $parms['institutionenvironment'];
  $jxLogTrackID = getGUID();
  $jxVersion = $parms["version"];
  $validConsmProd = $parms['validconsmprod'];
  $validConsmName = $parms['validconsmname'];
  $workFlowcCorrelID = $parms['workflowcorrelid'];
  $busCorrelID = $parms["Token"];
  $auditWsID = $parms['auditwsid'];
  $auditUsrID = $parms['auditusrid'];
  
  $soapString = "<ns:MsgRqHdr>
            <ns:jXchangeHdr>
               <!--Optional:-->
               <ns:JxVer>$jxVersion</ns:JxVer>
               <ns:AuditUsrId>$auditUsrID</ns:AuditUsrId>
               <ns:AuditWsId>$auditWsID</ns:AuditWsId>
               <!--Optional:-->
               <ns:ConsumerName>$consmName</ns:ConsumerName>
               <!--Optional:-->
               <ns:ConsumerProd>$consmProduct</ns:ConsumerProd>
               <ns:Ver_1/>
               <!--Optional:-->
               <ns:jXLogTrackingId>$jxLogTrackID</ns:jXLogTrackingId>
               <ns:Ver_2/>
               <!--Optional:-->
               <ns:InstRtId JHANull=\"true\" Rstr=\"ReadWrite\">$instRtId</ns:InstRtId>
               <ns:InstEnv>$instEnviron</ns:InstEnv>
               <ns:Ver_3/>
               <!--Optional:-->
               <ns:BusCorrelId>$busCorrelID</ns:BusCorrelId>
               <ns:Ver_4/>
               <!--Optional:-->
               <ns:WorkflowCorrelId>$workFlowcCorrelID</ns:WorkflowCorrelId>
               <ns:Ver_5/>
               <!--Optional:-->
               <ns:ValidConsmName>$validConsmName</ns:ValidConsmName>
               <!--Optional:-->
               <ns:ValidConsmProd>$validConsmProd</ns:ValidConsmProd>
               <ns:Ver_6/>
               <!--You may enter ANY elements at this point-->
            </ns:jXchangeHdr>
            <ns:Ver_1/>
            <!--Optional:-->
            <ns:Ver_2/>
            <!--Optional:-->
            <ns:Ver_3/>
            <!--You may enter ANY elements at this point-->
         </ns:MsgRqHdr>\n";
  
  return $soapString;
}


function jxBilPaySubInq ($parms){
  try {
    $reqparms = array('InstitutionId'=>1,
                      'consumername' => 1,
                      'consumerproduct' => 1,
                      'institutionenvironment' => 1,
                      'xmlnamespace' => 1,
                      'username'=> 1,
                      'password'=>1,
                      'Token'=>1,
                      'product'=>1,
                      'BillpayId' => 1
                      );
    $missing = array_diff_key($reqparms,$parms);
    if (sizeof($missing)) {
      throw new Exception("Missing Parameters (" . join(", ",array_keys($missing)) . " )");
    }

        // see if the data is cached
    $cacheType = CACHE_KEY_SUBINQ;
    $cachedData = ReadCheckFreeCache( $parms["environment"]["dbConn"],
                                     $parms["environment"]["memberId"],
                                     $parms["BillpayId"],
                                     $parms["environment"]["Cu"],
                                     $cacheType,
                                     $parms["Token"] );
    
    
    if ( !is_array( $cachedData ) ) {
      $product = $parms['product'];
      $subID = $parms['BillpayId'];
      $soapHeader = createSoapHeader($parms);
      $soapMsgHdr = createSoapMsgRqHdr($parms);
      
      $soapString =  "<soapenv:Envelope xmlns:ns=\"http://jackhenry.com/jxchange/TPG/2008\" xmlns:oas=\"http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-wssecurity-secext-1.0.xsd\" xmlns:soapenv=\"http://schemas.xmlsoap.org/soap/envelope/\">";
      $soapString .= $soapHeader;
      $soapString .= "   <soapenv:Body>
      <ns:BilPaySubInq>";
      $soapString .= $soapMsgHdr;
      $soapString .= "<!--Optional:-->
      <ns:BilPayProd JHANull=\"?\">$product</ns:BilPayProd>
      <ns:SubId JHANull=\"true\">$subID</ns:SubId>
      </ns:BilPaySubInq>
      </soapenv:Body>
      </soapenv:Envelope>";
      
      
      $soapHeaders = array();
      $soapHeaders[] = "Content-Type: text/xml; charset=utf-8";
      $soapHeaders[] = "SOAPAction: \"http://jackhenry.com/ws/BilPaySubInq\"";
      $response = jxembcurl($soapString, $soapHeaders, $parms['serviceurl'],'','','');
      
      if ( $parms["logging"] == "enabled" ) {
        $logParms = $parms["environment"];                      // get the environment info passed in
        $logParms["token"] = $parms['Token'];                   // the id used across all communications in session
        $now = time();
        $logParms["txnId"] = $now;                              // the id for this transaction
        $logParms["logPoint"] = "BilPaySubInq";     // this action in a readable form
        $logParms["request"] = $soapString;                     // the request
        $logParms["reply"] = $response;                         // the response
        LogJXActivity( $logParms );
      }
      
      $xmlreturn = hcuGetJXXMLResponseAll ($response, 'BilPaySubInqResponse',$parms['xmlnamespace'],$parms['xmlnamespaceresp']);
      
      ///////////////
      
      //$return[data] = $xmlreturn[data];
      //$return["status"]["response"]='true';
      
      if (!is_array($xmlreturn)) {
        throw new Exception("BilPaySubInq Invalid XML Response");
      }
      
      if ($xmlreturn[status][response] != 'true' ) {
        throw new Exception("SubscriberGetInfo Failed {$xmlreturn['faultcode']}  {$xmlreturn['faultstring']}");
      }
      
      WriteCheckFreeCache( $parms["environment"]["dbConn"],
                          $parms["environment"]["memberId"],
                          $parms["BillpayId"],
                          $parms["environment"]["Cu"],
                          $cacheType,
                          $parms["Token"],
                          $xmlreturn["data"]);
      
      //$activeStatus = $xmlreturn[data][SubStat];
      $return[data] = $xmlreturn[data];
    }
    else {
      $return[status][response] = 'true';
      $return[status][message] = 'Success';
      $return["data"] = $cachedData;
    }
    $return["status"]["response"]='true';
    $return[status][message] = 'Success';
    
  } catch ( Exception $e ){
    $return[status][response] = 'false';
    $return[status][message] = $e->getMessage();
    //        $return[status][message] = "(" . $e->getline() . ") " . $e->getMessage() . print_r($xmlreturn[data],true);
    $return[status][line] = $e->getLine();
    //        $return[response]=$response;
    //        $return[xmlretrun]=$xmlreturn;
    $return[data] = array();
  }
  return $return;
}

function jxBilPayChanInq( $parms ) {
# not tested OK 
  try {
    $reqparms = array('InstitutionId'=>1,
                      'consumername' => 1,
                      'consumerproduct' => 1,
                      'institutionenvironment' => 1,
                      'xmlnamespace' => 1,
                      'username'=> 1,
                      'password'=>1,
                      'Token'=>1,
                      'product'=>1,
                      'BillpayId' => 1
                      );
    $missing = array_diff_key($reqparms,$parms);
    if (sizeof($missing)) {
      throw new Exception("Missing Parameters (" . join(", ",array_keys($missing)) . " )");
    }
//    if ( !isset($parms['InstitutionId']) || !isset($parms['password']) ){
//      $token = array();
//      $token["status"]["response"]='false';
//      $token["status"]["code"] = MP_JX_ERROR_CODE;
//      $token["status"]["message"]='Missing Parameters (' . __LINE__ . ')';
//      $return=$token;
//    }
    
    $cacheType = CACHE_KEY_BILPAYCHANINQ;
    $cachedData = ReadCheckFreeCache( $parms["environment"]["dbConn"],
                                     $parms["environment"]["memberId"],
                                     $parms["BillpayId"],
                                     $parms["environment"]["Cu"],
                                     $cacheType,
                                     $parms["Token"] );
    
    if ( !is_array( $cachedData ) ) {
      $product = $parms['product'];
      $soapHeader = createSoapHeader($parms);
      $soapMsgHdr = createSoapMsgRqHdr($parms);
      
      $soapString =  "<soapenv:Envelope xmlns:ns=\"http://jackhenry.com/jxchange/TPG/2008\" xmlns:oas=\"http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-wssecurity-secext-1.0.xsd\" xmlns:soapenv=\"http://schemas.xmlsoap.org/soap/envelope/\">";
      $soapString .= $soapHeader;
      $soapString .= "   <soapenv:Body>
      <ns:BilPayChanInq>";
      $soapString .= $soapMsgHdr;
      $soapString .= "<!--Optional:-->
      <ns:BilPayProd JHANull=\"?\">$product</ns:BilPayProd>
      <!--Optional:-->
      <!--Optional:-->
      <ns:Custom>
      <!--You may enter ANY elements at this point-->
      </ns:Custom>
      <ns:Ver_1/>
      <!--You may enter ANY elements at this point-->
      </ns:BilPayChanInq>
      </soapenv:Body>
      </soapenv:Envelope>";
      
      
      $soapHeaders = array();
      $soapHeaders[] = "Content-Type: text/xml; charset=utf-8";
      $soapHeaders[] = "SOAPAction: \"http://jackhenry.com/ws/BilPayChanInq\"";
      $response = jxembcurl($soapString, $soapHeaders, $parms['serviceurl'],'','','');
      
      if ( $parms["logging"] == "enabled" ) {
        $logParms = $parms["environment"];                      // get the environment info passed in
        $logParms["token"] = $parms['Token'];                   // the id used across all communications in session
        $now = time();
        $logParms["txnId"] = $now;                              // the id for this transaction
        $logParms["logPoint"] = "BilPayChanInq";     // this action in a readable form
        $logParms["request"] = $soapString;                     // the request
        $logParms["reply"] = $response;                         // the response
        LogJXActivity( $logParms );
      }
      
      $xmlreturn = hcuGetJXXMLResponseAll ($response, 'BilPayChanInqResponse',$parms['xmlnamespace'],$parms['xmlnamespaceresp']);
      
      
      
      if (!is_array($xmlreturn)) {
        throw new Exception("BilPayChanInq Invalid XML Response");
      }
      if ($xmlreturn[status][response] != 'true') {
        //throw new Exception("Institution Validation Failed {$xmlreturn[data][Result][ResultInfo][Code]} {$xmlreturn[FAULT][Result][ResultInfo][Description]}");
        throw new Exception("Institution Validation Failed {$xmlreturn['faultcode']}  {$xmlreturn['faultstring']}");
      }
      
      WriteCheckFreeCache( $parms["environment"]["dbConn"],
                          $parms["environment"]["memberId"],
                          $parms["BillpayId"],
                          $parms["environment"]["Cu"],
                          $cacheType,
                          $parms["Token"],
                          $xmlreturn["data"]);
      
      $return[status][response] = 'true';
      $return[status][message] = 'Success';
      $return[data] = $xmlreturn[data];

    }
    else {

      $return[status][response] = 'true';
      $return[status][message] = 'Success';
      $return["data"] = $cachedData;
    }

    
  } catch (Exception $e) {
    $return[status][response] = 'false';
    $return[status][message] = $e->getMessage();//0613
    $return[status][line] = $e->getLine();
    $return[data] = array();
  //        $return["extra"] = "Sent: $soapString returned: $response parsed into: " . print_r( $xmlreturn, true );
  }
  return $return;

}


function jxAddPayment( $parms ) {
  
  try {
    $reqparms = array('InstitutionId'=>1,
                      'consumername' => 1,
                      'consumerproduct' => 1,
                      'institutionenvironment' => 1,
                      'xmlnamespace' => 1,
                      'username'=> 1,
                      'password'=>1,
                      'Token'=>1,
                      'product'=>1,
                      'BillpayId' => 1
                      );
    $missing = array_diff_key($reqparms,$parms);
    if (sizeof($missing)) {
      throw new Exception("Missing Parameters (" . join(", ",array_keys($missing)) . " )");
    }
    $product = $parms['product'];
    $subID = $parms['BillpayId'];
    
    $paymentDate = date( "Y-m-d", strtotime( $parms["Payment"]['Date'] ) );
    $accountFrom =  $parms['Payment']['From'];
    $accountTo =  $parms['Payment']['To'];
    $payAmount = $parms['Payment']['Amount'];
    $soapHeader = createSoapHeader($parms);
    $soapMsgHdr = createSoapMsgRqHdr($parms);
    
    $soapString =  "<soapenv:Envelope xmlns:ns=\"http://jackhenry.com/jxchange/TPG/2008\" xmlns:oas=\"http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-wssecurity-secext-1.0.xsd\" xmlns:soapenv=\"http://schemas.xmlsoap.org/soap/envelope/\">";
    $soapString .= $soapHeader;
    $soapString .= "   <soapenv:Body>
    <ns:BilPaySchedPmtAdd>";
    $soapString .= $soapMsgHdr;
    $soapString .= "<!--Optional:-->
    <ns:BilPayProd JHANull=\"?\">$product</ns:BilPayProd>
    <ns:SubId JHANull=\"true\">$subID</ns:SubId>
    <ns:BilPaySchedPmtInfo>
    <!--Optional:-->
    <ns:PmtPayeeInfo>
    <!--Optional:-->
    <ns:PayeeId JHANull=\"?\">$accountTo</ns:PayeeId>
    <!--Optional:-->
    </ns:PmtPayeeInfo>
    <!--Optional:-->
    <ns:PmtProcDt JHANull=\"?\">$paymentDate</ns:PmtProcDt>
    <!--Optional:-->
    <ns:PmtAmt JHANull=\"?\" Rstr=\"?\">$payAmount</ns:PmtAmt>
    <!--Optional:-->
    <ns:PmtPayFromAcctInfo>
    <!--Optional:-->
    <ns:PayFromId JHANull=\"?\" Rstr=\"?\">$accountFrom</ns:PayFromId>
    <!--You may enter ANY elements at this point-->
    </ns:PmtPayFromAcctInfo>
    </ns:BilPaySchedPmtInfo>
    </ns:BilPaySchedPmtAdd>
    </soapenv:Body>
    </soapenv:Envelope>";
    
    
    $soapHeaders = array();
    $soapHeaders[] = "Content-Type: text/xml; charset=utf-8";
    $soapHeaders[] = "SOAPAction: \"http://jackhenry.com/ws/BilPaySchedPmtAdd\"";
    
    $response = jxembcurl($soapString, $soapHeaders, $parms['serviceurl'],'','','');
    
    if ( $parms["logging"] == "enabled" ) {
      $logParms = $parms["environment"];                      // get the environment info passed in
      $logParms["token"] = $parms['Token'];                       // the id used across all communications in session
      $now = time();
      $logParms["txnId"] = $now;                                // the id for this transaction
      $logParms["logPoint"] = "AddPayment";             // this action in a readable form
      $logParms["request"] = $soapString;                     // the request
      $logParms["reply"] = $response;                         // the response
      LogJXActivity( $logParms );
    }
    
    $xmlreturn = hcuGetJXXMLResponseAll ($response, 'BilPaySchedPmtAddResponse',$parms['xmlnamespace'],$parms['xmlnamespaceresp']);
    
    if (!is_array($xmlreturn)) {
      throw new Exception("AddPayment Invalid XML Response");
    }
    
    if ($xmlreturn[status][response] != 'true' )  {
      throw new Exception("AddPayment Failed. {$xmlreturn['faultcode']}  {$xmlreturn['faultstring']}");
    }
    
    $return[data] = $xmlreturn[data];
    $return["status"]["response"]='true';
    
    // remove any cached data
    $cacheType = CACHE_KEY_PMTS;
    DeleteCheckFreeCache( $parms["environment"]["dbConn"],
                         $parms["environment"]["memberId"],
                         $parms["BillpayId"],
                         $parms["environment"]["Cu"],
                         $cacheType,
                         $parms["Token"],
                         "" );
    
  }
  catch (Exception $e) {
    $return[status][response] = 'false';
    $return[status][message] = $e->getMessage();
    $return[status][line] = $e->getLine();
    $return[data] = array();
  }
  
  return $return;

}


function jxEditPayment( $parms, $key ) {
  try {
    
    $reqparms = array('InstitutionId'=>1,
                      'consumername' => 1,
                      'consumerproduct' => 1,
                      'institutionenvironment' => 1,
                      'xmlnamespace' => 1,
                      'username'=> 1,
                      'password'=>1,
                      'Token'=>1,
                      'product'=>1,
                      'BillpayId' => 1
                      );
    $missing = array_diff_key($reqparms,$parms);
    if (sizeof($missing)) {
      throw new Exception("Missing Parameters (" . join(", ",array_keys($missing)) . " )");
    }
    $paymentDate = date( "Y-m-d", strtotime( $parms["Payment"]['Date'] ) );
    $accountFrom =  $parms['Payment']['From'];
    $accountTo =  $parms['Payment']['To'];
    $payAmount = $parms['Payment']['Amount'];
    $payID = $parms[Payment][Id];
    $product = $parms['product'];
    $subID = $parms['BillpayId'];
    $soapHeader = createSoapHeader($parms);
    $soapMsgHdr = createSoapMsgRqHdr($parms);
    
    $soapString =  "<soapenv:Envelope xmlns:ns=\"http://jackhenry.com/jxchange/TPG/2008\" xmlns:oas=\"http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-wssecurity-secext-1.0.xsd\" xmlns:soapenv=\"http://schemas.xmlsoap.org/soap/envelope/\">";
    $soapString .= $soapHeader;
    $soapString .= "   <soapenv:Body>
    <ns:BilPaySchedPmtMod>";
    $soapString .= $soapMsgHdr;
    $soapString .= "<!--Optional:-->
    <ns:BilPayProd JHANull=\"?\">$product</ns:BilPayProd>
    <ns:SubId JHANull=\"true\">$subID</ns:SubId>
    <ns:PmtId JHANull=\"?\">$payID</ns:PmtId>
    <ns:ActIntentKey>$key</ns:ActIntentKey>
    <ns:BilPaySchedPmtInfo>
    <!--Optional:-->
    <ns:PmtProcDt JHANull=\"?\">$paymentDate</ns:PmtProcDt>
    <!--Optional:-->
    <ns:PmtAmt JHANull=\"?\" Rstr=\"?\">$payAmount</ns:PmtAmt>
    <!--Optional:-->
    <ns:PmtPayFromAcctInfo>
    <!--Optional:-->
    <ns:PayFromId JHANull=\"?\" Rstr=\"?\">$accountFrom</ns:PayFromId>
    <!--You may enter ANY elements at this point-->
    </ns:PmtPayFromAcctInfo>
    </ns:BilPaySchedPmtInfo>

    </ns:BilPaySchedPmtMod>
    </soapenv:Body>
    </soapenv:Envelope>";
    
    
    $soapHeaders = array();
    $soapHeaders[] = "Content-Type: text/xml; charset=utf-8";
    $soapHeaders[] = "SOAPAction: \"http://jackhenry.com/ws/BilPaySchedPmtMod\"";
    $response = jxembcurl($soapString, $soapHeaders, $parms['serviceurl'],'','','');
    
    if ( $parms["logging"] == "enabled" ) {
      $logParms = $parms["environment"];                      // get the environment info passed in
      $logParms["token"] = $parms['Token'];                      // the id used across all communications in session
      $now = time();
      $logParms["txnId"] = $now;                              // the id for this transaction
      $logParms["logPoint"] = "EditPayment";                 // this action in a readable form
      $logParms["request"] = $soapString;                     // the request
      $logParms["reply"] = $response;                         // the response
      LogJXActivity( $logParms );
    }
    
    $xmlreturn = hcuGetJXXMLResponseAll ($response,'BilPaySchedPmtInqResponse',$parms['xmlnamespace'],$parms['xmlnamespaceresp']);

    if (!is_array($xmlreturn)) {
      throw new Exception("Modify Payment Invalid XML Response");
    }
    if ($xmlreturn[status][response] != 'true') {
      throw new Exception("ModifyPayment Failed. {$xmlreturn[status][message]}");
    }
    
    $return[data] = $xmlreturn[data];
    $return["status"]["response"]='true';
    
    // remove any cached data
    $cacheType = CACHE_KEY_PMTS;
    DeleteCheckFreeCache( $parms["environment"]["dbConn"],
                         $parms["environment"]["memberId"],
                         $parms["BillpayId"],
                         $parms["environment"]["Cu"],
                         $cacheType,
                         $parms["Token"],
                         "" );
    
  }
  catch (Exception $e) {
    $return[status][response] = 'false';
    $return[status][message] = $e->getMessage();
    $return[status][line] = $e->getLine();
    $return[data] = array();
  }
  
  return $return;
}


function jxGetHistory( $parms ) {
  try {
    $reqparms = array('InstitutionId'=>1,
                      'consumername' => 1,
                      'consumerproduct' => 1,
                      'institutionenvironment' => 1,
                      'xmlnamespace' => 1,
                      'username'=> 1,
                      'password'=>1,
                      'Token'=>1,
                      'product'=>1,
                      'BillpayId' => 1
                      );
    $missing = array_diff_key($reqparms,$parms);
    if (sizeof($missing)) {
      throw new Exception("Missing Parameters (" . join(", ",array_keys($missing)) . " )");
    }
    
    // see if the data is cached
    $cacheType = CACHE_KEY_HIST;
    $cachedData = ReadCheckFreeCache( $parms["environment"]["dbConn"],
                                     $parms["environment"]["memberId"],
                                     $parms["BillpayId"],
                                     $parms["environment"]["Cu"],
                                     $cacheType,
                                     $parms["Token"] );

    if ( !is_array( $cachedData ) ) {
      $product = $parms['product'];
      $subID = $parms['BillpayId'];
      $soapHeader = createSoapHeader($parms);
      $soapMsgHdr = createSoapSearchMsgRqHdr($parms);
      
      $soapString =  "<soapenv:Envelope xmlns:ns=\"http://jackhenry.com/jxchange/TPG/2008\" xmlns:oas=\"http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-wssecurity-secext-1.0.xsd\" xmlns:soapenv=\"http://schemas.xmlsoap.org/soap/envelope/\">";
      $soapString .= $soapHeader;
      $soapString .= "   <soapenv:Body>
      <ns:BilPayPmtHistSrch>";
      $soapString .= $soapMsgHdr;
      $soapString .= "<!--Optional:-->
      <ns:BilPayProd JHANull=\"?\">$product</ns:BilPayProd>
      <ns:SubId JHANull=\"true\">$subID</ns:SubId>
      </ns:BilPayPmtHistSrch>
      </soapenv:Body>
      </soapenv:Envelope>";
      
      
      $soapHeaders = array();
      $soapHeaders[] = "Content-Type: text/xml; charset=utf-8";
      $soapHeaders[] = "SOAPAction: \"http://jackhenry.com/ws/BilPayPmtHistSrch\"";
      $response = jxembcurl($soapString, $soapHeaders, $parms['serviceurl'],'','','');
      
      if ( $parms["logging"] == "enabled" ) {
        $logParms = $parms["environment"];                      // get the environment info passed in
        $logParms["token"] = $parms['Token'];                      // the id used across all communications in session
        $now = time();
        $logParms["txnId"] = $now;                              // the id for this transaction
        $logParms["logPoint"] = "GetHistory";                 // this action in a readable form
        $logParms["request"] = $soapString;                     // the request
        $logParms["reply"] = $response;                         // the response
        LogJXActivity( $logParms );
      }
      $xmlreturn = hcuGetJXXMLResponse ($response,'BilPayPmtHistSrchInfo',$parms['xmlnamespace'],$parms['xmlnamespaceresp']);
      if (!is_array($xmlreturn)) {
        throw new Exception("GetHistory Invalid XML Response");
      }
      if ($xmlreturn[status][response] != 'true') {
        throw new Exception("GetHistory Failed.  {$xmlreturn['faultcode']}  {$xmlreturn['faultstring']}");
      }
      
      WriteCheckFreeCache( $parms["environment"]["dbConn"],
                          $parms["environment"]["memberId"],
                          $parms["BillpayId"],
                          $parms["environment"]["Cu"],
                          $cacheType,
                          $parms["Token"],
                          $xmlreturn["data"]);
      
      $return[data] = $xmlreturn[data];
      $return["status"]["response"]='true';
    }
    else {
      $return[status][response] = 'true';
      $return[status][message] = 'Success';
      $return["data"] = $cachedData;
    }
  }
  catch (Exception $e) {
    $return[status][response] = 'false';
    $return[status][message] = $e->getMessage();
    $return[status][line] = $e->getLine();
    $return[data] = array();
  }
  
  return $return;
}


function jxGetPayeeList( $parms ) {
  
  try {
    
    $reqparms = array('InstitutionId'=>1,
                      'consumername' => 1,
                      'consumerproduct' => 1,
                      'institutionenvironment' => 1,
                      'xmlnamespace' => 1,
                      'username'=> 1,
                      'password'=>1,
                      'Token'=>1,
                      'product'=>1,
                      'BillpayId' => 1
                      );
    $missing = array_diff_key($reqparms,$parms);
    if (sizeof($missing)) {
      throw new Exception("Missing Parameters (" . join(", ",array_keys($missing)) . " )");
    }
    
    // see if the data is cached
    $cacheType = CACHE_KEY_BILPAYPAYEESRCH;
    $cachedData = ReadCheckFreeCache( $parms["environment"]["dbConn"],
                                     $parms["environment"]["memberId"],
                                     $parms["BillpayId"],
                                     $parms["environment"]["Cu"],
                                     $cacheType,
                                     $parms["Token"] );
    
    
    if ( !is_array( $cachedData ) ) {
      $product = $parms['product'];
      $subID = $parms['BillpayId'];
      $soapHeader = createSoapHeader($parms);
      $soapMsgHdr = createSoapSearchMsgRqHdr($parms);
      
      $soapString =  "<soapenv:Envelope xmlns:ns=\"http://jackhenry.com/jxchange/TPG/2008\" xmlns:oas=\"http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-wssecurity-secext-1.0.xsd\" xmlns:soapenv=\"http://schemas.xmlsoap.org/soap/envelope/\">";
      $soapString .= $soapHeader;
      $soapString .= "   <soapenv:Body>
      <ns:BilPayPayeeSrch>";
      $soapString .= $soapMsgHdr;
      $soapString .= "<!--Optional:-->
      <ns:BilPayProd JHANull=\"?\">$product</ns:BilPayProd>
      <ns:SubId JHANull=\"true\">$subID</ns:SubId>
      </ns:BilPayPayeeSrch>
      </soapenv:Body>
      </soapenv:Envelope>";
      
      
      $soapHeaders = array();
      $soapHeaders[] = "Content-Type: text/xml; charset=utf-8";
      $soapHeaders[] = "SOAPAction: \"http://jackhenry.com/ws/BilPayPayeeSrch\"";
      $response = jxembcurl($soapString, $soapHeaders, $parms['serviceurl'],'','','');
      
      if ( $parms["logging"] == "enabled" ) {
        $logParms = $parms["environment"];                      // get the environment info passed in
        $logParms["token"] = $parms['Token'];                      // the id used across all communications in session
        $now = time();
        $logParms["txnId"] = $now;                              // the id for this transaction
        $logParms["logPoint"] = "GetPayeeList";               // this action in a readable form
        $logParms["request"] = $soapString;                     // the request
        $logParms["reply"] = $response;                         // the response
        LogJXActivity( $logParms );
      }
      
      $xmlreturn = hcuGetJXXMLResponse ($response,'BilPayPayeeSrchInfo',$parms['xmlnamespace'],$parms['xmlnamespaceresp']);
      if (!is_array($xmlreturn)) {
        throw new Exception("GetPayeeList Invalid XML Response");
      }
      if ($xmlreturn[status][response] != 'true') {
        throw new Exception("GetPayeeList Failed.  {$xmlreturn['faultcode']}  {$xmlreturn['faultstring']}");
      }
      
      WriteCheckFreeCache( $parms["environment"]["dbConn"],
                          $parms["environment"]["memberId"],
                          $parms["BillpayId"],
                          $parms["environment"]["Cu"],
                          $cacheType,
                          $parms["Token"],
                          $xmlreturn["data"]);
      
      $return[data] = $xmlreturn[data];
      $return["status"]["response"]='true';
    }
    else {
      $return[status][response] = 'true';
      $return[status][message] = 'Success';
      $return["data"] = $cachedData;
    }
  }
  catch (Exception $e) {
    $return[status][response] = 'false';
    $return[status][message] = $e->getMessage();
    $return[status][line] = $e->getLine();
    $return[data] = array();
  }
  
  return $return;
  
}

function jxBilPayPayeeInq( $parms ,$actIntent ) {
  
  try {
    $reqparms = array('InstitutionId'=>1,
                      'consumername' => 1,
                      'consumerproduct' => 1,
                      'institutionenvironment' => 1,
                      'xmlnamespace' => 1,
                      'username'=> 1,
                      'password'=>1,
                      'Token'=>1,
                      'product'=>1,
                      'BillpayId' => 1,
                      'PayeeId' => 1
                      );
    $missing = array_diff_key($reqparms,$parms);
    if (sizeof($missing)) {
      throw new Exception("Missing Parameters (" . join(", ",array_keys($missing)) . " )");
    }
    $product = $parms['product'];
    $subID = $parms['BillpayId'];
    $payeeID = $parms['PayeeId'];
    $soapHeader = createSoapHeader($parms);
    $soapMsgHdr = createSoapMsgRqHdr($parms);

    
    $soapString =  "<soapenv:Envelope xmlns:ns=\"http://jackhenry.com/jxchange/TPG/2008\" xmlns:oas=\"http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-wssecurity-secext-1.0.xsd\" xmlns:soapenv=\"http://schemas.xmlsoap.org/soap/envelope/\">";
    $soapString .= $soapHeader;
    $soapString .= "   <soapenv:Body>
    <ns:BilPayPayeeInq>";
    $soapString .= $soapMsgHdr;
    $soapString .= "<!--Optional:-->
    <ns:BilPayProd JHANull=\"?\">$product</ns:BilPayProd>
    <ns:SubId JHANull=\"true\">$subID</ns:SubId>
    <ns:PayeeId JHANull=\"?\">$payeeID</ns:PayeeId>";
    
    if (strlen($actIntent) > 0){
      $soapString .= "<ns:ActIntent>$actIntent</ns:ActIntent>";
    }
    
    $soapString .= "</ns:BilPayPayeeInq>
    </soapenv:Body>
    </soapenv:Envelope>";
    
    

    
    $soapHeaders = array();
    $soapHeaders[] = "Content-Type: text/xml; charset=utf-8";
    $soapHeaders[] = "SOAPAction: \"http://jackhenry.com/ws/BilPayPayeeInq\"";
    $response = jxembcurl($soapString, $soapHeaders, $parms['serviceurl'],'','','');
    
    if ( $parms["logging"] == "enabled" ) {
      $logParms = $parms["environment"];                      // get the environment info passed in
      $logParms["token"] =  $parms['Token'];                      // the id used across all communications in session
      $now = time();
      $logParms["txnId"] = $now;                              // the id for this transaction
      $logParms["logPoint"] = "BilPayPayeeInq";               // this action in a readable form
      $logParms["request"] = $soapString;                     // the request
      $logParms["reply"] = $response;                         // the response
      LogJXActivity( $logParms );
    }
    
    $xmlreturn = hcuGetJXXMLResponseAll ($response,'BilPayPayeeInqResponse',$parms['xmlnamespace'],$parms['xmlnamespaceresp']);
    if (!is_array($xmlreturn)) {
      throw new Exception("BilPayPayeeInq Invalid XML Response");
    }
    if ($xmlreturn[status][response] != 'true') {
      throw new Exception("BilPayPayeeInq Failed. {$xmlreturn['faultcode']}  {$xmlreturn['faultstring']}");
    }
    
    $return[data] = $xmlreturn[data];
    $return["status"]["response"]='true';
    
  }
  catch (Exception $e) {
    $return[status][response] = 'false';
    $return[status][message] = $e->getMessage();
    $return[status][line] = $e->getLine();
    $return[data] = array();
  }
  return $return;
  
}

function jxBilPaySchedPmtInq ( $parms ){
  try {
    
    $reqparms = array('InstitutionId'=>1,
                      'consumername' => 1,
                      'consumerproduct' => 1,
                      'institutionenvironment' => 1,
                      'xmlnamespace' => 1,
                      'username'=> 1,
                      'password'=>1,
                      'Token'=>1,
                      'product'=>1,
                      'BillpayId' => 1
                      );
    $missing = array_diff_key($reqparms,$parms);
    if (sizeof($missing)) {

      throw new Exception("Missing Parameters (" . join(", ",array_keys($missing)) . " )");

    }
    $product = $parms['product'];
    $subID = $parms['BillpayId'];
    $pmtID = $parms['Payment']['Id'];
    $soapHeader = createSoapHeader($parms);
    $soapMsgHdr = createSoapMsgRqHdr($parms);
    
    $soapString =  "<soapenv:Envelope xmlns:ns=\"http://jackhenry.com/jxchange/TPG/2008\" xmlns:oas=\"http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-wssecurity-secext-1.0.xsd\" xmlns:soapenv=\"http://schemas.xmlsoap.org/soap/envelope/\">";
    $soapString .= $soapHeader;
    $soapString .= "   <soapenv:Body>
    <ns:BilPaySchedPmtInq>";
    $soapString .= $soapMsgHdr;
    $soapString .= "<!--Optional:-->
    <ns:BilPayProd JHANull=\"?\">$product</ns:BilPayProd>
    <ns:SubId JHANull=\"true\">$subID</ns:SubId>
    <ns:PmtId JHANull=\"true\">$pmtID</ns:PmtId>
    <ns:ActIntent>Upd</ns:ActIntent>
    </ns:BilPaySchedPmtInq>
    </soapenv:Body>
    </soapenv:Envelope>";
    $soapHeaders = array();
    $soapHeaders[] = "Content-Type: text/xml; charset=utf-8";
    $soapHeaders[] = "SOAPAction: \"http://jackhenry.com/ws/BilPaySchedPmtInq\"";
    $response = jxembcurl($soapString, $soapHeaders, $parms['serviceurl'],'','','');
    
    if ( $parms["logging"] == "enabled" ) {
      $logParms = $parms["environment"];                      // get the environment info passed in
      $logParms["token"] = $parms['Token'];                      // the id used across all communications in session
      $now = time();
      $logParms["txnId"] = $now;                              // the id for this transaction
      $logParms["logPoint"] = "BilPaySchedPmtInq";                 // this action in a readable form
      $logParms["request"] = $soapString;                     // the request
      $logParms["reply"] = $response;                         // the response
      LogJXActivity( $logParms );
    }
    
    $xmlreturn = hcuGetJXXMLResponseAll ($response,'BilPaySchedPmtInqResponse',$parms['xmlnamespace'],$parms['xmlnamespaceresp']);
    if (!is_array($xmlreturn)) {
      throw new Exception("Scheduled Payment Inquiry Invalid XML Response");
    }
    if ($xmlreturn[status][response] != 'true') {
      throw new Exception("Scheduled Payment Inquiry Failed. {$xmlreturn['faultcode']}  {$xmlreturn['faultstring']}");
    }
    
    $return[data] = $xmlreturn[data];
    $return["status"]["response"]='true';
  }
  catch (Exception $e) {
    $return[status][response] = 'false';
    $return[status][message] = $e->getMessage();
    $return[status][line] = $e->getLine();
    $return[data] = array();
  }
  
  return $return;

}

function jxGetScheduled( $parms ) {
  try {
    
    $reqparms = array('InstitutionId'=>1,
                      'consumername' => 1,
                      'consumerproduct' => 1,
                      'institutionenvironment' => 1,
                      'xmlnamespace' => 1,
                      'username'=> 1,
                      'password'=>1,
                      'Token'=>1,
                      'product'=>1,
                      'BillpayId' => 1
                      );
    $missing = array_diff_key($reqparms,$parms);
    if (sizeof($missing)) {
      throw new Exception("Missing Parameters (" . join(", ",array_keys($missing)) . " )");
    }
    
    // see if the data is cached
    $cacheType = CACHE_KEY_PMTS;
    $cachedData = ReadCheckFreeCache( $parms["environment"]["dbConn"],
                                     $parms["environment"]["memberId"],
                                     $parms["BillpayId"],
                                     $parms["environment"]["Cu"],
                                     $cacheType,
                                     $parms["Token"] );
    
    
    if ( !is_array( $cachedData ) ) {
      $product = $parms['product'];
      $subID = $parms['BillpayId'];
      $soapHeader = createSoapHeader($parms);
      $soapMsgHdr = createSoapSearchMsgRqHdr($parms);
      
      $soapString =  "<soapenv:Envelope xmlns:ns=\"http://jackhenry.com/jxchange/TPG/2008\" xmlns:oas=\"http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-wssecurity-secext-1.0.xsd\" xmlns:soapenv=\"http://schemas.xmlsoap.org/soap/envelope/\">";
      $soapString .= $soapHeader;
      $soapString .= "   <soapenv:Body>
      <ns:BilPaySchedPmtSrch>";
      $soapString .= $soapMsgHdr;
      $soapString .= "<!--Optional:-->
      <ns:BilPayProd JHANull=\"?\">$product</ns:BilPayProd>
      <ns:SubId JHANull=\"true\">$subID</ns:SubId>
      </ns:BilPaySchedPmtSrch>
      </soapenv:Body>
      </soapenv:Envelope>";
      
      
      $soapHeaders = array();
      $soapHeaders[] = "Content-Type: text/xml; charset=utf-8";
      $soapHeaders[] = "SOAPAction: \"http://jackhenry.com/ws/BilPaySchedPmtSrch\"";
      $response = jxembcurl($soapString, $soapHeaders, $parms['serviceurl'],'','','');
      
      if ( $parms["logging"] == "enabled" ) {
        $logParms = $parms["environment"];                      // get the environment info passed in
        $logParms["token"] = $parms['Token'];                      // the id used across all communications in session
        $now = time();
        $logParms["txnId"] = $now;                              // the id for this transaction
        $logParms["logPoint"] = "GetScheduled";                 // this action in a readable form
        $logParms["request"] = $soapString;                     // the request
        $logParms["reply"] = $response;                         // the response
        LogJXActivity( $logParms );
      }
      
      $xmlreturn = hcuGetJXXMLResponse ($response,'BilPaySchedPmtSrchInfo',$parms['xmlnamespace'],$parms['xmlnamespaceresp']);
      if (!is_array($xmlreturn)) {
        throw new Exception("GetScheduled Invalid XML Response");
      }
      if ($xmlreturn[status][response] != 'true') {
        throw new Exception("Get Scheduled Failed. {$xmlreturn['faultcode']}  {$xmlreturn['faultstring']}");
      }
      
      WriteCheckFreeCache( $parms["environment"]["dbConn"],
                          $parms["environment"]["memberId"],
                          $parms["BillpayId"],
                          $parms["environment"]["Cu"],
                          $cacheType,
                          $parms["Token"],
                          $xmlreturn["data"]);
      
      $return[data] = $xmlreturn[data];
      $return["status"]["response"]='true';
    }
    else {
      $return[status][response] = 'true';
      $return[status][message] = 'Success';
      $return["data"] = $cachedData;
    }
  }
  catch (Exception $e) {
    $return[status][response] = 'false';
    $return[status][message] = $e->getMessage();
    $return[status][line] = $e->getLine();
    $return[data] = array();
  }
  
  return $return;
}

function jxStopPayment( $parms, $key ) {
  try {
    
    $reqparms = array('InstitutionId'=>1,
                      'consumername' => 1,
                      'consumerproduct' => 1,
                      'institutionenvironment' => 1,
                      'xmlnamespace' => 1,
                      'username'=> 1,
                      'password'=>1,
                      'Token'=>1,
                      'product'=>1,
                      'BillpayId' => 1
                      );
    $missing = array_diff_key($reqparms,$parms);
    if (sizeof($missing)) {
      throw new Exception("Missing Parameters (" . join(", ",array_keys($missing)) . " )");
    }
    $payID = $parms[Payment][Id];
    $product = $parms['product'];
    $subID = $parms['BillpayId'];
    $soapHeader = createSoapHeader($parms);
    $soapMsgHdr = createSoapMsgRqHdr($parms);
    
    $soapString =  "<soapenv:Envelope xmlns:ns=\"http://jackhenry.com/jxchange/TPG/2008\" xmlns:oas=\"http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-wssecurity-secext-1.0.xsd\" xmlns:soapenv=\"http://schemas.xmlsoap.org/soap/envelope/\">";
    $soapString .= $soapHeader;
    $soapString .= "   <soapenv:Body>
    <ns:BilPaySchedPmtMod>";
    $soapString .= $soapMsgHdr;
    $soapString .= "<!--Optional:-->
    <ns:BilPayProd JHANull=\"?\">$product</ns:BilPayProd>
    <ns:SubId JHANull=\"true\">$subID</ns:SubId>
    <ns:PmtId JHANull=\"?\">$payID</ns:PmtId>
    <ns:ActIntentKey>$key</ns:ActIntentKey>
    <ns:Dlt>True</ns:Dlt>
    </ns:BilPaySchedPmtMod>
    </soapenv:Body>
    </soapenv:Envelope>";
    
    
    $soapHeaders = array();
    $soapHeaders[] = "Content-Type: text/xml; charset=utf-8";
    $soapHeaders[] = "SOAPAction: \"http://jackhenry.com/ws/BilPaySchedPmtMod\"";
    $response = jxembcurl($soapString, $soapHeaders, $parms['serviceurl'],'','','');
    
    if ( $parms["logging"] == "enabled" ) {
      $logParms = $parms["environment"];                      // get the environment info passed in
      $logParms["token"] = $parms['Token'];                      // the id used across all communications in session
      $now = time();
      $logParms["txnId"] = $now;                              // the id for this transaction
      $logParms["logPoint"] = "StopPayment";                 // this action in a readable form
      $logParms["request"] = $soapString;                     // the request
      $logParms["reply"] = $response;                         // the response
      LogJXActivity( $logParms );
    }
    
    $xmlreturn = hcuGetJXXMLResponseAll ($response,'BilPaySchedPmtModResponse',$parms['xmlnamespace'],$parms['xmlnamespaceresp']);
    if (!is_array($xmlreturn)) {
      throw new Exception("Stop Payment Invalid XML Response");
    }
    if ($xmlreturn[status][response] != 'true') {
      throw new Exception("Stop Payment Failed. {$xmlreturn['faultcode']}  {$xmlreturn['faultstring']}");
    }
    
    $return[data] = $xmlreturn[data];
    $return["status"]["response"]='true';
    
    // remove any cached data
    $cacheType = CACHE_KEY_PMTS;
    DeleteCheckFreeCache( $parms["environment"]["dbConn"],
                         $parms["environment"]["memberId"],
                         $parms["BillpayId"],
                         $parms["environment"]["Cu"],
                         $cacheType,
                         $parms["Token"],
                         "" );
    
    // remove any cached data
    $cacheType = CACHE_KEY_HIST;
    DeleteCheckFreeCache( $parms["environment"]["dbConn"],
                         $parms["environment"]["memberId"],
                         $parms["BillpayId"],
                         $parms["environment"]["Cu"],
                         $cacheType,
                         $parms["Token"],
                         "" );
    
  }
  catch (Exception $e) {
    $return[status][response] = 'false';
    $return[status][message] = $e->getMessage();
    $return[status][line] = $e->getLine();
    $return[data] = array();
  }
  
  return $return;
}

function jxembcurl($soapString, $soapHeaders, $soapServer, $soapCertfile='', $soapKeyfile='', $soapCACert='') {
//        CURLOPT_SSL_VERIFYHOST => 0,
//        CURLOPT_VERBOSE => 1,
//        CURLOPT_STDERR => '/tmp/chkfreetrace',
//        CURLINFO_HEADER_OUT => 1,
  $useEmbedded = true;

  if ($useEmbedded) {
    $curlopts = array(
        CURLOPT_SSL_VERIFYPEER => 0,
        CURLOPT_RETURNTRANSFER => 1,
        CURLOPT_HEADER => 0,
        CURLOPT_POST => 1,
        CURLOPT_POSTFIELDS => "$soapString",
        CURLOPT_URL => "$soapServer");
    if (!empty($soapCertfile)) {
        $curlopts[CURLOPT_SSLCERT] = "$soapCertfile";
    }
    if (!empty($soapKeyfile)) {
        $curlopts[CURLOPT_SSLKEY] = "$soapKeyfile";
    }
    if (!empty($soapCACert)) {
        $curlopts[CURLOPT_CAINFO] = "$soapCACert";
    }

    $ch = @curl_init();
    @curl_setopt_array($ch, $curlopts);
    @curl_setopt($ch, CURLOPT_HTTPHEADER, $soapHeaders);  

    $response = @curl_exec($ch);
    

    if (curl_errno($ch)) {
        $response = '';
    }
    @curl_close($ch);
  } else {
    // * Call to Command-line curl command

    // * build the command line call
    // ** Data value
    $clData = "--data-binary '$soapString' ";

    // * *Build Headers
    if (is_array($soapHeaders)) {
      foreach ($soapHeaders as $hdrLine) {
        $clHeaders .= "-H '$hdrLine' ";
      }
    }
    // * Include Cert File
    if (!empty($soapCertfile)) {
        $clCert = "--cert '$soapCertfile' ";
    }
    // * Include Key File
    if (!empty($soapKeyfile)) {
        $clKey= "--key '$soapKeyfile' ";
    }
    // * Include CA File
    if (!empty($soapCACert)) {
        $clCA = "--cacert $soapCACert";
    }

    // ** Soap Action
    $clAction = "'$soapServer'";

    $curlExec = "/usr/bin/curl $clData $clHeaders $clCert $clKey $clCA $clAction";

    $clCurl = popen($curlExec, "r");
    $response = '';

    if (!$clCurl)  {
      $response = '';
    } else {
      while ($buff = fread ($clCurl, 1500)) {
        $response .= $buff;
      }
      $pipe_err = pclose($clCurl);
    }

  }
    return $response;
}


function hcuGetJXXMLResponseAll ($ipayXML,$ipayITEM, $jxSoapNS,$jxRespNS){
  try {
        $xml = simplexml_load_string($ipayXML,"SimpleXMLElement",LIBXML_NOWARNING);
        if (!is_object($xml)) {
            throw new Exception("Invalid XML");
        }
        $xml->registerXPathNamespace('jx', $jxSoapNS);
        $xml->registerXPathNamespace('item', $jxRespNS);
        //$dataobj = $xml->xpath("//jx:Body");
        $xpathquery = "jx:Body//item:" . $ipayITEM;
        //$dataobj = $xml->xpath("jx:Body//item:$ipayITEM");
        $dataobj = $xml->xpath($xpathquery);
        if (!is_array($dataobj)) {
            throw new Exception("xPath Failed");
        }
        $errorresponse = $xml->xpath("//jx:Fault");

        if (is_array($errorresponse) && count($errorresponse)) {
            $errordetail = $errorresponse[0]->detail->HdrFault->FaultRecInfoArray->FaultMsgRec;
              $fault = trim( $errordetail->ErrCode[0]);
            $faultString = trim( $errordetail->ErrDesc[0]);
            $resp_arr = array('faultcode' => $fault,
                              'faultstring' => $faultString);
            $resp_arr["status"]["response"] = 'false';
           $resp_arr["status"]["message"] = $faultString;
          throw new Exception($resp_arr['status']['message']);
        } else {
            $dataresponse = objectToArray($dataobj);
            if (!is_array($dataresponse)) {
                throw new Exception("objectToArray conversion Failed");
            }
            $resp_arr[status][response] = 'true';
            $resp_arr[status][message] = 'Success';
            //$resp_arr[data] = $dataresponse[0][$ipayITEM];
            $resp_arr[data] = $dataresponse[0];
        }
    } catch (Exception $e) {
        $resp_arr[status][response] = 'false';
        $resp_arr[status][message] = $e->getMessage();
        $resp_arr[status][line] = $e->getLine();
    }

    return $resp_arr;
}

function hcuGetJXXMLResponse ($ipayXML,$ipayITEM, $jxSoapNS,$jxRespNS){
  try {
    $xml = simplexml_load_string($ipayXML,"SimpleXMLElement",LIBXML_NOWARNING);
    if (!is_object($xml)) {
      throw new Exception("Invalid XML");
    }
    $xml->registerXPathNamespace('jx', $jxSoapNS);
    $xml->registerXPathNamespace('item', $jxRespNS);
    //$dataobj = $xml->xpath("//jx:Body");
    $xpathquery = "jx:Body//item:" . $ipayITEM;
    //$dataobj = $xml->xpath("jx:Body//item:$ipayITEM");
    $dataobj = $xml->xpath($xpathquery);
    if (!is_array($dataobj)) {
      throw new Exception("xPath Failed");
    }
    $errorresponse = $xml->xpath("//jx:Fault");
    
    if (is_array($errorresponse) && count($errorresponse)) {
      $errordetail = $errorresponse[0]->detail->HdrFault->FaultRecInfoArray->FaultMsgRec;
      $fault = trim( $errordetail->ErrCode[0]);
      $faultString = trim( $errordetail->ErrDesc[0]);
      $resp_arr = array('faultcode' => $fault,
                        'faultstring' => $faultString);
      $resp_arr["status"]["response"] = 'false';
      $resp_arr["status"]["message"] = $faultString;
      throw new Exception($resp_arr['status']['message']);
    } else {
      $dataresponse = objectToArray($dataobj);
      if (!is_array($dataresponse)) {
        throw new Exception("objectToArray conversion Failed");
      }
      $resp_arr[status][response] = 'true';
      $resp_arr[status][message] = 'Success';
      //$resp_arr[data] = $dataresponse[0][$ipayITEM];
      $resp_arr[data] = $dataresponse;
    }
  } catch (Exception $e) {
    $resp_arr[status][response] = 'false';
    $resp_arr[status][message] = $e->getMessage();
    $resp_arr[status][line] = $e->getLine();
  }
  
  return $resp_arr;
}
function objectToArray( $object )
    {
//        print "objectToArray called with " . print_r($object,true);
        if( !is_object( $object ) && !is_array( $object ) )
        {
            return $object;
        }
        if( is_object( $object ) )
        {
            $object = get_object_vars( $object );
        }
        return array_map( 'objectToArray', $object );
    }


// Read the cache value for a given list.
function ReadCheckFreeCache($dbh, $user, $subscriber, $cu, $cacheType, $session) {
  $sql = "SELECT session, entry, data
  FROM cu_vendorcache
  WHERE cu = '$cu'
  AND username = '$user'
  AND subscriber = '$subscriber'
  AND type = '$cacheType'";
  
  $rs = db_query( $sql, $dbh );

  // check for mulitple ebpntries in case some error caused multiple entries to exist
  $returnData = "";
  $row = 0;
  while ($cacheRow = db_fetch_array($rs, $row++)) {
    // if already have found data, remove any more
    if ( strlen( $returnData ) > 0 ) {
      DeleteCheckFreeCache($dbh, $user, $subscriber, $cu, $cacheType, $cacheRow["session"], $cacheRow["entry"]);
    } else if ( $cacheRow["session"] == $session ) {
      // valid session, return the data
      $returnData = $cacheRow["data"];
    } else {
      // invalid session, remove this entry
      DeleteCheckFreeCache($dbh, $user, $subscriber, $cu, $cacheType, $cacheRow["session"], "");
    }
  }
  
  $returnStructure = json_decode( $returnData, true );
  
  return $returnStructure;
} // end ReadCheckFreeCache

// Delete a given cache entry. This is how the cache is flagged as flushed.
// Use the $cacheType, $session, and/or $timestamp to refine how much cache to flush.
function DeleteCheckFreeCache($dbh, $user, $subscriber, $cu, $cacheType, $session, $timestamp) {
  $sql = "DELETE FROM cu_vendorcache
  WHERE cu = '$cu'
  AND username = '$user'
  AND subscriber = '$subscriber'";
  
  if ( strlen( $cacheType ) ) {
    $sql .= " AND type = '$cacheType'";
  }
  
  if ( strlen( $session ) ) {
    $sql .= " AND session = '$session'";
  }
  
  if ( strlen( $timestamp ) ) {
    $sql .= " AND entry = '$timestamp'";
  }
  db_query( $sql, $dbh );
} // end DeleteCheckFreeCache

// Write the cache value for a given list. Parameter 'data' is expected to be a structure.
function WriteCheckFreeCache($dbh, $user, $subscriber, $cu, $cacheType, $session, $data) {
  // we need every variable
  if ( !$dbh || !$user || !$subscriber || !$cu || !$cacheType || !$session || !$data ) {
    return;
  }
  
  try {
    // convert to a json object
    $jsonData = json_encode( $data );
  } catch ( Exception $e ) {
    $jsonData = "";
  }
  //print "Here in Write $jsonData";
  if ( strlen( $jsonData ) ) {
    $jsonData = pg_escape_string($jsonData);   // handle quoting, etc
    
    $sql = "INSERT INTO cu_vendorcache (cu, username, subscriber, session, type, data)
    VALUES ('$cu', '$user', '$subscriber', '$session', '$cacheType', '$jsonData' )";
    //print "About to write: $sql";
    $result = db_query( $sql, $dbh );
  }
} // end WriteCheckFreeCache

// Insert a log entry.
function LogJXActivity( $logData ) {
  // make sure entry isn't too long
  $logPoint = substr( $logData["logPoint"], 0, 35 );
  $sessionId = substr( $logData["token"], -20 );    // assuming lower characters are more significant
  $txnId = substr( $logData["txnId"], -20 );        // assuming lower characters are more significant
  $request = pg_escape_string(trim($logData["request"]));   // handle quoting, etc
  $reply = pg_escape_string(trim($logData["reply"]));   // handle quoting, etc
  
  
  // entry time is added automatically
  $sql = "INSERT INTO cu_vendorlog (cu, user_id, service, sub_service,
  session_id, txn_id, user_ip, request, response)
  VALUES ('{$logData["Cu"]}', '{$logData["memberId"]}', 'IPAYJX',
          '$logPoint', '$sessionId', '$txnId',
          '{$logData["userIP"]}', '$request', '$reply')";
  
  db_query($sql, $logData["dbConn"] );
  
}

function getGUID(){


        mt_srand((double)microtime()*10000);//optional for php 4.2.0 and up.
        $charid = strtoupper(md5(uniqid(rand(), true)));
        $hyphen = chr(45);// "-"
        $uuid = chr(123)// "{"
            .substr($charid, 0, 8).$hyphen
            .substr($charid, 8, 4).$hyphen
            .substr($charid,12, 4).$hyphen
            .substr($charid,16, 4).$hyphen
            .substr($charid,20,12)
            .chr(125);// "}"
        return $uuid;

}

?>