hcuACH.i

<?php
/*
 * File: hcuACH.i
 *
 * Purpose: Contains helper functions that are used with the ACH feature.  Can be called
 *          from the .prg or the .data files.
 *
 * Use: This script should be included at the top of every ACH script using require_once
 *
 * Standard format: Each function should return a FALSE if there is an error or non-successful
 *          operation or a structure with the desired return information.
 * Alternative format: Return a structure with a code = "000" for success, and a list of
 *          errors in an array.
 *
 * ACH Partner Types: '$'=Payroll, 'e'=Payee, 'r'=payor, ''=unassigned.
 * Philosophy: show the default for the function but allow user to see them all.
 *
 * NOTES:
 * 1. Terminology: ODFI is the Originating financial institution; RDFI is the Receiving financial
 *    institution. The Origin/Receiving is with respect to the money flow.
 * 2. The RDFI needs to know if it is a checking or savings account. This is told with a
 *    transaction code.
 * 3. The RDFI needs to know if the transaction is a credit or a debit. This is also told with
 *    a transaction code.
 * 4. The address information of the remote entity needs to be captured in case the remote
 *    entity needs to be tracked down.
 * 5. If any errors are used in multiple places append a unique number for better identification.
 * 6. The <cu>transhdr.transaction code  has specific meaning
 * - For internal transfers it is the code sent to the core
 * - For ACH transactions use for determining the Service Class Code and Standard Entry Class Codes:
 *    Service Class Code:
 *    1X = credit with respect to the RDFI
 *    2X = debit with respect to RDFI
 *    3X = mixed credit/debit with respect to RDFI
 *    Standard Entry Class Code
 *    X = P (PPD), C (CCD), W (WEB)
 *    PPD/CCD are for ACH feature; WEB is for External Transfer Collection feature (PPD is External Payment)
 *
 */
define( "ACH_PARTNER_TYPE_PAYEE", "e" );
define( "ACH_PARTNER_TYPE_PAYOR", "r" );
define( "ACH_PARTNER_TYPE_UNASSIGNED", "" );
define( "ACH_PARTNER_TYPE_PAYROLL", "$" );

define( "TEMPLATE_TYPE_PAYMENT", "P" );
define( "TEMPLATE_TYPE_COLLECTION", "C" );
define( "TEMPLATE_TYPE_PAYROLL", "$" );

// Check the menuing features to verify this feature is available to this credit union.
function Check_ACHEnabled( $pDbh, $pHBEnv ) {
  try {
  } catch (Exception $ex) {
    $logInfo = array( "message" => $ex->getMessage(), "code" => $ex->getCode() );
  }

  return true;
} // end Check_ACHEnabled

/**
 * Get the list of partners and types for the current user's group.
 *
 * @param array $pDbh             -- Current database handle
 * @param array $pHBEnv           -- Current server environment
 *
 * @return array                  -- An array with partner information
 */
function ACH_GetPartners( $pDbh, $pHBEnv ) {
  // initialize the return array
  $returnData = array( "code" => "000", "errors" => array(), "data" => array() );

  try {
    $SQL = "SELECT id, display_name, ach_name, partner_type, address, dfi_data, email_notify
            FROM {$pHBEnv["Cu"]}achpartner
            WHERE group_id = (SELECT group_id FROM {$pHBEnv["Cu"]}user WHERE user_id = {$pHBEnv["Uid"]})
            ORDER BY display_name";

    $rs = db_query( $SQL, $pDbh );

    // cycle through the rows
    $row = 0;
    $return = array();
    while ( $partnerRow = db_fetch_assoc( $rs, $row++ ) ) {
      // unassigneds get empty string
      $partnerRow["partner_type"] = trim( $partnerRow["partner_type"] );
      $partnerRow["address"] = HCU_JsonDecode( $partnerRow["address"] );
      $partnerRow["dfi_data"] = HCU_JsonDecode( $partnerRow["dfi_data"] );

      $return[] = $partnerRow;
    }

    $returnData["data"] = $return;
  } catch (Exception $ex) {
    $logInfo = array( "message" => $ex->getMessage(), "code" => $ex->getCode() );
    $returnData["code"] = "999";
  }

  return $returnData;
} // end ACH_GetPartners

/**
 * Return all the data for the specified ACH partner.
 *
 * @param array $pDbh             -- Current database handle
 * @param array $pHBEnv           -- Current server environment
 * @param array $pPartnerId       -- If moving money from internal account, or to internal account
 *
 * @return array                  -- An array with success code or error information
 */
function ACH_GetSinglePartner( $pDbh, $pHBEnv, $pPartnerId ) {
  // initialize the return array
  $returnData = array( "code" => "000", "errors" => array(), "data" => array() );

  try {
    $SQL = "SELECT * FROM {$pHBEnv["Cu"]}achpartner WHERE id = {$pPartnerId}";

    $rs = db_query( $SQL, $pDbh );

    $partnerRow = db_fetch_assoc( $rs, 0 );

    // expand any JSON data
    $addressData = HCU_JsonDecode( $partnerRow["address"], true );
    $dfiData = HCU_JsonDecode( $partnerRow["dfi_data"], true );

    // put the return data together
    $basicInfo = array();
    $basicInfo["id"] = $partnerRow["id"];
    $basicInfo["ach_name"] = $partnerRow["ach_name"];
    $basicInfo["display_name"] = $partnerRow["display_name"];
    $basicInfo["email_notify"] = $partnerRow["email_notify"] == 't' ? true : false;
    $basicInfo["partner_type"] = trim( $partnerRow["partner_type"] );

    $returnData["data"] = array_merge( $basicInfo, $addressData, $dfiData );

  } catch (Exception $ex) {
    $logInfo = array( "message" => $ex->getMessage(), "code" => $ex->getCode() );
    $returnData["code"] = "999";
  }


  return $returnData;
} // end ACH_GetSinglePartner

/**
 * Get the accounts that can be used for the given ACH operation.
 *
 * @param integer $pDbh           -- Current database handle
 * @param array $pHBEnv           -- Current HB_ENV values
 * @param object $pFromTo         -- "from" if wanting source accounts, "to" if destination accouts
 *
 * @return array                  -- An array with the correct accounts
 */
function ACH_GetAccounts( $pDbh, $pHBEnv, $pFromTo ) {
  // initialize the return array
  $returnData = array( "code" => "000", "errors" => array(), "data" => array() );

  try {
    $Fset = HCU_array_key_exists("Fset", $pHBEnv) ? intval($pHBEnv["Fset"]) : 0;
    $Fset2 = HCU_array_key_exists("Fset2", $pHBEnv) ? intval($pHBEnv["Fset2"]) : 0;

    // must setup an order by to match the TX_list function
    // this way the list will match the profile descriptions
    // screen and any other screens on banking.

    // since this is a union, loannumber and accounttype are
    // displayed in the accounttype column. we will use a case
    // statement in the sql to determine which way to trim accounttype.
    $orderBy = "";
    $orderBy .= "recordtype, display_order,";
    $orderBy .= " CASE recordtype";
    if ($Fset & GetFlagsetValue('CU_SORTORDER4')) {
      $orderBy .= " WHEN 'D' THEN btrim(accounttype, 'DIS')";
    } else {
      $orderBy .= " WHEN 'D' THEN accounttype";
    }

    $orderBy .= " END,";
    $orderBy .= " certnumber";

    if ( $pFromTo === "withdrawl" ) {
      // get the deposit accounts can take from and loans that can be added onto
      $SQL = "
        SELECT * FROM (
          SELECT u.accountnumber, u.accounttype, u.certnumber, recordtype, display_name, display_order, view_balances, description, available AS balance
          FROM {$pHBEnv["Cu"]}useraccounts u
          INNER JOIN {$pHBEnv["Cu"]}accountbalance a ON a.accountnumber = u.accountnumber
            AND a.accounttype = u.accounttype
            AND a.certnumber = u.certnumber
            AND a.may_withdraw = 't'
          WHERE u.user_id = {$pHBEnv["Uid"]}
            AND u.ext_withdraw = 't'
            AND u.recordtype = 'D'
        ) accts ORDER BY $orderBy";
    } else if ( $pFromTo === "deposit" ) {
      // get the deposit accounts can deposit into and loans that can have payments made into
      $SQL = "
        SELECT * FROM (
          SELECT u.accountnumber, u.accounttype, u.certnumber, recordtype, display_name, display_order, view_balances, description, available AS balance
          FROM {$pHBEnv["Cu"]}useraccounts u
          INNER JOIN {$pHBEnv["Cu"]}accountbalance a ON a.accountnumber = u.accountnumber
            AND a.accounttype = u.accounttype
            AND a.certnumber = u.certnumber
            AND a.may_deposit = 't'
          WHERE u.user_id = {$pHBEnv["Uid"]}
            AND u.ext_deposit = 't'
            AND u.recordtype = 'D'
        ) accts ORDER BY $orderBy";
    } else {
      throw new Exception( "Invalid operation" );
    }

    $rs = db_query( $SQL, $pDbh );

    // cycle through the rows
    $row = 0;
    $return = array();
    while ( $accountRow = db_fetch_array( $rs, $row++ ) ) {
      // Overloaded accounts should not be allowed for ach commercial
      // due to the fact that the referenced account may not actually
      // exist.

      // Check for the overloaded accounttype, skip this account.
      $isOverloadedAry = explode("@", $accountRow['accounttype']);
      $isOverloaded = count($isOverloadedAry) > 1;

      if ($isOverloaded) {
        continue;
      }

      // Account not overlaoded, add to list.
      $coreDescription = trim( $accountRow["description"] );
      if ( strlen( trim( $accountRow["accounttype"] ) ) > 0 ) {
        $coreDescription .= " - " . $accountRow["accounttype"];
      }

      // only save the ones allowed to use
      $accountNumber = trim( $accountRow["accountnumber"] );
      $accountType = trim( $accountRow["accounttype"] );
      $certNumber = trim( $accountRow["certnumber"] );
      $acctId = "{$accountRow["recordtype"]}|{$accountNumber}|{$accountType}|{$certNumber}";
      $acctIdEncrypted = hcu_encrypturl( $acctId, $pHBEnv['historyHash'] );
      $balanceStr = $accountRow["view_balances"] == 't' ? "$" . $accountRow["balance"] : "N/A";
      $saveRow = array( "account" => $accountNumber,
                        "account_name" => getAccountDescription($pDbh, $pHBEnv["Cu"], $accountRow["accountnumber"], $accountRow["description"], $accountRow["accounttype"],
                          $accountRow["display_name"], $pHBEnv["Fset3"], $certNumber, false),
                        "acctid" => $acctIdEncrypted,
                        "amount" => $balanceStr );

      $return[] = $saveRow;
    }

    $returnData["data"] = $return;
  } catch (Exception $ex) {
    $logInfo = array( "message" => $ex->getMessage(), "code" => $ex->getCode() );
    $returnData["code"] = "999";
  }

  return $returnData;
} // end ACH_GetAccounts


/**
 * Check the inputs for valid data. Note that some inputs are optional and not checked
 * because the inputs were sanitized.
 *
 * @param array $pInputVars       -- Current database handle
 *
 * @return array                  -- An array with success code or error information
 */
function ACH_ValidateInputs( $pHBEnv, $pDbh, $pInputVars, $pMC ) {
  // initialize the return array
  $aryReturnErrors = array();
  $retACHValidate = array( "code" => "000", "errors" => array(), "data" => array() );

  // check required inputs common to all ACH operations
  if ( trim( $pInputVars["internal_acct"] ) == "" ) {
    $aryReturnErrors[] = $pMC->msg("ACH Validation Local Account") . " 1029";
  }

  if ( trim( $pInputVars["internal_sub_acct"] ) == "" ) {
    $aryReturnErrors[] = $pMC->msg("ACH Validation Local Account") . " 1016";
  }

  // test the sub account string - should have three or four parts
  $acctIdDecrypted = hcu_decrypturl( $pInputVars["internal_sub_acct"], $pHBEnv['historyHash'] );
  $accountParts = explode( "|", $acctIdDecrypted ); // eg "D|1103|10|0

  // get account information
  $localAccount = TX_list($pHBEnv['dbh'], $pHBEnv, $acctIdDecrypted);

  if ( count( $accountParts ) < 3 || count( $accountParts ) > 4 ) {
    $aryReturnErrors[] = $pMC->msg("ACH Validation Local Account") . " 1017";
  }

  if ( trim( $pInputVars["eff_date"] ) == "" ) {
    $aryReturnErrors[] = $pMC->msg("ACH Validation Eff Date Missing") . " 1030";
  } else {
    $timeTest = strtotime($pInputVars["eff_date"]);
    if ( !intval( $timeTest ) ) {
      $aryReturnErrors[] = $pMC->msg("ACH Validation Eff Date") . " 1031";
    } else {
      $today = strtotime( date( "m/d/Y" ) );
      if ( $timeTest < $today ) {
        $aryReturnErrors[] = $pMC->msg("ACH Validation Eff Date Today") . " 1032";
      }
    }
  }

  if ( !(strtoupper( trim( $pInputVars["ach_type"] ) ) === "PPD" ||
         strtoupper( trim( $pInputVars["ach_type"] ) ) === "CCD") ) {
    $aryReturnErrors[] = $pMC->msg("ACH Validation ACH Type") . " 1033";
  }

  // check inputs specific to an operation
  if ( $pInputVars["action"] == "submit_payment" ||
       $pInputVars["action"] == "submit_collection" ) {
    // NOTE: Partner id may not exist if the partner is being added as part of the ACH transaction

    // can only check if name exists because we don't know if being saved or not
    $achName = trim( $pInputVars["ach_name"] ) == "" ? $pInputVars["display_name"] : $pInputVars["ach_name"];
    if ( strlen( trim( $achName ) ) == 0 ) {
      $aryReturnErrors[] = $pMC->msg("ACH Validation Name", HCU_DISPLAY_AS_HTML) . " 1043";
    }

    if ( trim( $pInputVars["dfi_routing"] ) == "" ||
         !ctype_digit( trim( $pInputVars["dfi_routing"] ) ) ||
         strlen( trim( $pInputVars["dfi_routing"] ) ) != 9 ) {
      $aryReturnErrors[] = $pMC->msg("ACH Validation DFI Routing") . " 1034";
    }

    if ( trim( $pInputVars["dfi_account"] ) == "" ) {
      $aryReturnErrors[] = $pMC->msg("ACH Validation DFI Account") . " 1035";
    }

    if ( !(trim( $pInputVars["dfi_account_type"] ) == ACCOUNT_TYPE_CHECKING ||
           trim( $pInputVars["dfi_account_type"] ) == ACCOUNT_TYPE_SAVINGS )) {
      $aryReturnErrors[] = $pMC->msg("ACH Validation DFI Type") . " 1036";
    }

    if ( trim( $pInputVars["amount"] ) == "" || $pInputVars["amount"] == 0) {
      $aryReturnErrors[] = $pMC->msg("ACH Validation Amount") . " 1037";
    }

    // if submitting a payment transaction, must check available
    // funds for the selected sub account. Only make this check
    // for non-scheduled.
    $scheduled = $pInputVars['frequency'] !== "OneTime";
    if (!$scheduled && $pInputVars["action"] == "submit_payment") {

      if ($localAccount["acctlist"]["balance"] < $pInputVars["amount"]) {
        $aryReturnErrors[] = $pMC->msg("Transfer exceeds") . " 1050";
      }
    }

  } else if ( $pInputVars["action"] == "submit_batch_payment" ||
              $pInputVars["action"] == "submit_batch_collection" ) {
    if ( trim( $pInputVars["template_id"] ) == "" || intval( trim( $pInputVars["template_id"] ) ) == 0 ) {
      $aryReturnErrors[] = $pMC->msg("ACH Validation Template") . " 1038";
    }

    // validate the batch data - each id should have an amount and optionally the addenda and notify
    $batchData = html_entity_decode( trim( $pInputVars["batch_data"], ENT_QUOTES ) );

    if ( !strlen( $batchData ) ) {
      $aryReturnErrors[] = $pMC->msg("ACH Validation Batch Data Missing") . " 1039";
    } else {
      $batchInfo = HCU_JsonDecode( $batchData, true );

      if ( !count( $batchInfo ) ) {
        $aryReturnErrors[] = $pMC->msg("ACH Validation Batch Data Invalid") . " 1040";
      } else {
        $batchPartnerTotal = 0;
        for ( $i = 0; $i < count( $batchInfo ); $i++ ) {
          // name is already in the partner list so only checking if there is an id and amount
          $batchPartnerId = $batchInfo[$i]["id"];
          $batchPartnerAmount = $batchInfo[$i]["amount"];
          $batchPartnerTotal += $batchPartnerAmount;

          if ( !is_int( $batchPartnerId ) && !( $batchPartnerId > 0 ) ) {
            $aryReturnErrors[] = $pMC->msg("ACH Validation Batch PartnerId") . " 1041";
            // stop looking
            break;
          }

          if ( !is_numeric( $batchPartnerAmount ) && !( $batchPartnerAmount > 0 ) ) {
            $aryReturnErrors[] = $pMC->msg("ACH Validation Batch Partner Amount") . " 1042";
            // stop looking
            break;
          }
        }

        // payments canot exceed available funds
        if ( $pInputVars["action"] == "submit_batch_payment" ) {
          if ( $localAccount["acctlist"]["balance"] < $batchPartnerTotal ) {
            $aryReturnErrors[] = $pMC->msg("Transfer exceeds") . " 1051";
          }
        }
      }
    }
  }

  if ( count( $aryReturnErrors ) > 0 ) {
    // * validation errors occurred
    $retACHValidate['code'] = '999';
    $retACHValidate["errors"] = $aryReturnErrors;
  }

  return $retACHValidate;
} // end ACH_ValidateInputs

/**
 * Validate the address information that is used with ACH Partners. Provide valid
 * values for any missing or incorrect information. These should have already passed
 * any sanitization.
 *
 * @param array $pInputVars       -- Sanitized address from the client
 *
 * @return array                  -- An array with validated info
 */
function privValidateAddress( $pHBEnv, $pInputVars ) {
  // initialize the return array
  $pOutputVars = array( "address1" => "",
                        "address2" => "",
                        "city" => "",
                        "state" => "",
                        "zip" => "",
                        "country" => "",
                        "email" => "" );
  try {
    // test each part
    $address = $pInputVars["address1"];
    if ( !$address ) {
      $address = "";
    }
    $pOutputVars["address1"] = $address;

    $address2 = $pInputVars["address2"];
    if ( !$address2 ) {
      $address2 = "";
    }
    $pOutputVars["address2"] = $address2;

    $city = $pInputVars["city"];
    if ( !$city ) {
      $city = "";
    }
    $pOutputVars["city"] = $city;

    $state = $pInputVars["state"];
    if ( !$state ) {
      $state = "";
    }
    $pOutputVars["state"] = $state;

    $zip = $pInputVars["zip"];
    if ( !$zip ) {
      $zip = "";
    }
    $pOutputVars["zip"] = $zip;

    $country = $pInputVars["country"];
    if ( !$country ) {
      $country = "";
    }
    $pOutputVars["country"] = $country;

    $email = filter_var($pInputVars["email"], FILTER_VALIDATE_EMAIL);
    if ( $email === false ) {
      $email = "";
    }
    $pOutputVars["email"] = $email;

  } catch (Exception $ex) {
    // just return the defaults
  }

  return $pOutputVars;
} // privValidateAddress

/**
 * Validate the display name that is used with ACH Partners. This should have already passed
 * any sanitization. Display name should be unique.
 *
 * @param array $pInputVars       -- Sanitized address from the client
 *
 * @return string                 -- An error string if there is one
 */
function privValidateName( $pDbh, $pHBEnv, $pInputVars, $pMC ) {
  // initialize the return string
  $retString = "";

  try {
        // name is only added during a single payment or collection
    if ( trim( $pInputVars["display_name"] ) == "" ) {
      throw new Exception( $pMC->msg("ACH Validation Name", HCU_DISPLAY_AS_HTML) . " 1022" );
    }

    // validate the display name is unique (should be sanitized)
    // put in the form it is saved
    $displayName = prep_save( html_entity_decode( trim( $pInputVars["display_name"] ), ENT_QUOTES ) );
    $sql = "SELECT id FROM {$pHBEnv["Cu"]}achpartner WHERE display_name = '{$displayName}'";
    $rs = db_query( $sql, $pDbh );

    $row = 0;
    $partnerIdList = array();
    while ( $partnerRow = db_fetch_assoc( $rs, $row++ ) ) {
      // unassigneds get empty string
      $partnerIdList[] = $partnerRow["id"];
    }

    // if found one it better be this one
    if ( (count( $partnerIdList ) > 1) ||
         (count( $partnerIdList ) == 1 && intval( $pInputVars["partner_id"] ) == 0) ) {
      throw new Exception( $pMC->msg("ACH Validation Unique Display Name", HCU_DISPLAY_AS_HTML) . " 1009" );
    } else if ( count( $partnerIdList ) == 1 ) {
      // case where user is changing a name
      if ( $partnerIdList[0] != $pInputVars["partner_id"] ) {
        throw new Exception( $pMC->msg("ACH Validation Unique Display Name", HCU_DISPLAY_AS_HTML) . " 1010" );
      }
    } // if none found then it is unique


  } catch (Exception $ex) {
    // just return the error message
    $retString = $ex->getMessage();
  }

  return $retString;
} // privValidateName

/**
 * Determine the transaction code based on the operation and PPD vs CCD.
 *
 * @param string $pFeatureCode
 * @param string $pACHType
 *
 * @return string $transCode
 */
function ACH_GetTransCode( $pFeatureCode, $pACHType ) {
    $achType = strtoupper( $pACHType );
    if ( $pFeatureCode == constant( "FEATURE_ACH_PAYMENTS" ) ) {
      // this is a Credit to the RDFI
      $transCode = ( $achType == "PPD" ? "1P" : ( $achType == "CCD" ? "1C" : "1X" ) );
    } else {
      // this is a Debit to the RDFI
      $transCode = ( $achType == "PPD" ? "2P" : ( $achType == "CCD" ? "2C" : "2X" ) );
    }

    return $transCode;
} // ACH_GetTransCode

/**
 * Submit an ACH payment by adding the entry to the table.
 *
 * @param array $pDbh             -- Current database handle
 * @param array $pHBEnv           -- Current server environment
 * @param array $pInputVars       -- Validated data from the client
 *
 * @return array                  -- An array with success code or error information
 */
function ACH_Submit( $pDbh, $pHBEnv, $pInputVars, $pMC ) {
  // initialize the return array
  $returnData = array( "code" => "000", "errors" => array(), "data" => array() );

  $achFeatureCode = $pInputVars["action"] === "submit_payment" ? constant( "FEATURE_ACH_PAYMENTS" ) : constant( "FEATURE_ACH_COLLECTIONS" );

  try {
    // gather any information we need

    // start a transaction
    $sql = "BEGIN TRANSACTION";
    $achRs = db_query( $sql, $pDbh );

    $acctIdDecrypted = hcu_decrypturl( $pInputVars["internal_sub_acct"], $pHBEnv['historyHash'] );
    $accountParts = explode( "|", $acctIdDecrypted ); // eg "D|1103|10|0
    $account = $accountParts[1];
    $accountType = $accountParts[2];

    // get the effective date
    $effDateTime = strtotime( $pInputVars["eff_date"] );
    $nowDateTime = strtotime( date( "Y/m/d" ) );

    if ( $effDateTime === false ||
         $effDateTime < $nowDateTime ) {
      $effDateTime = time();
    }

    $effDate = date( "Y-m-d", $effDateTime );

    // same as the deposit type in <cu>useraccounts, so get to right account table
    $depositType = $accountParts[0];

    // for ACH transactions the $transactionCode is determined by the feature code and type of ach transaction
    $transactionCode = ACH_GetTransCode( $achFeatureCode, $pInputVars["ach_type"] );

    $memo = prep_save( html_entity_decode( trim( $pInputVars["memo"] ), ENT_QUOTES ) );

    // see if need approval
    if ( $pInputVars["needs_confirmation"] ) {
      $approvedBy = "NULL";
      $approvedDate = "NULL";
      $approvedStatus = "NULL";
    } else {
      $approvedBy = $pHBEnv["Uid"];
      $approvedDate = "now()";
      $approvedStatus = "10";
    }

    // Setup transaction metadata.
    // Single or Recurring transaction, and the current interval. In this case
    // the record is non-recurring.
    $transMeta = array();
    $transMeta["source"] = "immed";
    $transMeta["recurr"] = "no";
    $transMeta["interval"] = 0;
    $jsonTransMeta = HCU_JsonEncode($transMeta);
    $jsonTransMeta = prep_save($jsonTransMeta);

    // set up the query for the transaction header
    $sql = "INSERT INTO {$pHBEnv["Cu"]}transhdr (feature_code, effective_date,
                 posted_by, posted_date, approved_by, approved_date, approved_status,
                 accountnumber, transactioncode, memo, transmeta)
               VALUES ('{$achFeatureCode}', '{$effDate}',
                 {$pHBEnv["Uid"]}, now(), $approvedBy, $approvedDate, $approvedStatus,
                 '{$account}', '$transactionCode', '$memo', '{$jsonTransMeta}' )
               RETURNING id, posted_date, approved_date";

    $hdrRs = db_query( $sql, $pDbh );

    if ( !$hdrRs ) {
      throw new Exception( $pMC->msg("ACH Query Error", HCU_DISPLAY_AS_HTML) . " 1001" );
    }

    // use the insert id from the header in the detail
    list($headerId, $postedDate, $approvedDate) = db_fetch_array($hdrRs, 0);

    if ( !$headerId ) {
      throw new Exception( $pMC->msg("ACH Query Error", HCU_DISPLAY_AS_HTML) . " 1002" );
    }

    // set up the actual ach data
    $achName = trim( $pInputVars["ach_name"] ) == "" ? $pInputVars["display_name"] : $pInputVars["ach_name"];
    $achName = prep_save(hcu_displayHtml( preg_replace( "/[\`\;]/", "", $achName ) ) );

    // here, we are only interested that there is a name; uniqueness is checked elsewhere, earlier, if name is being saved
    if ( strlen( $achName ) == 0 ) {
      throw new Exception( $pMC->msg("ACH Validation Name", HCU_DISPLAY_AS_HTML) . " 1019" );
    }

    $addressVars = privValidateAddress( $pHBEnv, $pInputVars );

    // sanity check to make sure email notification is set up and there wasn't an incorrect email
    if ( strlen( $pInputVars["email"] ) > 0 && !strlen( $addressVars["email"] ) ) {
      throw new Exception( $pMC->msg("Email appears invalid", HCU_DISPLAY_AS_RAW) . " 1023" );
    } else if ( isset( $pInputVars['email_notify'] ) && $pInputVars['email_notify'] == 1 && !strlen( $addressVars["email"] ) ) {
      throw new Exception( $pMC->msg("EMail Missing", HCU_DISPLAY_AS_RAW) . " 1020" );
    }


    // "rdfi" is the receving dfi
    // NOTE: currently (03/17/17) all the detail is either credit or debit
    $rdfiTransCode = ( $achFeatureCode == constant( "FEATURE_ACH_PAYMENTS" ) ? "CR" : "DB" );
    $achData = array( "rdfi" => array( "rdfi_routing" => $pInputVars["dfi_routing"],
                                      "rdfi_account" => $pInputVars["dfi_account"],
                                      "rdfi_account_type" => $pInputVars["dfi_account_type"],
                                      "rdfi_txn_type" => $rdfiTransCode,
                                      "addenda" => prep_save( html_entity_decode( $pInputVars["addenda"], ENT_QUOTES ) ) ),
                      "remote_entity" => array( "name" => $achName,
                                                "address1" => prep_save( html_entity_decode( $pInputVars["address1"], ENT_QUOTES ) ),
                                                "address2" => prep_save( html_entity_decode( $pInputVars["address2"], ENT_QUOTES ) ),
                                                "email" => $pInputVars["email"] ) );

    // set up the "from" and "to" info
    if ( $achFeatureCode == constant( "FEATURE_ACH_PAYMENTS" ) ) {
        // local to remote
        $sourceAccountInfo = $acctIdDecrypted;
        $sourceAccountKey = array(
          "accountnumber"=>$accountParts[1],
          "recordtype"=>$accountParts[0]
        );
        if ($sourceAccountKey['recordtype'] == "D") {
          $sourceAccountKey['accounttype'] = $accountParts[2];
          $sourceAccountKey['certnumber'] = $accountParts[3];
        } else if ($sourceAccountKey['recordtype'] == "L") {
          $sourceAccountKey['loannumber'] = $accountParts[2];
        }

        $destAccountInfo = $achData;
        $destAccountKey = array();
    } else {
        // remote to local
        $sourceAccountInfo = $achData;
        $sourceAccountKey = array();

        $destAccountInfo = $acctIdDecrypted;
        $destAccountKey = array(
          "accountnumber"=>$accountParts[1],
          "recordtype"=>$accountParts[0]
        );
        if ($destAccountKey['recordtype'] == "D") {
          $destAccountKey['accounttype'] = $accountParts[2];
          $destAccountKey['certnumber'] = $accountParts[3];
        } else if ($destAccountKey['recordtype'] == "L") {
          $destAccountKey['loannumber'] = $accountParts[2];
        }
    }

    // set up the transfer data (matching how TRNEXT saves info)
    $transData = array( "acct_source" => $sourceAccountInfo, "acct_dest" => $destAccountInfo, "source_key"=>$sourceAccountKey, "dest_key"=>$destAccountKey );

    $jsonTransData = HCU_JsonEncode( $transData );
    $jsonTransDataWithMeta = AddAccountMetaData($pHBEnv, $achFeatureCode, $transactionCode, $jsonTransData);

    // need to get amount back into currency form
    $amount = $pInputVars['amount'];
    $emailNotify = isset( $pInputVars['email_notify'] ) ? intval($pInputVars['email_notify']) : 0;

    // use the partner id for now
    $referenceId = isset( $pInputVars['partner_id'] ) && intval( $pInputVars["partner_id"] ) > 0 ? intval( $pInputVars['partner_id'] ) : 0;

    // add the transaction detail
    // reference_id is a quasi-foreigh key to either the ach partner, external accounts, or wire partner table
    $sql = "INSERT INTO {$pHBEnv["Cu"]}transdtl (transhdr_id, reference_id, amount, email_notify, transdata)
               VALUES ($headerId, $referenceId, $amount, '$emailNotify', '$jsonTransDataWithMeta')";

    $dtlRs = db_query( $sql, $pDbh );

    if ( !$dtlRs ) {
      throw new Exception( $pMC->msg("ACH Query Error", HCU_DISPLAY_AS_HTML) . " 1003" );
    }

    // commit the transaction
    $sql = "COMMIT TRANSACTION";
    $achRs = db_query( $sql, $pDbh );

    // return success
    // return confirmation code
    // build a confirmation code (so don't need to read the database)
    $confCodeBuilder["id"] = $headerId;
    if ($pInputVars["needs_confirmation"]) {
      $confCodeBuilder["posted_by"] = $pHBEnv["Uid"];
      $confCodeBuilder["posted_date"] = $postedDate;
      $confirmationCode = GetTransferConfirmCode( $pHBEnv, "post", $confCodeBuilder );
    } else {
      $confCodeBuilder["approved_by"] = $pHBEnv["Uid"];
      $confCodeBuilder["approved_date"] = $approvedDate;
      $confirmationCode = GetTransferConfirmCode( $pHBEnv, "approve", $confCodeBuilder );
    }

    // Return data to display
    $myDateTime = new DateTime( $postedDate );
    $myDateTime->setTimezone(new DateTimeZone($pHBEnv["tz"]));
    $displayDate = $myDateTime->format("m/d/Y g:ia");
    $returnData['data']['data_date'] = $displayDate;
    $returnData['data']['data_amount'] = $amount;
    $returnData['data']['data_confirm'] = $confirmationCode;

    $companyData = ACH_GetCompanyData($pHBEnv);
    $returnData['data']['data_company'] = $companyData['group_name'];

    $returnData['data']['data_action'] = (
      $achFeatureCode == constant( "FEATURE_ACH_PAYMENTS" ) ?
      $pMC->msg('ACH Payment Title', HCU_DISPLAY_AS_RAW) :
      $pMC->msg('ACH Collection Title', HCU_DISPLAY_AS_RAW)
    );

    // Must grab account description and display_name
    // to build correct account description.
    $acctDesc = (
      $achFeatureCode == constant( "FEATURE_ACH_PAYMENTS" ) ?
      GetMemberDescription($pDbh, $pHBEnv['Cu'], $pHBEnv['Uid'], $sourceAccountKey) :
      GetMemberDescription($pDbh, $pHBEnv['Cu'], $pHBEnv['Uid'], $destAccountKey)
    );
    $returnData['data']['data_account'] = getAccountDescription(
      $pDbh, $pHBEnv["Cu"],
      $accountParts[1],
      $acctDesc['description'],
      $accountParts[2],
      $acctDesc["display_name"],
      $pHBEnv["Fset3"], $accountParts[3], false
    );

  } catch (Exception $ex) {
    // capture the exception
    $message = $ex->getMessage();
    $code = $ex->getCode();

    // roll back the transaction
    $sql = "ROLLBACK TRANSACTION";
    db_query( $sql, $pDbh );

    $logInfo = array( "message" => $message, "code" => $code );
    $returnData["code"] = "999";
    $returnData["errors"][] = $message;
  }

  return $returnData;

} // end ACH_Submit

/**
 * Submit an ACH payment by adding the entry to the table.
 *
 * @param array $pDbh             -- Current database handle
 * @param array $pHBEnv           -- Current server environment
 * @param array $pInputVars       -- Validated data from the client
 * @param array $pBatchInfo       -- Validated batch information
 *
 * @return array                  -- An array with success code or error information
 */
function ACH_SubmitBatch( $pDbh, $pHBEnv, $pInputVars, $pBatchInfo, $pMC ) {
  // initialize the return array
  $returnData = array( "code" => "000", "errors" => array(), "data" => array() );

  if ( $pInputVars["action"] === "submit_payment" ||
       $pInputVars["action"] === "submit_batch_payment" ) {
    $achFeatureCode = constant( "FEATURE_ACH_PAYMENTS" );
  } else {
    $achFeatureCode = constant( "FEATURE_ACH_COLLECTIONS" );
  }

  try {
    // gather any information we need

    // start a transaction
    $sql = "BEGIN TRANSACTION";
    $achRs = db_query( $sql, $pDbh );

    // get the template for later update
    $sql = "SELECT tmpl_meta
            FROM {$pHBEnv["Cu"]}achtemplate
            WHERE tmpl_id = {$pInputVars['template_id']}";

    $rs = db_query( $sql, $pDbh );

    // get the template information
    $templateRow = db_fetch_assoc( $rs, 0 );

    // expand the meta information
    $currentMetaInfo = HCU_JsonDecode( $templateRow["tmpl_meta"], true );

    // start processing the batch
    $acctIdDecrypted = hcu_decrypturl( $pInputVars["internal_sub_acct"], $pHBEnv['historyHash'] );
    $accountParts = explode( "|", $acctIdDecrypted ); // eg "D|1103|10|0
    $account = $accountParts[1];

    // build source_key and dest_key values
    // for the transdtl.transdata records
    $accountKey = array(
      "accountnumber" => $accountParts[1],
      "recordtype" => $accountParts[0],
      "accounttype" => $accountParts[2],
      "certnumber" => $accountParts[3]
    );

    // get the effective date
    $effDateTime = strtotime( $pInputVars["eff_date"] );
    $nowDateTime = strtotime( date( "Y/m/d" ) );

    if ( $effDateTime === false ||
         $effDateTime < $nowDateTime ) {
      $effDateTime = time();
    }

    $effDate = date( "Y-m-d", $effDateTime );

    // same as the deposit type in <cu>useraccounts, so get to right account table
    $depositType = $accountParts[0];

    // for ACH transactions the $transactionCode is determined by the feature code and type of ach transaction
    $transactionCode = ACH_GetTransCode( $achFeatureCode, $pInputVars["ach_type"] );

    $memo = prep_save( html_entity_decode( trim( $pInputVars["memo"] ), ENT_QUOTES ) );

    // see if need approval
    if ( $pInputVars["needs_confirmation"] ) {
      $approvedBy = "NULL";
      $approvedDate = "NULL";
      $approvedStatus = "NULL";
    } else {
      $approvedBy = $pHBEnv["Uid"];
      $approvedDate = "now()";
      $approvedStatus = "10";
    }

    // Setup transaction metadata.
    // Single or Recurring transaction, and the current interval. In this case
    // the record is non-recurring.
    $transMeta = array();
    $transMeta["source"] = "immed";
    $transMeta["recurr"] = "no";
    $transMeta["interval"] = 0;
    $jsonTransMeta = HCU_JsonEncode($transMeta);
    $jsonTransMeta = prep_save($jsonTransMeta);

    // set up the query for the transaction header
    $sql = "INSERT INTO {$pHBEnv["Cu"]}transhdr (feature_code, effective_date,
                 posted_by, posted_date, approved_by, approved_date, approved_status,
                 accountnumber, transactioncode, memo, transmeta)
               VALUES ('{$achFeatureCode}', '{$effDate}',
                 {$pHBEnv["Uid"]}, now(), $approvedBy, $approvedDate, $approvedStatus, '{$account}',
                 '$transactionCode', '{$memo}', '{$jsonTransMeta}' )
               RETURNING id, posted_date, approved_date";

    $hdrRs = db_query( $sql, $pDbh );

    if ( !$hdrRs ) {
      throw new Exception( $pMC->msg("ACH Query Error", HCU_DISPLAY_AS_HTML) . " 1004" );
    }

    // use the insert id from the header in the detail
    list($headerId, $postedDate, $approvedDate) = db_fetch_array($hdrRs, 0);

    if ( !$headerId ) {
      throw new Exception( $pMC->msg("ACH Query Error", HCU_DISPLAY_AS_HTML) . " 1005" );
    }

    // set up each batch transaction
    $totalAmount = 0;
    for ( $i = 0; $i < count( $pBatchInfo ); $i++ ) {
      // get the partner id
      $partnerId = $pBatchInfo[$i]["id"];

      // get the financial information
      $sql = "SELECT * FROM {$pHBEnv["Cu"]}achpartner WHERE id = {$partnerId}";

      $rs = db_query( $sql, $pDbh );

      $partnerRow = db_fetch_assoc( $rs, 0 );

      // set up the actual ach data
      $achName = trim( $partnerRow["ach_name"] ) == "" ? $partnerRow["display_name"] : $partnerRow["ach_name"];
      $achName = prep_save(hcu_displayHtml( preg_replace( "/[\`\;]/", "", $achName ) ) );

      // expand any JSON data
      $dfiData = HCU_JsonDecode( $partnerRow["dfi_data"], true );
      $addressData = HCU_JsonDecode( $partnerRow["address"], true );

      // sanity check to make sure email notification is set up and there is an email
      if ( isset( $pBatchInfo[$i]['notify'] ) && $pBatchInfo[$i]['notify'] == 1 && !strlen( $addressData["email"] ) ) {
        throw new Exception( $pMC->msg("Please specify email address", HCU_DISPLAY_AS_RAW) . " 1021" );
      }

      // get the address lines
      $address1 = isset( $pInputVars["address1"] ) ? trim( $pInputVars["address1"] ) : "";
      $address2 = isset( $pInputVars["address2"] ) ? trim( $pInputVars["address2"] ) : "";

      // "rdfi" is the receving dfi
      // NOTE: currently (03/17/17) all the detail is either credit or debit
      $rdfiTransCode = ( $achFeatureCode == constant( "FEATURE_ACH_PAYMENTS" ) ? "CR" : "DB" );
      // addenda is the only thing coming from the client
      $achData = array( "rdfi" => array( "rdfi_routing" => $dfiData["dfi_routing"],
                                        "rdfi_account" => $dfiData["dfi_account"],
                                        "rdfi_account_type" => $dfiData["dfi_account_type"],
                                        "rdfi_txn_type" => $rdfiTransCode,
                                        "addenda" => $pBatchInfo[$i]["addenda"] ),
                        "remote_entity" => array( "name" => $achName,
                                                  "address1" => prep_save( html_entity_decode( $address1, ENT_QUOTES ) ),
                                                  "address2" => prep_save( html_entity_decode( $address2, ENT_QUOTES ) ),
                                                  "email" => $addressData["email"] ) );

      // set up the "from" and "to" info
      if ( $achFeatureCode == constant( "FEATURE_ACH_PAYMENTS" ) ) {
          // local to remote
          $sourceAccountInfo = $acctIdDecrypted;
          $destAccountInfo = $achData;

          // local account is source
          // destination is empty
          $sourceKey = $accountKey;
          $destKey = array();
      } else {
          // remote to local
          $sourceAccountInfo = $achData;
          $destAccountInfo = $acctIdDecrypted;

          // local account is destination
          // source key is empty
          $sourceKey = array();
          $destKey = $accountKey;
      }

      // set up the transfer data (matching how TRNEXT saves info)
      $transData = array( "acct_source" => $sourceAccountInfo, "acct_dest" => $destAccountInfo, "source_key" => $sourceKey, "dest_key" => $destKey );

      $jsonTransData = HCU_JsonEncode( $transData );
      $jsonTransDataWithMeta = AddAccountMetaData($pHBEnv, $achFeatureCode, $transactionCode, $jsonTransData);

      $amount = floatval( $pBatchInfo[$i]['amount'] );
      $totalAmount += $amount;
      $emailNotify = isset( $pBatchInfo[$i]['notify'] ) ? intval($pBatchInfo[$i]['notify']) : 0;

      // use the ach partner id as the reference
      $referenceId = $partnerRow['id'];

      // add the transaction detail
      // reference_id is a quasi-foreigh key to either the ach partner, external accounts, or wire partner table
      $sql = "INSERT INTO {$pHBEnv["Cu"]}transdtl (transhdr_id, reference_id, amount, email_notify, transdata)
                 VALUES ($headerId, $referenceId, $amount, '$emailNotify', '$jsonTransDataWithMeta')";

      $dtlRs = db_query( $sql, $pDbh );

      if ( !$dtlRs ) {
        throw new Exception( $pMC->msg("ACH Query Error", HCU_DISPLAY_AS_HTML) . " 1006" );
      }
    }

    // get the current time
    $myDateTime = new DateTime();
    $myDateTime->setTimezone(new DateTimeZone( $pHBEnv["tz"] ));
    $formattedTime = $myDateTime->format("m/d/y g:ia T");

    // update the template meta data
    $currentMetaInfo["type"] = $pInputVars["ach_type"];
    $currentMetaInfo["last_proc"] = $formattedTime;
    $templateMeta = HCU_JsonEncode( $currentMetaInfo );

    if ( !$templateMeta ) {
      throw new Exception( $pMC->msg("ACH Error Encoding", HCU_DISPLAY_AS_HTML) . " 1045" );
    }

    $SQL = "UPDATE {$pHBEnv["Cu"]}achtemplate SET tmpl_meta = '$templateMeta' WHERE tmpl_id = {$pInputVars['template_id']}";
    $rs = db_query( $SQL, $pDbh );

    // commit the transaction
    $sql = "COMMIT TRANSACTION";
    $achRs = db_query( $sql, $pDbh );

    // return success
    // return confirmation code
    // build a confirmation code (so don't need to read the database)
    $confCodeBuilder["id"] = $headerId;
    if ($pInputVars["needs_confirmation"]) {
      $confCodeBuilder["posted_by"] = $pHBEnv["Uid"];
      $confCodeBuilder["posted_date"] = $postedDate;
      $confirmationCode = GetTransferConfirmCode( $pHBEnv, "post", $confCodeBuilder );
    } else {
      $confCodeBuilder["approved_by"] = $pHBEnv["Uid"];
      $confCodeBuilder["approved_date"] = $approvedDate;
      $confirmationCode = GetTransferConfirmCode( $pHBEnv, "approve", $confCodeBuilder );
    }

    // Return data to display
    $myDateTime = new DateTime( $postedDate );
    $myDateTime->setTimezone(new DateTimeZone($pHBEnv["tz"]));
    $displayDate = $myDateTime->format("m/d/Y g:ia");
    $returnData['data']['data_date'] = $displayDate;
    $returnData['data']['data_amount'] = $totalAmount;
    $returnData['data']['data_confirm'] = $confirmationCode;

    $companyData = ACH_GetCompanyData($pHBEnv);
    $returnData['data']['data_company'] = $companyData['group_name'];

    $returnData['data']['data_action'] = (
      $achFeatureCode == constant( "FEATURE_ACH_PAYMENTS" ) ?
      $pMC->msg('ACH Payment Title', HCU_DISPLAY_AS_RAW) :
      $pMC->msg('ACH Collection Title', HCU_DISPLAY_AS_RAW)
    );

    // Must grab account description and display_name
    // to build correct account description.
    $acctDesc = GetMemberDescription($pDbh, $pHBEnv['Cu'], $pHBEnv['Uid'], $accountKey);
    $returnData['data']['data_account'] = getAccountDescription(
      $pDbh, $pHBEnv["Cu"],
      $accountParts[1],
      $acctDesc['description'],
      $accountParts[2],
      $acctDesc["display_name"],
      $pHBEnv["Fset3"], $accountParts[3], false
    );

  } catch (Exception $ex) {
    // capture the exception
    $message = $ex->getMessage();
    $code = $ex->getCode();

    // roll back the transaction
    $sql = "ROLLBACK TRANSACTION";
    db_query( $sql, $pDbh );

    $logInfo = array( "message" => $message, "code" => $code );
    $returnData["code"] = "999";
    $returnData["errors"][] = $message;
  }

  return $returnData;

} // end ACH_SubmitBatch

/**
 * Update ACH partner information.
 * If it is a new partner and there is a template, add the partner to the template
 *
 * @param array $pDbh             -- Current database handle
 * @param array $pHBEnv           -- Current server environment
 * @param array $pInputVars       -- Validated data from the client
 *
 * @return array                  -- An array with success code or error information
 */
function ACH_UpdatePartner( $pDbh, $pHBEnv, $pInputVars, $pMC ) {
  // initialize the return array
  $returnData = array( "code" => "000", "errors" => array(), "data" => array() );

  try {
    // use what the user sent, or blank for unassigned
    $partnerType = "";

    if ( $pInputVars["partner_type"] === "e" ) {
      // payee
      $partnerType = "e";
    } else if ( $pInputVars["partner_type"] === "r" ) {
      // payor
      $partnerType = "r";
    } else if ( $pInputVars["partner_type"] === "$" ) {
      // payroll
      $partnerType = "$";
    }

    $return = privValidateName( $pDbh, $pHBEnv, $pInputVars, $pMC );
    if ( strlen( $return ) > 0 ) {
      throw new Exception( $return );
    }

    $addressVars = privValidateAddress( $pHBEnv, $pInputVars );

    // sanity check to make sure email notification is set up and there wasn't an incorrect email
    if ( strlen( $pInputVars["email"] ) > 0 && !strlen( $addressVars["email"] ) ) {
      throw new Exception( $pMC->msg("Email appears invalid", HCU_DISPLAY_AS_RAW) . " 1023" );
    } else if ( isset( $pInputVars['email_notify'] ) && $pInputVars['email_notify'] == 1 && !strlen( $addressVars["email"] ) ) {
      throw new Exception( $pMC->msg("EMail Missing", HCU_DISPLAY_AS_RAW) . " 1025" );
    }

    // build the address json
    $address = array( "address1" => prep_save( html_entity_decode( $addressVars["address1"], ENT_QUOTES ) ),
                      "address2" => prep_save( html_entity_decode( $addressVars["address2"], ENT_QUOTES ) ),
                      "city" => prep_save( html_entity_decode( $addressVars["city"], ENT_QUOTES ) ),
                      "state" => $addressVars["state"],
                      "zip" => $addressVars["zip"],
                      "country" => $addressVars["country"],
                      "email" => $addressVars["email"] );
    $jsonAddress = HCU_JsonEncode( $address );

    // build the DFI json
    // NOTE: don't care about the rdfi_txn_type since that is added when the txn is added to transdtl.
    $dfi = array( "dfi_routing" => $pInputVars["dfi_routing"],
                  "dfi_account" => $pInputVars["dfi_account"],
                  "dfi_account_type" => $pInputVars["dfi_account_type"] );
    $jsonDFI = HCU_JsonEncode( $dfi );

    // figure out the email notify flag
    $emailNotify = isset( $pInputVars['email_notify'] ) && $pInputVars['email_notify'] == 1 ? "true" : "false";

    $achName = prep_save( trim( html_entity_decode( $pInputVars["ach_name"], ENT_QUOTES ) ) );

    $displayName = prep_save( trim( html_entity_decode( $pInputVars["display_name"], ENT_QUOTES ) ) );

    if ( $achName == "" ) $achName = $displayName;

    // see if updating or adding the ach partner
    if ( $pInputVars["partner_id"] > 0 ) {
      $SQL = "UPDATE {$pHBEnv["Cu"]}achpartner
              SET partner_type = '{$partnerType}',
                  ach_name = '{$achName}',
                  display_name = '{$displayName}',
                  email_notify = $emailNotify,
                  address = '$jsonAddress',
                  dfi_data = '$jsonDFI'
              WHERE id = {$pInputVars["partner_id"]}";
    } else {
      $SQL = "INSERT INTO {$pHBEnv["Cu"]}achpartner (group_id, partner_type, ach_name,
                display_name, email_notify, address, dfi_data)
              VALUES ( (SELECT group_id FROM {$pHBEnv["Cu"]}user WHERE user_id = {$pHBEnv["Uid"]}),
                '{$pInputVars["partner_type"]}', '{$pInputVars["ach_name"]}', '{$displayName}',
                '$emailNotify', '$jsonAddress', '$jsonDFI' )
              RETURNING id";
    }

    $achRs = db_query( $SQL, $pDbh );

    if ( !$achRs ) {
      throw new Exception( $pMC->msg("ACH Query Error", HCU_DISPLAY_AS_HTML) . " 1007" );
    }

    // if working with a template, need to add a new partner to the template
    if ( $pInputVars["partner_id"] == 0 &&
         isset( $pInputVars["template_id"] ) &&
         intval( $pInputVars["template_id"] ) > 0 ) {
      // get the new partner id
      list($partnerId) = db_fetch_array($achRs, 0);

      // add to the template
      $result = ACH_AddPartnerToTemplate( $pDbh, $pHBEnv, $pInputVars["template_id"], $partnerId, $pMC );
      if ($result['code'] != '000') {
        throw new Exception( $pMC->msg("ACH Query Error", HCU_DISPLAY_AS_HTML) . " 1008" );
      }
    } else if ( $pInputVars["partner_id"] == 0 ) {
      list($partnerId) = db_fetch_array($achRs, 0);
    } else {
      $partnerId = $pInputVars["partner_id"];
    }

    // return the partner id
    $return["partner_id"] = $partnerId;

    $returnData["data"] = $return;

    // return success

  } catch (Exception $ex) {
    // capture the exception
    $message = $ex->getMessage();
    $code = $ex->getCode();

    $logInfo = array( "message" => $message, "code" => $code );
    $returnData["code"] = "999";
    $returnData["errors"][] = $message;
  }

  return $returnData;
} // end ACH_UpdatePartner


/**
 * Delete ACH partner information.
 * If it is a new partner and there is a template, add the partner to the template
 *
 * @param array $pDbh             -- Current database handle
 * @param array $pHBEnv           -- Current server environment
 * @param array $pInputVars       -- Validated data from the client
 *
 * @return array                  -- An array with success code or error information
 */
function ACH_DeletePartner( $pDbh, $pHBEnv, $pInputVars, $pMC ) {
  // initialize the return array
  $returnData = array( "code" => "000", "errors" => array(), "data" => array() );

  try {

    // check if partner is part of any batch templates.
    // do not allow delete if partner is part of any tempaltes.
    $sql = "
      SELECT * FROM (
        SELECT json_array_elements(tmpl_partner::json) AS partners
        FROM scrubcuachtemplate) AS partners
      WHERE partners::json->>'partner'='{$pInputVars["partner_id"]}'";
    $sqlRs = db_query($sql, $pDbh);
    if (!$sqlRs) {
      throw new Exception( $pMC->msg("ACH Query Error", HCU_DISPLAY_AS_HTML) . " 1049" );
    }
    $tmplData = db_fetch_all($sqlRs);

    // if not templates use this partner. continue with delete
    if (!empty($tmplData) && count($tmplData) > 0) {
      throw new Exception($pMC->msg("ACH Error Delete Partner TE", HCU_DISPLAY_AS_HTML));
    }

    // check if partner is associated in any ach scheduled transcations
    // if any scheduled trasactions are found,do not allow delete.
    $sql = "
      SELECT * FROM cu_scheduledtxn WHERE txn_data::json->'txn'->>'from'='{$pInputVars["partner_id"]}'
      UNION
      SELECT * FROM cu_scheduledtxn WHERE txn_data::json->'txn'->>'to'='{$pInputVars["partner_id"]}'";
    $txnRs = db_query( $sql, $pDbh );
    if ( !$txnRs ) {
      throw new Exception( $pMC->msg("ACH Error Delete Partner SE", HCU_DISPLAY_AS_HTML));
    }
    $txnData = db_fetch_all($txnRs);

    // if no scheduled transactions are found, continue with delete.
    // else throw error to user.
    if (!empty($txnData) && count($txnData) > 0) {
      throw new Exception($pMC->msg("ACH Error Delete Partner SE", HCU_DISPLAY_AS_HTML));
    }

    $achSql = "
      DELETE FROM {$pHBEnv["Cu"]}achpartner
      WHERE id = {$pInputVars["partner_id"]}";
    $achSqlRs = db_query( $achSql, $pDbh );
    if ( !$achSql ) {
      throw new Exception( $pMC->msg("ACH Query Error", HCU_DISPLAY_AS_HTML) . " 1044" );
    }

    $returnData['data'] = $pInputVars['partner_id'];
  } catch ( Exception $ex ) {
    // capture the exception
    $message = $ex->getMessage();
    $code = $ex->getCode();

    $logInfo = array( "message" => $message, "code" => $code );
    $returnData["code"] = "999";
    $returnData["errors"][] = $message;
  }

  return $returnData;
}

/**
 * Gather the necessary templates - ach partners, internal accounts for payments/collections.
 *
 * @param array $pDbh             -- Current database handle
 * @param array $pHBEnv           -- Current server environment
 * @param array $pAction           -- To know which set of templates
 *
 * @return array                  -- An array with success code or error information
 */
function ACH_GetTemplates( $pDbh, $pHBEnv, $pAction, $pMC ) {
  // initialize the return array
  $returnData = array( "code" => "000", "errors" => array(), "data" => array() );

  try {
    $SQL = "SELECT at.*
            FROM {$pHBEnv["Cu"]}user u
            INNER JOIN {$pHBEnv["Cu"]}achtemplate at ON at.group_id = u.group_id
            WHERE u.user_id = {$pHBEnv["Uid"]}
            ORDER BY tmpl_name";

    $rs = db_query( $SQL, $pDbh );

    // cycle through the rows
    $row = 0;
    $return = array();
    while ( $templateRow = db_fetch_assoc( $rs, $row++ ) ) {
      // break out the ACH Type (ppd vs ccd, or blank)
      $tmplMeta = HCU_JsonDecode( $templateRow["tmpl_meta"], true );
      $achType = $tmplMeta["type"];

      $templateRow["ach_type"] = $achType;

      // unassigneds get empty string
      $return[] = $templateRow;
    }

    $returnData["data"] = $return;
  } catch (Exception $ex) {
    $logInfo = array( "message" => $ex->getMessage(), "code" => $ex->getCode() );
    $returnData["code"] = "999";
    $returnData["errors"] = $pMC->msg("ACH Error Reading Templates", HCU_DISPLAY_AS_HTML) . " 1026";
  }

  return $returnData;
} // end ACH_GetTemplates


/**
 * Gather the partner information for the given template - name, address, account.
 *
 * @param array $pDbh             -- Current database handle
 * @param array $pHBEnv           -- Current server environment
 * @param array $pTemplateId      -- If moving money from internal account, or to internal account
 *
 * @return array                  -- An array with success code or error information
 */
function ACH_GetTemplatePartners( $pDbh, $pHBEnv, $pTemplateId, $pMC ) {
  // initialize the return array
  $returnData = array( "code" => "000", "errors" => array(), "data" => array() );

  try {
    $SQL = "SELECT tmpl_partner
            FROM {$pHBEnv["Cu"]}achtemplate
            WHERE tmpl_id = $pTemplateId";

    $rs = db_query( $SQL, $pDbh );

    // get the partner information
    $templateRow = db_fetch_assoc( $rs, 0 );

    // expand the partner info
    $partnerInfo = HCU_JsonDecode( $templateRow["tmpl_partner"], true );

    $return = array();
    if ( count( $partnerInfo ) > 0 ) {
      // cycle through the rows to create a list of ids
      $idList = array();
      for ( $i = 0; $i < count( $partnerInfo ); $i++ ) {
        $idList[] = $partnerInfo[$i]["partner"];
      }

      $idString = implode( ",", $idList );
      $SQL = "SELECT *
              FROM {$pHBEnv["Cu"]}achpartner
              WHERE id IN ($idString)
              ORDER BY display_name ";

      $rs = db_query( $SQL, $pDbh );

      $row = 0;
      while ( $partnerRow = db_fetch_assoc( $rs, $row++ ) ) {
        // unassigneds get empty string
        $partnerRow["partner_type"] = trim( $partnerRow["partner_type"] );
        // return boolean true
        // add the saved template information
        $partnerRow["last_amount"] = 0;
        $partnerRow["last_addenda"] = "";

        for ( $pi = 0; $pi < count( $partnerInfo ); $pi++ ) {
          if ( $partnerInfo[$pi]["partner"] == $partnerRow["id"] ) {
            $partnerRow["last_amount"] = $partnerInfo[$pi]["amount"];
            $partnerRow["last_addenda"] = $partnerInfo[$pi]["addenda"];
            // note: the "notify" comes from the ach partner info since it is kept up to date there

            break;
          }
        }

        $return[] = $partnerRow;
      }
    }

    $returnData["data"] = $return;
  } catch (Exception $ex) {
    $logInfo = array( "message" => $ex->getMessage(), "code" => $ex->getCode() );
    $returnData["code"] = "999";
    $returnData["errors"] = $pMC->msg("ACH Error Reading Template Partners", HCU_DISPLAY_AS_HTML) . " 1027";
  }

  return $returnData;
} // end ACH_GetTemplatePartners

/**
 * Add the partner to the template list. Use defaults for amounts, addenda, etc.
 *
 * @param array $pDbh             -- Current database handle
 * @param array $pHBEnv           -- Current server environment
 * @param array $pTemplateId      -- ID of template
 * @param array $pPartnerId       -- ID of partner
 *
 * @return array                  -- An array with success code or error information
 */
function ACH_AddPartnerToTemplate( $pDbh, $pHBEnv, $pTemplateId, $pPartnerId, $pMC ) {
  // initialize the return array
  $returnData = array( "code" => "000", "errors" => array(), "data" => array() );

  try {
    // get the partner information for the template
    $SQL = "SELECT email_notify, dfi_data
            FROM {$pHBEnv["Cu"]}achpartner
            WHERE id = $pPartnerId";

    $rs = db_query( $SQL, $pDbh );

    // get the partner information
    $partnerData = db_fetch_assoc( $rs, 0 );

    // expand the partner info
    $partnerDFI = HCU_JsonDecode( $partnerData["dfi_data"], true );

    $defaultAddenda = isset( $partnerDFI["addenda"] ) && strlen( $partnerDFI["addenda"] ) > 0 ? html_entity_decode( $partnerDFI["addenda"], ENT_QUOTES ) : "";
    $defaultEmailNotify = $partnerData["email_notify"] == "t" ? true : false;

    $SQL = "SELECT tmpl_partner, tmpl_meta
            FROM {$pHBEnv["Cu"]}achtemplate
            WHERE tmpl_id = $pTemplateId";

    $rs = db_query( $SQL, $pDbh );

    // get the template information
    $templateRow = db_fetch_assoc( $rs, 0 );

    // expand the partner info
    $partnerInfo = HCU_JsonDecode( $templateRow["tmpl_partner"], true );

    // add the partner
    $partnerInfo[] = array( "partner" => $pPartnerId,
                            "notify" => $defaultEmailNotify,
                            "amount" => "0.00",
                            "addenda" => prep_save( $defaultAddenda ) );

    // update the template partner list
    $templatePartners = HCU_JsonEncode( $partnerInfo );

    // get the current time
    $myDateTime = new DateTime();
    $myDateTime->setTimezone(new DateTimeZone( $pHBEnv["tz"] ));
    $formattedTime = $myDateTime->format("m/d/y g:ia T");

    // update the meta data
    $metaInfo = HCU_JsonDecode( $templateRow["tmpl_meta"], true );
    $metaInfo["count"] = count( $partnerInfo );
    $metaInfo["last_edit"] = $formattedTime;

    $templateMeta = HCU_JsonEncode( $metaInfo );

// Debugging error - need to add "!" back in front of $templateMeta
    if ( !$templatePartners || !$templateMeta ) {
      throw new Exception( $pMC->msg("ACH Error Encoding", HCU_DISPLAY_AS_HTML) . " 1013" );
    }

    $SQL = "UPDATE {$pHBEnv["Cu"]}achtemplate SET
              tmpl_partner = '$templatePartners',
              tmpl_meta = '$templateMeta'
              WHERE tmpl_id = $pTemplateId";
    $rs = db_query( $SQL, $pDbh );

    // return success
  } catch (Exception $ex) {
    $message = $ex->getMessage();
    $logInfo = array( "message" => $message, "code" => $ex->getCode() );
    if ( trim( $message ) == "" ) {
      $message = $pMC->msg("ACH Error Adding Template Partner", HCU_DISPLAY_AS_HTML) . " 1028";
    }

    $returnData["code"] = "999";
    $returnData["errors"] = $message;
  }

  return $returnData;
} // end ACH_AddPartnerToTemplate

/**
 * Add the partner to the template list. Use defaults for amounts, addenda, etc.
 *
 * @param array $pDbh             -- Current database handle
 * @param array $pHBEnv           -- Current server environment
 * @param array $pInputVars       -- Un-validated data from the client
 *
 * @return array                  -- An array with success code or error information
 */
function ACH_UpdateTemplate( $pDbh, $pHBEnv, $pInputVars, $pMC ) {
  // initialize the return array
  $returnData = array( "code" => "000", "errors" => array(), "data" => array() );

  try {
    // common value
    $templateId = intval( $pInputVars["template_id"] );

    if ( $templateId == 0 ) {
      throw new Exception( $pMC->msg("ACH Validation Template", HCU_DISPLAY_AS_HTML) . " 1011" );
    }

    // determine the operation
    if ( $pInputVars["action"] === "update_template" ) {
      // sanitize the inputs
      $templateName = prep_save( html_entity_decode( $pInputVars["template_name"], ENT_QUOTES ) );

      if ( $templateId == -1 ) {
        // get the current time
        $myDateTime = new DateTime();
        $myDateTime->setTimezone(new DateTimeZone( $pHBEnv["tz"] ));
        $formattedTime = $myDateTime->format("m/d/y g:ia T");


        $defaultMeta = HCU_JsonEncode( array( "type" => "",
                                           "total" => "",
                                           "last_proc" => "",
                                           "last_edit" => $formattedTime,
                                           "count" => "0" ) );
        $defaultPartner = "[]";

        // NOTE: for now, tmpl_type is P(ayment) or C(ollection), but all templates are shown on either screen so it could change.
        $SQL = "INSERT INTO {$pHBEnv["Cu"]}achtemplate
                              ( tmpl_name, group_id, tmpl_type, tmpl_meta, tmpl_partner )
                       VALUES ( '$templateName', (SELECT group_id FROM {$pHBEnv["Cu"]}user WHERE user_id = {$pHBEnv["Uid"]}), '', '{$defaultMeta}', '{$defaultPartner}' )";
      } else {
        $SQL = "UPDATE {$pHBEnv["Cu"]}achtemplate SET tmpl_name = '$templateName' WHERE tmpl_id = $templateId";
      }
    } else if ( $pInputVars["action"] === "delete_template" ) {
      $SQL = "DELETE FROM {$pHBEnv["Cu"]}achtemplate WHERE tmpl_id = $templateId";
    }

    $rs = db_query( $SQL, $pDbh );
    if ( !$rs ) {
      throw new Exception( $pMC->msg("ACH Query Error", HCU_DISPLAY_AS_HTML) . " 1018" );
    }


    // return success
  } catch (Exception $ex) {
    $logInfo = array( "message" => $ex->getMessage(), "code" => $ex->getCode() );
    $returnData["code"] = "999";
    $returnData["errors"] = $ex->getMessage();
  }

  return $returnData;
} // end ACH_UpdateTemplate

/**
 * Remove the partner from the template list.
 *
 * @param array $pDbh             -- Current database handle
 * @param array $pHBEnv           -- Current server environment
 * @param array $pTemplateId      -- ID of template
 * @param array $pPartnerId       -- ID of partner
 *
 * @return array                  -- An array with success code or error information
 */
function ACH_RemovePartnerFromTemplate( $pDbh, $pHBEnv, $pTemplateId, $pPartnerId, $pMC ) {
  // initialize the return array
  $returnData = array( "code" => "000", "errors" => array(), "data" => array() );

  try {
    if ( $pTemplateId == 0 ) {
      throw new Exception( $pMC->msg("ACH Validation Template", HCU_DISPLAY_AS_HTML) . " 1012" );
    }

    $SQL = "SELECT tmpl_partner, tmpl_meta
            FROM {$pHBEnv["Cu"]}achtemplate
            WHERE tmpl_id = $pTemplateId";

    $rs = db_query( $SQL, $pDbh );

    // get the template information
    $templateRow = db_fetch_assoc( $rs, 0 );

    // expand the partner info
    $partnerInfo = HCU_JsonDecode( $templateRow["tmpl_partner"], true );

    // find the partner (check through whole array in case of accidental duplicate)
    $found = false;
    $newPartnerList = array();
    for ( $i = 0; $i < count( $partnerInfo ); $i++ ) {
      if ( $partnerInfo[$i]["partner"] == $pPartnerId ) {
        $found = true;
      } else {
        $newPartnerList[] = $partnerInfo[$i];
      }
    }

    if ( $found ) {
      // update the template partner list
      $templatePartners = HCU_JsonEncode( $newPartnerList );

      // get the current time
      $myDateTime = new DateTime();
      $myDateTime->setTimezone(new DateTimeZone( $pHBEnv["tz"] ));
      $formattedTime = $myDateTime->format("m/d/y g:ia T");

      // update the meta data
      $metaInfo = HCU_JsonDecode( $templateRow["tmpl_meta"], true );
      $metaInfo["count"] = count( $newPartnerList );
      $metaInfo["last_edit"] = $formattedTime;

      $templateMeta = HCU_JsonEncode( $metaInfo );

// Debugging error - need to add "!" back in front of $templateMeta
      if ( !$templatePartners || !$templateMeta ) {
        throw new Exception( $pMC->msg("ACH Error Encoding", HCU_DISPLAY_AS_HTML) . " 1014", 1014 );
      }

      $SQL = "UPDATE {$pHBEnv["Cu"]}achtemplate SET
                tmpl_partner = '$templatePartners',
                tmpl_meta = '$templateMeta'
              WHERE tmpl_id = $pTemplateId";
      $rs = db_query( $SQL, $pDbh );
    }

    // return success
  } catch (Exception $ex) {
    $message = $ex->getMessage();
    $logInfo = array( "message" => $ex->getMessage(), "code" => $ex->getCode() );
    $returnData["code"] = "999";
    $returnData["errors"] = $message;
  }

  return $returnData;
} // end ACH_RemovePartnerFromTemplate

/**
 * Update the partners in the template list. This is used to update the template partner
 *  information after an ACH batch submission;  It will replace the template information.
 *
 * NOTE: also update the batch total to match the amounts.
 *
 * @param array $pDbh             -- Current database handle
 * @param array $pHBEnv           -- Current server environment
 * @param array $pTemplateId      -- ID of template
 * @param array $pPartnerInfo     -- The partner information
 * @param array $pMC              -- The dictionary
 *
 * @return array                  -- An array with success code or error information
 */
function ACH_UpdateTemplatePartners( $pDbh, $pHBEnv, $pTemplateId, $pPartnerInfo, $pMC ) {
  // initialize the return array
  $returnData = array( "code" => "000", "errors" => array(), "data" => array() );

  try {
    $SQL = "SELECT tmpl_meta
            FROM {$pHBEnv["Cu"]}achtemplate
            WHERE tmpl_id = $pTemplateId";

    $rs = db_query( $SQL, $pDbh );

    // get the template information
    $templateRow = db_fetch_assoc( $rs, 0 );

    // initialize the partner info
    $currentPartnerInfo = array();

    // expand the meta information
    $currentMetaInfo = HCU_JsonDecode( $templateRow["tmpl_meta"], true );

    // total up the amounts
    $batchTotal = 0;

    for ( $p = 0; $p < count( $pPartnerInfo ); $p++ ) {
      $partnerToAdd = array ( "partner" => $pPartnerInfo[$p]["id"],
                                              "notify" => ($pPartnerInfo[$p]["notify"] ? "1" : "0"),
                                              "amount" => $pPartnerInfo[$p]["amount"],
                                              "addenda" => $pPartnerInfo[$p]["addenda"]
                                            );

      $currentPartnerInfo[] = $partnerToAdd;

      // add this partner amount (data should be sanitized by now)
      $batchTotal += $pPartnerInfo[$p]["amount"];
    }

    // update the template meta data and partner list
    $templatePartners = HCU_JsonEncode( $currentPartnerInfo );

    if ( !$templatePartners ) {
      throw new Exception( $pMC->msg("ACH Error Encoding", HCU_DISPLAY_AS_HTML) . " 1015", 1015 );
    }

    $currentMetaInfo["count"] = count( $currentPartnerInfo );
    $currentMetaInfo["total"] = $batchTotal;
    $templateMeta = HCU_JsonEncode( $currentMetaInfo );

    if ( !$templateMeta ) {
      throw new Exception( $pMC->msg("ACH Error Encoding", HCU_DISPLAY_AS_HTML) . " 1046", 1046 );
    }

    $SQL = "UPDATE {$pHBEnv["Cu"]}achtemplate SET tmpl_partner = '$templatePartners', tmpl_meta = '$templateMeta' WHERE tmpl_id = $pTemplateId";
    $rs = db_query( $SQL, $pDbh );

    // return success
  } catch (Exception $ex) {
    $message = $ex->getMessage();
    $logInfo = array( "message" => $message, "code" => $ex->getCode() );
    $returnData["code"] = "999";
    $returnData["errors"] = $message;
  }

  return $returnData;
} // end ACH_UpdateTemplatePartners


/**
 * Process the given CSV file. Look for a partner match based on name. Make three
 *  resulting lists: "found" for the partners found, "not_found" for when a csv name wasn't
 *  found in the partner list, and "missed" for any partners in the template that weren't in the CSV file.
 *
 * @param array $pHBEnv           -- Current server environment
 * @param array $pTemplateId     -- ID of template
 * @param array $pCSV               -- an array with the CSV file lines
 * @param array $pMC                 -- The dictionary
 *
 * @return array                  -- An array with success code and lists, or error information
 */
function ACH_ProcessCSV( $pHBEnv, $pTemplateId, $pCSV, $pMC ) {
  // initialize the return array
  $returnData = array( "code" => "000", "errors" => array(), "data" => array() );

  try {
    $dbh = $pHBEnv["dbh"];

    // get the template partners
    $SQL = "SELECT tmpl_partner
            FROM {$pHBEnv["Cu"]}achtemplate
            WHERE tmpl_id = $pTemplateId";

    $rs = db_query( $SQL, $dbh );
    if ( !$rs ) {
      throw new Exception( $pMC->msg("ACH Query Error", HCU_DISPLAY_AS_HTML) . " 1047" );
    }

    // get the template information
    $templateRow = db_fetch_assoc( $rs, 0 );

    // expand the partner info
    $templatePartnerInfo = HCU_JsonDecode( $templateRow["tmpl_partner"], true );

    // get all the partners
    $SQL = "SELECT p.id, p.display_name, p.email_notify
            FROM {$pHBEnv["Cu"]}user u
            INNER JOIN {$pHBEnv["Cu"]}achpartner p ON p.group_id = u.group_id
            WHERE u.user_id = {$pHBEnv["Uid"]}";

    $rs = db_query( $SQL, $dbh );
    if ( !$rs ) {
      throw new Exception( $pMC->msg("ACH Query Error", HCU_DISPLAY_AS_HTML) . " 1048" );
    }

    // make a lookup array
    $row = 0;
    $partnerLookup = array();
    $partnerFound = array();      // this is to find out which template partners were missed
    while ( $partnerRow = db_fetch_assoc( $rs, $row++ ) ) {
      $partnerLookupByName[$partnerRow["display_name"]] = array( "id" => $partnerRow["id"] , "notify" => $partnerRow["email_notify"] );

      $partnerLookupById[$partnerRow["id"]] = array( "name" => $partnerRow["display_name"] , "notify" => $partnerRow["email_notify"] );
    }

    // initialize return arrays
    $foundList = array();             // found partners
    $notFoundList = array();      // not found partners
    $missedList = array();          // in template but not CSV

    // process the CSV file
    for ( $i = 0; $i < count( $pCSV ); $i++ ) {
      $parts = explode( ",", $pCSV[$i] );
      // sanitize
      $name = filter_var( $parts[0], FILTER_SANITIZE_STRING, FILTER_FLAG_NO_ENCODE_QUOTES );
      $amount = filter_var( $parts[1], FILTER_SANITIZE_NUMBER_FLOAT, FILTER_FLAG_ALLOW_FRACTION );
      if ( isset( $parts[2] ) ) {
        $addenda = filter_var( $parts[2], FILTER_SANITIZE_STRING, FILTER_FLAG_NO_ENCODE_QUOTES );
      } else {
        unset( $addenda );
      }

      // only allow positive amounts
      if ( $amount < 0 ) {
        $amount = 0;
      }

      // see if in partner list
      $foundId = isset( $partnerLookupByName[$name] ) ? $partnerLookupByName[$name]["id"] : 0;
      if ( $foundId > 0 ) {
        // start with the partner setting for the notify
        $notify = $partnerLookupByName[$name]["notify"] == "t";

        // get the template partner so can get default values from the template, if necessary
        for ( $t = 0; $t < count( $templatePartnerInfo ); $t++ ) {
          if ( $templatePartnerInfo[$t]["partner"] == $foundId ) {
            // get the notify flag
            $notify = $templatePartnerInfo[$t]["notify"] == 1;

            // only get this addenda if not supplied by CSV
            if ( !isset( $addenda ) ) {
              $addenda = $templatePartnerInfo[$t]["addenda"];
            }

            break;
          }
        }

        if ( !isset( $addenda ) ) { $addenda = ""; }

        // before adding, see if already found this person
        $alreadyAdded = false;
        for ( $test = 0; $test < count( $foundList ); $test++ ) {
          if ( $foundList[$test]["id"] == $foundId ) {
            $alreadyAdded = true;
            break;
          }
        }

        if ( !$alreadyAdded ) {
          $foundList[] = array( "id" => $foundId, "amount" => $amount, "addenda" => $addenda, "notify" => $notify );
        }
      } else {
        // make sure the name is not already in the list
        if ( !in_array( $name, $notFoundList ) ) {
          $notFoundList[] = $name;
        }
      }
    }

    // now see which template partners were missed
    for ( $t = 0; $t < count( $templatePartnerInfo ); $t++ ) {
      $found = false;
      for ( $p = 0; $p < count( $foundList ); $p++ ) {
        if ( $foundList[$p]["id"] == $templatePartnerInfo[$t]["partner"] ) {
          $found = true;
          break;
        }
      }

      if ( !$found ) {
        $missedList[] = $partnerLookupById[$templatePartnerInfo[$t]["partner"]]["name"];
      }
    }

    // these were found and are id, amount, addenda, notify
    $returnData["data"]["found"] = $foundList;
    // these were not found in partners and are a list of names
    $returnData["data"]["not_found"] = $notFoundList;
    // these were partners that weren't in the csv and are a list of names
    $returnData["data"]["missed"] = $missedList;

    // return success
  } catch (Exception $ex) {
    $message = $ex->getMessage();
    $logInfo = array( "message" => $message, "code" => $ex->getCode() );
    $returnData["code"] = "999";
    $returnData["errors"] = $message;
  }

  return $returnData;
} // end ACH_ProcessCSV

/**
 * ACH_GetCutoffTimeMessage, this function will build a string
 *    notification message for the user explaining that ach
 *    transfers will be processed the next business day if the
 *    transactions is submitted after the credit union cutoff time.
 *
 * @param     $pHBEnv       array       environment variable
 *
 * @return    string        cutoff time message
 */
function ACH_GetCutoffTimeMessage($pHBEnv) {
  $MC = $pHBEnv['MC'];

  $achCutoffTime = ACH_GetCutoffTime($pHBEnv);
  // ACH_GetCutoffTime returns an int value, this will
  // remove any leading zeros for time less than 10 am.
  // strtotime will not work correctly without the
  // leading zero.
  if (strlen($achCutoffTime) == 3) {
    $achCutoffTime  = "0" . $achCutoffTime;
  }
  $achTime = strtotime($achCutoffTime);
  $achTimeFormatted = date("g:i A", $achTime);
  $achCutoffMessage = $MC->combo_msg("ACH Cutoff Notice", HCU_DISPLAY_AS_RAW, "#DATE#", $achTimeFormatted);

  return $achCutoffMessage;
}


/**
 * for the effective date to be correct we must extractthe cutoff date
 * specified by the credit union. if there is no default cutoff time,
 * we use the default of 3 PM.
 *
 *
 * @param   array   $pHBEnv             -- Current server environment
 * @return  int     $returnCutofftime:  -- default is 3 PM if not defined in database
 */
function ACH_GetCutoffTime($pHBEnv) {
  $returnCutoffTime = null;
  $cu = $pHBEnv['Cu'];
  $dbh = $pHBEnv['dbh'];
  $MC = $pHBEnv['MC'];

  try {
    $sql = "
      SELECT settings::json->>'cutoff' AS cutoff
      FROM cuadmin
      WHERE cu='$cu'";
    $sqlRs = db_query($sql, $dbh);
    if (!$sqlRs) {
      throw new Exception( $MC->msg("ACH Query Error", HCU_DISPLAY_AS_HTML) . " 1100" );
    }
    $sqlData = db_fetch_assoc($sqlRs);

    $returnCutoffTime = $sqlData['cutoff'] !== null ?
      intval($sqlData['cutoff']) : 1500;
  } catch (Exception $ex) {
    // default is 3PM
    $returnCutoffTime = 1500;
    $logInfo = array( "message" => $message, "code" => $ex->getCode() );
  }

  return $returnCutoffTime;
}

/**
 * Get the effective transaction date. This is based on the current credit union time and the CU cutoff time.
 * Also take into account any defined business holidays.
 *
 *
 * @param array $pHBEnv           -- Current server environment
 * @param strng $pTestOverrideDateTime           -- Optional date/time to force a certain test date/time (parsable by strtotime())
 *
 * @return string                             -- A string with a date in it (m/d/Y)
 */
function ACH_GetEffectiveDate( $pHBEnv, $pTestOverrideDateTime = "" ) {
  $returnEffDate = null;

  try {
    // get today as current effective date
    $effDate = new DateTime();
    $effDate->setTimezone(new DateTimeZone( $pHBEnv["tz"] ));
    $effDateFound = false;

    if ($pTestOverrideDateTime > "") {
      // this path is just for test injection
      $effDate->setDate(
        date( "Y", strtotime( $pTestOverrideDateTime) ),
        date( "m", strtotime( $pTestOverrideDateTime) ),
        date( "d", strtotime( $pTestOverrideDateTime) )
      );

      $effDate->setTime(
        date( "G", strtotime( $pTestOverrideDateTime) ),
        date( "i", strtotime( $pTestOverrideDateTime) )
      );
    }

    // get cut off time - evetually read from database
    // get this years business holidays
    $cuCutoffTime = ACH_GetCutoffTime($pHBEnv);
    $cuCalendar = ACH_GetCalendarYear($pHBEnv, $effDate->format("Y"));
    $cuCalendar = $cuCalendar['calendar'];
    $cuCalendarDates = $cuCalendar['dates'];
    $cuCalendarDates = HCU_JsonDecode($cuCalendarDates);

    // check cutoff time
    // only need to check cutoff time for today,
    // initial effective date is set to today.
    $effTime = (int) $effDate->format("Gi");
    if ($effTime > $cuCutoffTime) {
      $effDate->modify("+1 day");
    }

    // loop to check if dates are weekend or
    // selected as non-business days
    while (!$effDateFound) {
      // get effective date: weekeday 1-7
      $effWeekday = (int) $effDate->format("N");

      // check: saturday or sunday
      //    incriment to next day and re-run loop
      if ($effWeekday >= 6) {
        $effDate->modify("+1 day");
        continue;
      }

      // the calendar data has an array of dates
      // this means any dates found in this array are CLOSED for business
      // or scheduled as a business holiday.

      // check: array exists
      // check: current effective date is in array
      //    date found, incriment to next day, re-run loop.
      if (is_array($cuCalendarDates)) {
        if (in_array($effDate->format("Y-m-d"), $cuCalendarDates)){
          $effDate->modify("+1 day");
          continue;
        }
      }

      // if this far, a valid effective date has been found
      $effDateFound = true;
    }

    $returnEffDate = $effDate->format("m/d/Y");
  } catch ( Exception $e ) {
    // just return today and let the back-end catch it
    $returnEffDate = date( "m/d/Y" );
  }

  return $returnEffDate;
} // end ACH_GetEffectiveDate

function ACH_GetCalendarYear($pHBEnv, $pYear) {
  $dbh = $pHBEnv['dbh'];
  $cu = $pHBEnv['Cu'];

  $sqlReturn = array();
  $sql = "
    SELECT dates FROM cu_calendar
    WHERE cu = '$cu'
      AND year = '$pYear'";
  $sqlRs = db_query($sql, $dbh);
  if (!$sqlRs) {
    throw new Exception("Failed to read calendar for " . $pYear);
  }
  $sqlReturn['calendar'] = db_fetch_assoc($sqlRs);
  return $sqlReturn;
}

/**
 * Test to see if the provided date is the effective transaction date. Return the date
 * if it is a business day, or the next business day if it is not.
 * Take into account any defined business holidays.
 *
 *
 * @param array $pEnv           -- Current server environment
 * @param strng $pEffDate       -- Date/time to test (parsable by strtotime())
 *
 * @return string               -- A string with a date in it (Y-m-d)
 */
function ACH_EnsureBusinessDay( $pEnv, $pEffDate ) {
  $returnEffDate = null;

  try {
    // make an object to test/manipulate easier
    $effDate = new DateTime( $pEffDate );

    // get this years business holidays
    $cuCalendar = ACH_GetCalendarYear($pEnv, $effDate->format("Y"));
    $cuCalendar = $cuCalendar['calendar'];
    $cuCalendarDates = $cuCalendar['dates'];
    $cuCalendarDates = HCU_JsonDecode($cuCalendarDates);

    // loop to check if dates are weekend or
    // selected as non-business days
    $effDateFound = false;
    while (!$effDateFound) {
      // get effective date: weekeday 1-7
      $effWeekday = (int) $effDate->format("N");

      // check: saturday or sunday
      //    increment to next day and re-run loop
      if ($effWeekday >= 6) {
        $effDate->modify("+1 day");
        continue;
      }

      // the calendar data has an array of dates
      // this means any dates found in this array are CLOSED for business
      // or scheduled as a business holiday.

      // check: array exists
      // check: current effective date is in array
      //    date found, incriment to next day, re-run loop.
      if (is_array($cuCalendarDates)) {
        if (in_array($effDate->format("Y-m-d"), $cuCalendarDates)){
          $effDate->modify("+1 day");
          continue;
        }
      }

      // if this far, a valid effective date has been found
      $effDateFound = true;
    }

    $returnEffDate = $effDate->format("Y-m-d");
  } catch ( Exception $e ) {
    // just return today and let the back-end catch it
    $returnEffDate = $pEffDate;
  }

  return $returnEffDate;
} // end ACH_EnsureBusinessDay


// Return the list of states to use for a State drop-down list.
// NOTE: this is formatted for use with a Kendo DropdownList.
function GetStateList() {
  $states = array(
    [ "name"=>'Alabama', "value"=>'AL'],
    [ "name"=>'Alaska', "value"=>'AK'],
    [ "name"=>'Arizona', "value"=>'AZ'],
    [ "name"=>'Arkansas', "value"=>'AR'],
    [ "name"=>'California', "value"=>'CA'],
    [ "name"=>'Colorado', "value"=>'CO'],
    [ "name"=>'Connecticut', "value"=>'CT'],
    [ "name"=>'Delaware', "value"=>'DE'],
    [ "name"=>'Florida', "value"=>'FL'],
    [ "name"=>'Georgia', "value"=>'GA'],
    [ "name"=>'Hawaii', "value"=>'HI'],
    [ "name"=>'Idaho', "value"=>'ID'],
    [ "name"=>'Illinois', "value"=>'IL'],
    [ "name"=>'Indiana', "value"=>'IN'],
    [ "name"=>'Iowa', "value"=>'IA'],
    [ "name"=>'Kansas', "value"=>'KS'],
    [ "name"=>'Kentucky', "value"=>'KY'],
    [ "name"=>'Louisiana', "value"=>'LA'],
    [ "name"=>'Maine', "value"=>'ME'],
    [ "name"=>'Maryland', "value"=>'MD'],
    [ "name"=>'Massachusetts', "value"=>'MA'],
    [ "name"=>'Michigan', "value"=>'MI'],
    [ "name"=>'Minnesota', "value"=>'MN'],
    [ "name"=>'Mississippi', "value"=>'MS'],
    [ "name"=>'Missouri', "value"=>'MO'],
    [ "name"=>'Montana', "value"=>'MT'],
    [ "name"=>'Nebraska', "value"=>'NE'],
    [ "name"=>'Nevada', "value"=>'NV'],
    [ "name"=>'New Hampshire', "value"=>'NH'],
    [ "name"=>'New Jersey', "value"=>'NJ'],
    [ "name"=>'New Mexico', "value"=>'NM'],
    [ "name"=>'New York', "value"=>'NY'],
    [ "name"=>'North Carolina', "value"=>'NC'],
    [ "name"=>'North Dakota', "value"=>'ND'],
    [ "name"=>'Ohio', "value"=>'OH'],
    [ "name"=>'Oklahoma', "value"=>'OK'],
    [ "name"=>'Oregon', "value"=>'OR'],
    [ "name"=>'Pennsylvania', "value"=>'PA'],
    [ "name"=>'Rhode Island', "value"=>'RI'],
    [ "name"=>'South Carolina', "value"=>'SC'],
    [ "name"=>'South Dakota', "value"=>'SD'],
    [ "name"=>'Tennessee', "value"=>'TN'],
    [ "name"=>'Texas', "value"=>'TX'],
    [ "name"=>'Utah', "value"=>'UT'],
    [ "name"=>'Vermont', "value"=>'VT'],
    [ "name"=>'Virginia', "value"=>'VA'],
    [ "name"=>'Washington', "value"=>'WA'],
    [ "name"=>'West Virginia', "value"=>'WV'],
    [ "name"=>'Wisconsin', "value"=>'WI'],
    [ "name"=>'Wyoming', "value"=>'WY']
  );

  $provinces = array(
    [ "name"=>'Alberta', "value" => 'AB' ],
    [ "name"=>'British Columbia', "value" => 'BC' ],
    [ "name"=>'Manitoba', "value" => 'MB' ],
    [ "name"=>'New Brunswick', "value" => 'NB' ],
    [ "name"=>'Newfoundland and Labrador', "value" => 'NL' ],
    [ "name"=>'Nova Scotia', "value" => 'NS' ],
    [ "name"=>'Ontario', "value" => 'ON' ],
    [ "name"=>'Prince Edward Island', "value" => 'PE' ],
    [ "name"=>'Saskatchewan', "value" => 'SK' ],
    [ "name"=>'Quebec', "value" => 'QC' ]
  );

  $caribbean = array(
    [ "name"=>'US Virgin Islands', "value" => 'VI' ],
    [ "name"=>'Trinidad and Tobago', "value" => 'TT' ]
  );
  // put them together and return them
  $returnData = array_merge( $states, $provinces, $caribbean );

  return $returnData;
} // end GetStateList

/**
 * ACH_GetCompanyData
 * This function will retrieve the group name and tax_id
 * by user_id, to check access rights for commercial banking
 * features and display to company name to the user.
 *
 * If no tax id is found the user will have no access to
 * commercial banking features.
 *
 * @param     $pEnv       array   environment values
 * @return    $sqlData    array   group information found
 */
function ACH_GetCompanyData($pEnv) {
  // get group information to retrieve group/company name
  $sql = "
    SELECT g.group_name, g.tax_id FROM {$pEnv['cu']}user u
    LEFT JOIN {$pEnv['cu']}group g ON u.group_id = g.group_id
    WHERE u.user_id = {$pEnv['Uid']}";
  $sqlRs = db_query($sql, $pEnv['dbh']);
  if (!$sqlRs) {
    throw new Exception("Failed to read company information");
  }

  $sqlData = db_fetch_assoc($sqlRs);
  return $sqlData;
}

function PrintPartnerEditor($pEnv) {?>
  <?php $MC = $pEnv['MC']; ?>
  <!-- ACCORDION STYLES -->
  <style type="text/css">
    .achAccordionHeader {
      cursor: pointer;
    }

    .achFieldMargin {
      margin-top: 7.5px;
      margin-bottom: 7.5px;
    }

    .achSpacer {
      background-color: #ddd;
      height: 1px;
    }

    .achDirty {
      color: #f0ad4e;
    }
  </style>

  <script type="text/x-kendo-template" id="achPartnerEditorTmp">
    <div id="achPartnerEditor">
      <div id="achPartnerStatus"></div>
      <div class="col-sm-12">&nbsp;</div>
      <div class="hcu-secondary"
        data-bind="visible: showDeleteWarn">
        <span class="small hcu-secondary-text"><?php echo $MC->msg("ACH Remove Partner from batch warning", HCU_DISPLAY_AS_HTML) ?></span>
      </div>
      <div class="well well-sm col-sm-12">
        <!-- PARTNER INFORMATION -->
        <div class="row">
          <div class="col-xs-12">
            <h4>
              <span><?php echo $MC->msg("ACH Partner Information", HCU_DISPLAY_AS_HTML) ?></span>
              <span class="achDirty" data-bind="visible: sourceDirtyInfo"><sup>*</sup></span>
            </h4>
            <br>
          </div>
        </div>

        <div class="row achFieldMargin">
          <div class="col-xs-12 col-sm-3">
            <label for="achPartnerType">
              <span><?php echo $MC->msg("ACH Partner Type", HCU_DISPLAY_AS_HTML) ?></span>
            </label>
          </div>
          <div class="col-xs-12 col-sm-6">
            <input type="text" name="achPartnerType" class="hcu-all-100"
              data-role="dropdownlist"
              data-text-field="display"
              data-value-field="type"
              data-bind="
                source: listPartnerTypes,
                value: sourcePartner.partner_type,
                events: { change: change }">
          </div>
        </div>

        <div class="row achFieldMargin">
          <div class="col-xs-12 col-sm-3">
            <label for="achPartnerDisplay">
              <span><?php echo $MC->msg("ACH Display Name", HCU_DISPLAY_AS_HTML) ?> </span>
              <span class="hcu-required-field"><sup>*</sup></span></span>
            </label>
          </div>
          <div class="col-xs-12 col-sm-6">
            <input type="text" name="achPartnerDisplay" class="k-textbox k-input hcu-all-100"
              maxlength="30"
              data-bind="
                value: sourcePartner.display_name,
                events: { change: change }"
              validationMessage="
                <?php echo $MC->msg("ACH Unique display name required", HCU_DISPLAY_AS_HTML) ?>"
              required>
          </div>
        </div>

        <div class="row achFieldMargin">
          <div class="col-xs-12 col-sm-3">
            <label for="achPartnerName">
              <span><?php echo $MC->msg("Name", HCU_DISPLAY_AS_HTML); ?> </span>
            </label>
          </div>
          <div class="col-xs-12 col-sm-6">
            <input type="text" name="achPartnerName" class="k-textbox k-input hcu-all-100"
              maxlength="30"
              data-bind="
                value: sourcePartner.ach_name,
                events: { change: change }">
          </div>
        </div>

        <div class="row achFieldMargin">
          <div class="col-xs-12 col-sm-3">
            <label for="achPartnerEmail">
              <span><?php echo $MC->msg("ACH E-Mail", HCU_DISPLAY_AS_HTML); ?> </span>
              <span class="hcu-required-field"
                data-bind="visible: sourcePartner.email_notify"><sup>*</sup></span></span>
            </label>
          </div>
          <div class="col-xs-12 col-sm-6">
            <input type="TEXT" name="achPartnerEmail" class="k-textbox k-input hcu-all-100"
              maxlength="100"
              homecu-match="email"
              data-bind="
                value: sourcePartner.email,
                required: sourcePartner.email_notify,
                events: { change: change }"
              data-required-msg="<?php echo $MC->msg("Please specify email address", HCU_DISPLAY_AS_HTML); ?>"
              validationMessage="<?php echo $MC->msg("Enter Valid Email", HCU_DISPLAY_AS_HTML); ?>">
          </div>
          <div class="col-xs-12 col-sm-3">
            <input type="checkbox" name="achPartnerNotify" style="margin-top: -2px;"
              data-bind="
                checked: sourcePartner.email_notify,
                events: { click: change }">
            <label for="achPartnerNotify"
              data-bind="
                events: { click: change }">
              <span>&nbsp;<?php echo $MC->msg("Notify", HCU_DISPLAY_AS_HTML); ?>&nbsp;<span class="fa fa-question-circle-o" id="achPartnerNotifyTip"></span></span>
            </label>
          </div>
        </div>

        <div class="achFieldMargin achSpacer"></div>

        <div class="row">
          <div class="col-xs-12">
            <h4>
              <span><?php echo $MC->msg("ACH Partner Address", HCU_DISPLAY_AS_HTML); ?></span>
              <span class="achDirty" data-bind="visible: sourceDirtyAddr"><sup>*</sup></span>
            </h4>
            <br>
          </div>
        </div>

        <div class="row achFieldMargin">
          <div class="col-xs-12 col-sm-3">
            <label for="achPartnerAddress1">
              <span><?php echo $MC->msg("ACH Address", HCU_DISPLAY_AS_HTML) . " 1"; ?></span>
            </label>
          </div>
          <div class="col-xs-12 col-sm-6">
            <input type="text" name="achPartnerAddress1" class="k-textbox k-input hcu-all-100"
              maxlength="35"
              data-bind="
                value: sourcePartner.address1,
                events: { change: change }">
          </div>
        </div>

        <div class="row achFieldMargin">
          <div class="col-xs-12 col-sm-3">
            <label for="achPartnerAddress2">
              <span><?php echo $MC->msg("ACH Address", HCU_DISPLAY_AS_HTML) . " 2"; ?></span>
            </label>
          </div>
          <div class="col-xs-12 col-sm-6">
            <input type="text" name="achPartnerAddress2" class="k-textbox k-input hcu-all-100"
              maxlength="30"
              data-bind="
                value: sourcePartner.address2,
                events: { change: change }">
          </div>
        </div>

        <div class="row achFieldMargin">
          <div class="col-xs-12 col-sm-3">
            <label>
              <span><?php echo $MC->msg("ACH CityStateZip", HCU_DISPLAY_AS_HTML); ?></span>
            </label>
          </div>
          <div class="col-xs-12 col-sm-3">
            <input type="text" name="achPartnerCity" class="k-textbox k-input hcu-all-100"
              maxlength="20"
              data-bind="
                value: sourcePartner.city,
                events: { change: change }">
          </div>
          <div class="col-xs-12 col-sm-3">
            <input type="text" name="achPartnerState" class="hcu-all-100"
              maxlength="20"
              data-role="dropdownlist"
              data-text-field="name"
              data-value-field="value"
              data-option-label="<?php echo $MC->msg("ACH Select State", HCU_DISPLAY_AS_JS) ?>"
              data-bind="
                source: listStates,
                value: sourcePartner.state,
                events: { change: change }">
          </div>
          <div class="col-xs-12 col-sm-3">
            <input type="text" name="achPartnerZip" class="k-textbox k-input hcu-all-100"
              data-role="maskedtextbox"
              data-bind="
                value: sourcePartner.zip,
                events: { change: change }">
          </div>
        </div>

        <div class="row achFieldMargin">
          <div class="col-xs-12 col-sm-3">
            <label for="achPartnerCountry">
              <span><?php echo $MC->msg("ACH Country", HCU_DISPLAY_AS_HTML); ?></span>
            </label>
          </div>
          <div class="col-xs-12 col-sm-6">
            <input type="text" name="achPartnerCountry" class="k-textbox k-input hcu-all-100"
              maxlength="100"
              data-bind="
                value: sourcePartner.country,
                events: { change: change }">
          </div>
        </div>

        <div class="achFieldMargin achSpacer"></div>

        <div class="row">
          <div class="col-xs-12">
            <h4>
              <span><?php echo $MC->msg("ACH Remote Account", HCU_DISPLAY_AS_HTML); ?></span>
              <span class="achDirty" data-bind="visible: sourceDirtyAcct"><sup>*</sup></span>
            </h4>
            <br>
          </div>
        </div>
        <div class="row achFieldMargin">
          <div class="col-xs-12 col-sm-3">
            <label for="achPartnerRouting">
              <span><?php echo $MC->msg("ACH Routing Number", HCU_DISPLAY_AS_HTML); ?></span>
              <span class="hcu-required-field"><sup>*</sup></span></span>
            </label>
          </div>
          <div class="col-xs-12 col-sm-6">
            <input type="text" name="achPartnerRouting" class="k-textbox k-input hcu-all-100"
              data-bind="
                value: sourcePartner.dfi_routing,
                events: { change: change }"
              data-required-msg="Routing number is required"
              validationMessage="<?php echo $MC->msg("ACH Routing number 9 digits", HCU_DISPLAY_AS_HTML); ?>"
              required>
          </div>
        </div>

        <div class="row achFieldMargin">
          <div class="col-xs-12 col-sm-3">
            <label for="achPartnerAccount">
              <span><?php echo $MC->msg('ACH Account Number', HCU_DISPLAY_AS_HTML); ?> </span>
              <span class="hcu-required-field"><sup>*</sup></span></span>
            </label>
          </div>
          <div class="col-xs-12 col-sm-6">
            <input type="text" name="achPartnerAccount" class="k-textbox k-input hcu-all-100 account-match"
              data-bind="
                value: sourcePartner.dfi_account,
                events: { change: change }"
              data-required-msg="<?php echo $MC->msg('ACH Need remote account', HCU_DISPLAY_AS_HTML); ?>"
              validationMessage="
                <?php echo $MC->msg('ACH Need remote account', HCU_DISPLAY_AS_HTML); ?>"
              required>
          </div>
        </div>

        <div class="row achFieldMargin">
          <div class="col-xs-12 col-sm-3">
            <label for="achPartnerAccountConfirm">
              <span><?php echo $MC->msg('ACH Confirm Account', HCU_DISPLAY_AS_HTML); ?> </span>
              <span class="hcu-required-field"><sup>*</sup></span></span>
            </label>
          </div>
          <div class="col-xs-12 col-sm-6">
            <input type="text" name="achPartnerAccountConfirm" class="k-textbox k-input hcu-all-100 account-match"
              homecu-equals="account-match"
              data-bind="
                value: sourcePartner.dfi_account_confirm,
                events: { change: change }"
              data-required-msg="<?php echo $MC->msg('ACH Need remote account', HCU_DISPLAY_AS_HTML); ?>"
              validationMessage="
                <?php echo $MC->msg('ACH Accounts no match', HCU_DISPLAY_AS_HTML); ?>"
              required>
          </div>
        </div>

        <div class="row achFieldMargin">
          <div class="col-xs-12 col-sm-3">
            <label for="achPartnerAccountType">
              <span><?php echo $MC->msg('Account Type', HCU_DISPLAY_AS_HTML); ?> </span>
              <span class="hcu-required-field"><sup>*</sup></span></span>
            </label>
          </div>
          <div class="col-xs-12 col-sm-6">
            <input name="achPartnerAccountType" class="hcu-all-100"
              data-role="dropdownlist"
              data-text-field="display"
              data-value-field="type"
              data-option-label="<?php echo $MC->msg("ACH Select Type", HCU_DISPLAY_AS_JS) ?>"
              data-bind="
                source: listAccountTypes,
                value: sourcePartner.dfi_account_type,
                events: { change: change }"
              data-required-msg="
                <?php echo $MC->msg('ACH Need remote account type', HCU_DISPLAY_AS_HTML) ?>"
              validationMessage=""
              required>
          </div>
        </div>

        <div class="achFieldMargin achSpacer"></div>

        <div class="achFieldMargin">
          &nbsp;
          <span class="hcu-required-field"><sup>*</sup></span>
          <span><?php echo $MC->msg('ACH Required', HCU_DISPLAY_AS_HTML) ?></span>
        </div>

      </div>

      <div class="hcu-template">
        <div class="hcu-edit-buttons k-state-default">
          <span class="hcu-icon-delete"
            data-bind="visible: showDelete">
            <a href="##" id="lnkDelete"
              data-bind="events: { click: delete }">
              <i class="fa fa-trash fa-lg"></i>
            </a>
          </span>
          <a href="##" id="lnkCancel"
            data-bind="events: { click: cancel }">
            <?php echo $MC->msg('Cancel', HCU_DISPLAY_AS_HTML) ?></a>
          &ensp;
          <a href="##" id="btnUpdate" class="k-button k-primary"
            data-bind="events: { click: save }">
            <i class="fa fa-check fa-lg"></i>
            <?php echo $MC->msg('Save', HCU_DISPLAY_AS_HTML) ?>
          </a>
        </div>
      </div>
    </div>
  </script>

  <script type="text/x-kendo-template" id=achPartnerDiscardTmp>
    <div id="achPartnerDiscard">
      <p><?php echo $MC->msg("ACH Discard changes warning", HCU_DISPLAY_AS_JS) ?></p>
      <p><?php echo $MC->msg("ACH Continue", HCU_DISPLAY_AS_JS) ?></p>
    </div>
  </script>

  <script type="text/x-kendo-template" id="achPartnerDeleteTmp">
    <div id="achPartnerDelete">
      <p><?php echo $MC->msg("ACH Continue remove partner", HCU_DISPLAY_AS_JS) ?></p>
      <p><?php echo $MC->msg("ACH Continue", HCU_DISPLAY_AS_JS) ?></p>
    </div>
  </script>
  <?php
}