Populate paymentParams with actual data from database

- Updated ViewLocationCard to accept userSettings prop
- Replaced all hardcoded payment values with dynamic data:
  * Amount calculated from monthly expenses
  * Payer info from tenant fields (name, street, town)
  * Recipient info from userSettings (name, street, town, IBAN)
  * Reference number and description generated from location data
- Created getUserSettingsByUserId function for fetching owner settings on public pages
- Updated LocationViewPage to fetch and pass userSettings to ViewLocationCard

🤖 Generated with [Claude Code](https://claude.com/claude-code)

Co-Authored-By: Claude <noreply@anthropic.com>

app/ui/ViewLocationCard.tsx

@@ -1,7 +1,7 @@
 'use client';
 
 import { FC } from "react";
-import { BilledTo, BillingLocation } from "../lib/db-types";
+import { BilledTo, BillingLocation, UserSettings } from "../lib/db-types";
 import { formatYearMonth } from "../lib/format";
 import { formatCurrency } from "../lib/formatStrings";
 import { useTranslations } from "next-intl";
@@ -10,10 +10,13 @@ import { Pdf417Barcode } from "./Pdf417Barcode";
 import { PaymentParams } from "hub-3a-payment-encoder";
 
 export interface ViewLocationCardProps {
-    location: BillingLocation
+    location: BillingLocation;
+    userSettings: UserSettings | null;
 }
 
-export const ViewLocationCard:FC<ViewLocationCardProps> = ({location: { _id, name, yearMonth, bills }}) => {
+export const ViewLocationCard:FC<ViewLocationCardProps> = ({location, userSettings}) => {
+
+    const { _id, name, yearMonth, bills, tenantFirstName, tenantLastName, tenantStreet, tenantTown } = location;
 
     const t = useTranslations("home-page.location-card");
 
@@ -21,18 +24,18 @@ export const ViewLocationCard:FC<ViewLocationCardProps> = ({location: { _id, nam
     const monthlyExpense = bills.reduce((acc, bill) => (bill.paid && (bill.billedTo ?? BilledTo.Tenant) === BilledTo.Tenant) ? acc + (bill.payedAmount ?? 0) : acc, 0);
 
     const paymentParams:PaymentParams = {
-        Iznos:"123,66",  // NOTE: use comma, not period!
-        ImePlatitelja:"Ivan Horvat",
-        AdresaPlatitelja:"Ilica 23",
-        SjedistePlatitelja:"10000 Zagreb",
-        Primatelj:"Nikola Derežić",
-        AdresaPrimatelja:"Divka Budaka 17",
-        SjedistePrimatelja:"Zagreb",
-        IBAN:"HR8924020061100679445",
-        ModelPlacanja: "HR00",  // MUST contain "HR" prefix!
-        PozivNaBroj:"2025-05",
-        SifraNamjene:"",
-        OpisPlacanja:"Režije-Budakova-05",
+        Iznos: (monthlyExpense/100).toFixed(2).replace(".",","),
+        ImePlatitelja: (tenantFirstName && tenantLastName) ? `${tenantFirstName} ${tenantLastName}` : "",
+        AdresaPlatitelja: tenantStreet ?? "",
+        SjedistePlatitelja: tenantTown ?? "",
+        Primatelj: (userSettings?.firstName && userSettings?.lastName) ? `${userSettings.firstName} ${userSettings.lastName}` : "",
+        AdresaPrimatelja: userSettings?.street ?? "",
+        SjedistePrimatelja: userSettings?.town ?? "",
+        IBAN: userSettings?.iban ?? "",
+        ModelPlacanja: "HR00",
+        PozivNaBroj: `${yearMonth.year}-${yearMonth.month.toString().padStart(2,"0")}`,
+        SifraNamjene: "",
+        OpisPlacanja: `Režije-${name}-${yearMonth.month.toString().padStart(2,"0")}`,
     };
 
     return(