Discounts taken outside of Discount Due Date - AP

When a voucher is paid outside the discount due date, the system is still taking the discount.

There is a R04570 processing option for Discount cutoff date that when populated works. Here is what I am struggling with though. Say you have 100s of payments in your group with various discount cut offs. This doesn't seem like a logical solution.

Mike B (in Oracle Support) created enhancement Bug 14288260 - DISCOUNT CUT OFF DATE FUNCTION IS DEFICIENT to address this issue.

I want to know what other clients are doing to get around this issue.

The system allows entry of some elaborate payment terms in JDE; from basics to advanced.  So if you are allowed this set up, what is the purpose for setting up these pay terms if the system cannot handle them.