금융 거래 기록 흐름 공통화

app/lib/installment_service.php

@@ -1,8 +1,9 @@
 <?php
 
-require_once __DIR__ . '/db.php';
-require_once __DIR__ . '/account_service.php';
-require_once __DIR__ . '/card_billing_service.php';
+require_once __DIR__ . '/db.php';
+require_once __DIR__ . '/account_service.php';
+require_once __DIR__ . '/card_billing_service.php';
+require_once __DIR__ . '/transaction_record_service.php';
 
 function split_amount_evenly(float $amount, int $months): array
 {
@@ -547,43 +548,10 @@ function prepay_installment(
 
         recalculate_installment_status($installmentId);
 
-        $stmt = $pdo->prepare("
-            INSERT INTO transactions
-            (
-                user_id,
-                account_id,
-                category_id,
-                transaction_type,
-                amount,
-                is_installment,
-                installment_months,
-                installment_interest_rate,
-                installment_interest_total,
-                installment_total_billed,
-                installment_prepay_amount,
-                transaction_date,
-                merchant_name,
-                description,
-                related_account_id,
-                fingerprint
-            )
-            VALUES (?, ?, ?, 'expense', ?, 0, NULL, 0, 0, NULL, ?, ?, ?, ?, NULL, ?)
-        ");
-
-        $desc = $description ?: '할부 선결제/중도상환';
-
-        $fingerprint = hash('sha256', implode('|', [
-            $userId,
-            $paymentAccountId,
-            'installment_prepay',
-            $installmentId,
-            $prepayDate,
-            number_format($totalAmount, 2, '.', ''),
-            $desc
-        ]));
-
-        $stmtCat = $pdo->prepare("
-            SELECT id
+        $desc = $description ?: '할부 선결제/중도상환';
+
+        $stmtCat = $pdo->prepare("
+            SELECT id
             FROM categories
             WHERE user_id = ?
               AND category_type = 'expense'
@@ -594,22 +562,23 @@ function prepay_installment(
         $category = $stmtCat->fetch();
 
         if (!$category) {
-            throw new RuntimeException('선결제 기록용 expense 카테고리(기타지출)를 찾을 수 없습니다.');
-        }
-
-        $stmt->execute([
-            $userId,
-            $paymentAccountId,
-            (int)$category['id'],
-            $totalAmount,
-            $totalAmount,
-            $prepayDate,
-            $installment['merchant_name'],
-            '[할부 선결제] ' . $desc,
-            $fingerprint
-        ]);
-
-        $pdo->commit();
+            throw new RuntimeException('선결제 기록용 expense 카테고리(기타지출)를 찾을 수 없습니다.');
+        }
+
+        insert_transaction_record([
+            'user_id' => $userId,
+            'account_id' => $paymentAccountId,
+            'category_id' => (int)$category['id'],
+            'transaction_type' => 'expense',
+            'amount' => $totalAmount,
+            'transaction_date' => $prepayDate,
+            'merchant_name' => $installment['merchant_name'],
+            'description' => '[할부 선결제] ' . $installmentId . ' / ' . $desc,
+            'related_account_id' => null,
+            'installment_prepay_amount' => $totalAmount,
+        ], true);
+
+        $pdo->commit();
 
         recalculate_account_balance($paymentAccountId);
     } catch (Throwable $e) {
@@ -701,4 +670,4 @@ function rebuild_all_installments_for_user(int $userId): int
 
         throw $e;
     }
-}
+}