금융 거래 기록 흐름 공통화

app/lib/loan_service.php

@@ -1,7 +1,8 @@
 <?php
 
-require_once __DIR__ . '/db.php';
-require_once __DIR__ . '/account_service.php';
+require_once __DIR__ . '/db.php';
+require_once __DIR__ . '/account_service.php';
+require_once __DIR__ . '/transaction_record_service.php';
 
 function add_months_keep_day(string $date, int $months, int $paymentDay): string
 {
@@ -176,110 +177,10 @@ function get_category_id_by_name(int $userId, string $categoryType, string $name
     return $row ? (int)$row['id'] : null;
 }
 
-function build_tx_fingerprint(
-    int $userId,
-    int $accountId,
-    ?int $relatedAccountId,
-    int $categoryId,
-    string $transactionType,
-    float $amount,
-    string $transactionDate,
-    ?string $merchantName,
-    ?string $description,
-    ?int $sourceLoanId = null
-): string {
-    $raw = implode('|', [
-        $userId,
-        $accountId,
-        $relatedAccountId ?? 0,
-        $categoryId,
-        $transactionType,
-        number_format($amount, 2, '.', ''),
-        $transactionDate,
-        trim((string)$merchantName),
-        trim((string)$description),
-        $sourceLoanId ?? 0,
-    ]);
-
-    return hash('sha256', $raw);
-}
-
-function insert_transaction_row(array $data): int
-{
-    $pdo = db();
-
-    $sourceLoanId = !empty($data['source_loan_id']) ? (int)$data['source_loan_id'] : null;
-
-    $fingerprint = build_tx_fingerprint(
-        (int)$data['user_id'],
-        (int)$data['account_id'],
-        !empty($data['related_account_id']) ? (int)$data['related_account_id'] : null,
-        (int)$data['category_id'],
-        (string)$data['transaction_type'],
-        (float)$data['amount'],
-        (string)$data['transaction_date'],
-        $data['merchant_name'] ?? null,
-        $data['description'] ?? null,
-        $sourceLoanId
-    );
-
-    $stmt = $pdo->prepare("
-        SELECT id
-        FROM transactions
-        WHERE user_id = ?
-          AND fingerprint = ?
-        LIMIT 1
-    ");
-    $stmt->execute([
-        $data['user_id'],
-        $fingerprint
-    ]);
-    $exists = $stmt->fetch();
-
-    if ($exists) {
-        return (int)$exists['id'];
-    }
-
-    $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,
-            source_loan_id,
-            fingerprint
-        )
-        VALUES (?, ?, ?, ?, ?, 0, NULL, 0, 0, NULL, 0, ?, ?, ?, ?, ?, ?)
-    ");
-
-    $stmt->execute([
-        $data['user_id'],
-        $data['account_id'],
-        $data['category_id'],
-        $data['transaction_type'],
-        $data['amount'],
-        $data['transaction_date'],
-        $data['merchant_name'],
-        $data['description'],
-        $data['related_account_id'],
-        $sourceLoanId,
-        $fingerprint,
-    ]);
-
-    return (int)$pdo->lastInsertId();
-}
+function insert_transaction_row(array $data): int
+{
+    return insert_transaction_record($data, true);
+}
 
 function create_loan_schedule_only(
     int $loanId,
@@ -928,20 +829,44 @@ function prepay_loan(
             )
             VALUES (?, ?, NULL, ?, ?, ?, ?, ?, ?, 'prepayment', 0, ?)
         ");
-        $stmt->execute([
-            $userId,
-            $loanId,
-            $accountId ?: null,
+        $stmt->execute([
+            $userId,
+            $loanId,
+            $accountId ?: null,
             $paymentDate,
             $principalAmount,
             $interestAmount,
             $feeAmount,
             $totalAmount,
-            $description,
-        ]);
-
-        if ($principalAmount > 0) {
-            $stmt = $pdo->prepare("
+            $description,
+        ]);
+
+        if (!empty($accountId) && $totalAmount > 0) {
+            $expenseCategoryId = get_category_id_by_name($userId, 'expense', '대출상환');
+
+            if ($expenseCategoryId) {
+                insert_transaction_row([
+                    'user_id' => $userId,
+                    'account_id' => $accountId,
+                    'category_id' => $expenseCategoryId,
+                    'transaction_type' => 'expense',
+                    'amount' => $totalAmount,
+                    'transaction_date' => $paymentDate,
+                    'merchant_name' => $loan['loan_name'],
+                    'description' => '[대출중도상환] 원금 ' .
+                        number_format($principalAmount, 0) .
+                        ' / 이자 ' .
+                        number_format($interestAmount, 0) .
+                        ' / 수수료 ' .
+                        number_format($feeAmount, 0),
+                    'related_account_id' => null,
+                    'source_loan_id' => $loanId,
+                ]);
+            }
+        }
+
+        if ($principalAmount > 0) {
+            $stmt = $pdo->prepare("
                 UPDATE loans
                 SET current_principal_balance = GREATEST(current_principal_balance - ?, 0)
                 WHERE id = ?
@@ -1151,4 +1076,4 @@ function update_loan_and_rebuild_full_history(int $userId, int $loanId, array $d
         }
         throw $e;
     }
-}
+}