Initial financial project import

2026-06-07 00:33:58 +09:00
commit faeab5f0f5
50 changed files with 11267 additions and 0 deletions
@@ -0,0 +1,274 @@
+<?php
+
+function normalize_card_kind(array $account): ?string
+{
+    $kind = strtolower(trim((string)($account['card_kind'] ?? '')));
+
+    if ($kind === 'credit') {
+        return 'credit';
+    }
+
+    if ($kind === 'check') {
+        return 'check';
+    }
+
+    return null;
+}
+
+function safe_date_ts(string $date): ?int
+{
+    $ts = strtotime($date);
+    return $ts === false ? null : $ts;
+}
+
+function card_month_day_date(string $billingYearMonth, int $monthOffset, int $day): ?DateTime
+{
+    if (!preg_match('/^\d{4}-\d{2}$/', $billingYearMonth)) {
+        return null;
+    }
+
+    if ($day < 1 || $day > 31) {
+        return null;
+    }
+
+    $base = new DateTime($billingYearMonth . '-01');
+
+    if ($monthOffset !== 0) {
+        $base->modify(($monthOffset > 0 ? '+' : '') . $monthOffset . ' month');
+    }
+
+    $lastDay = (int)$base->format('t');
+    $realDay = min($day, $lastDay);
+
+    $base->setDate(
+        (int)$base->format('Y'),
+        (int)$base->format('m'),
+        $realDay
+    );
+
+    return $base;
+}
+
+function account_has_statement_period(array $account): bool
+{
+    return isset(
+        $account['statement_start_month_offset'],
+        $account['statement_start_day'],
+        $account['statement_end_month_offset'],
+        $account['statement_end_day']
+    )
+    && $account['statement_start_month_offset'] !== null
+    && $account['statement_start_day'] !== null
+    && $account['statement_end_month_offset'] !== null
+    && $account['statement_end_day'] !== null
+    && (int)$account['statement_start_day'] >= 1
+    && (int)$account['statement_start_day'] <= 31
+    && (int)$account['statement_end_day'] >= 1
+    && (int)$account['statement_end_day'] <= 31;
+}
+
+function transaction_date_in_card_statement_month(array $account, string $transactionDate, string $billingYearMonth): bool
+{
+    $txTs = safe_date_ts($transactionDate);
+    if ($txTs === null) {
+        return false;
+    }
+
+    if (!account_has_statement_period($account)) {
+        return false;
+    }
+
+    $start = card_month_day_date(
+        $billingYearMonth,
+        (int)$account['statement_start_month_offset'],
+        (int)$account['statement_start_day']
+    );
+
+    $end = card_month_day_date(
+        $billingYearMonth,
+        (int)$account['statement_end_month_offset'],
+        (int)$account['statement_end_day']
+    );
+
+    if (!$start || !$end) {
+        return false;
+    }
+
+    $tx = new DateTime(date('Y-m-d', $txTs));
+
+    return $tx >= $start && $tx <= $end;
+}
+
+function get_card_billing_year_month_by_statement_period(array $account, string $transactionDate): ?string
+{
+    $txTs = safe_date_ts($transactionDate);
+    if ($txTs === null) {
+        return null;
+    }
+
+    if (!account_has_statement_period($account)) {
+        return null;
+    }
+
+    $tx = new DateTime(date('Y-m-d', $txTs));
+
+    /*
+     * 청구월 기준 사용기간 예:
+     * 2026-05 청구월 = 2026-04-11 ~ 2026-05-10
+     *
+     * 거래일 주변의 청구월만 검사하면 됨.
+     * 전월/당월/익월/익익월까지 여유 있게 검사.
+     */
+    $base = new DateTime($tx->format('Y-m-01'));
+
+    for ($i = -1; $i <= 2; $i++) {
+        $candidate = clone $base;
+        if ($i !== 0) {
+            $candidate->modify(($i > 0 ? '+' : '') . $i . ' month');
+        }
+
+        $candidateYm = $candidate->format('Y-m');
+
+        if (transaction_date_in_card_statement_month($account, $transactionDate, $candidateYm)) {
+            return $candidateYm;
+        }
+    }
+
+    return null;
+}
+
+function get_card_billing_year_month(array $account, string $transactionDate): ?string
+{
+    if (($account['account_type'] ?? '') !== 'card') {
+        return null;
+    }
+
+    $ts = safe_date_ts($transactionDate);
+    if ($ts === null) {
+        return null;
+    }
+
+    $cardKind = normalize_card_kind($account);
+
+    // 체크카드는 즉시형으로 보고 거래월 그대로
+    if ($cardKind === 'check') {
+        return date('Y-m', $ts);
+    }
+
+    // 신용카드인데 신용공여기간 계산을 안 쓰면 거래월 그대로
+    if (empty($account['use_credit_grace_period'])) {
+        return date('Y-m', $ts);
+    }
+
+    // 신규 방식: 카드사별 실제 사용기간 설정 우선
+    $statementYm = get_card_billing_year_month_by_statement_period($account, $transactionDate);
+    if ($statementYm !== null) {
+        return $statementYm;
+    }
+
+    // fallback: 기존 billing_day 단순 방식
+    $billingDay = (int)($account['billing_day'] ?? 0);
+    if ($billingDay <= 0 || $billingDay > 31) {
+        return date('Y-m', $ts);
+    }
+
+    $dt = new DateTime(date('Y-m-d', $ts));
+    $day = (int)$dt->format('d');
+
+    if ($day <= $billingDay) {
+        return $dt->format('Y-m');
+    }
+
+    $dt->modify('first day of next month');
+    return $dt->format('Y-m');
+}
+
+function get_card_payment_date(array $account, string $billingYearMonth): ?string
+{
+    if (($account['account_type'] ?? '') !== 'card') {
+        return null;
+    }
+
+    if (!preg_match('/^\d{4}-\d{2}$/', $billingYearMonth)) {
+        return null;
+    }
+
+    $paymentDay = (int)($account['payment_day'] ?? 0);
+    if ($paymentDay <= 0 || $paymentDay > 31) {
+        return null;
+    }
+
+    [$year, $month] = explode('-', $billingYearMonth);
+    $year = (int)$year;
+    $month = (int)$month;
+
+    $firstDay = new DateTime(sprintf('%04d-%02d-01', $year, $month));
+    $lastDay = (int)$firstDay->format('t');
+    $day = min($paymentDay, $lastDay);
+
+    $firstDay->setDate($year, $month, $day);
+    return $firstDay->format('Y-m-d');
+}
+
+function get_card_statement_period_label(array $account): ?string
+{
+    if (!account_has_statement_period($account)) {
+        return null;
+    }
+
+    $startOffset = (int)$account['statement_start_month_offset'];
+    $startDay = (int)$account['statement_start_day'];
+    $endOffset = (int)$account['statement_end_month_offset'];
+    $endDay = (int)$account['statement_end_day'];
+
+    $monthText = function (int $offset): string {
+        if ($offset === -2) return '전전월';
+        if ($offset === -1) return '전월';
+        if ($offset === 0) return '당월';
+        if ($offset === 1) return '익월';
+        if ($offset === 2) return '익익월';
+        return $offset . '개월';
+    };
+
+    return $monthText($startOffset) . ' ' . $startDay . '일 ~ ' .
+           $monthText($endOffset) . ' ' . $endDay . '일 사용분';
+}
+
+function get_card_billing_label(array $account): string
+{
+    if (($account['account_type'] ?? '') !== 'card') {
+        return '-';
+    }
+
+    $cardKind = normalize_card_kind($account);
+
+    if ($cardKind === 'check') {
+        return '체크카드 · 즉시출금';
+    }
+
+    if ($cardKind === 'credit') {
+        $paymentDay = (int)($account['payment_day'] ?? 0);
+
+        if (!empty($account['billing_cycle_memo'])) {
+            return (string)$account['billing_cycle_memo'];
+        }
+
+        $periodLabel = get_card_statement_period_label($account);
+        if ($periodLabel !== null && $paymentDay > 0) {
+            return '신용카드 · ' . $periodLabel . ' / 납부일 ' . $paymentDay . '일';
+        }
+
+        if ($periodLabel !== null) {
+            return '신용카드 · ' . $periodLabel;
+        }
+
+        $billingDay = (int)($account['billing_day'] ?? 0);
+        if ($billingDay > 0 && $paymentDay > 0) {
+            return '신용카드 · 결제기준일 ' . $billingDay . '일 / 납부일 ' . $paymentDay . '일';
+        }
+
+        return '신용카드';
+    }
+
+    return '카드';
+}