financial/public/account_edit.php

<?php
require_once __DIR__ . '/../app/lib/auth.php';
require_once __DIR__ . '/../app/lib/db.php';
require_once __DIR__ . '/../app/lib/helpers.php';
require_once __DIR__ . '/../app/lib/account_service.php';

check_auth();

$pdo = db();
$uid = user_id();
$id = (int)($_GET['id'] ?? 0);
$error = '';

$stmt = $pdo->prepare("SELECT * FROM accounts WHERE id = ? AND user_id = ?");
$stmt->execute([$id, $uid]);
$account = $stmt->fetch();

if (!$account) {
    exit('계좌를 찾을 수 없습니다.');
}

if ($_SERVER['REQUEST_METHOD'] === 'POST') {
    try {
        $accountType = $_POST['account_type'] ?? '';
        $institutionName = trim($_POST['institution_name'] ?? '');
        $accountName = trim($_POST['account_name'] ?? '');
        $openingBalance = (float)str_replace(',', '', (string)($_POST['opening_balance'] ?? 0));
        $isActive = isset($_POST['is_active']) ? 1 : 0;

        $cardKind = $_POST['card_kind'] ?? null;
        $billingDay = !empty($_POST['billing_day']) ? (int)$_POST['billing_day'] : null;
        $paymentDay = !empty($_POST['payment_day']) ? (int)$_POST['payment_day'] : null;
        $useCreditGracePeriod = !empty($_POST['use_credit_grace_period']) ? 1 : 0;
        $billingCycleMemo = trim($_POST['billing_cycle_memo'] ?? '');

        $statementStartMonthOffset = isset($_POST['statement_start_month_offset']) && $_POST['statement_start_month_offset'] !== ''
            ? (int)$_POST['statement_start_month_offset']
            : null;
        $statementStartDay = !empty($_POST['statement_start_day']) ? (int)$_POST['statement_start_day'] : null;
        $statementEndMonthOffset = isset($_POST['statement_end_month_offset']) && $_POST['statement_end_month_offset'] !== ''
            ? (int)$_POST['statement_end_month_offset']
            : null;
        $statementEndDay = !empty($_POST['statement_end_day']) ? (int)$_POST['statement_end_day'] : null;

        if (!in_array($accountType, ['bank', 'card', 'cash', 'other'], true)) {
            throw new RuntimeException('계정 유형이 올바르지 않습니다.');
        }

        if ($institutionName === '' || $accountName === '') {
            throw new RuntimeException('기관명과 계좌명을 입력하세요.');
        }

        if ($accountType !== 'card') {
            $cardKind = null;
            $billingDay = null;
            $paymentDay = null;
            $useCreditGracePeriod = 0;
            $billingCycleMemo = null;
            $statementStartMonthOffset = null;
            $statementStartDay = null;
            $statementEndMonthOffset = null;
            $statementEndDay = null;
        } else {
            if (!in_array($cardKind, ['credit', 'check'], true)) {
                throw new RuntimeException('카드 종류를 선택하세요.');
            }

            if ($cardKind === 'check') {
                $billingDay = null;
                $paymentDay = null;
                $useCreditGracePeriod = 0;
                $billingCycleMemo = '즉시출금';
                $statementStartMonthOffset = null;
                $statementStartDay = null;
                $statementEndMonthOffset = null;
                $statementEndDay = null;
            }

            if ($cardKind === 'credit') {
                if ($paymentDay === null || $paymentDay < 1 || $paymentDay > 31) {
                    throw new RuntimeException('납부일은 1~31 사이여야 합니다.');
                }

                if ($useCreditGracePeriod) {
                    if ($statementStartMonthOffset === null || $statementEndMonthOffset === null) {
                        throw new RuntimeException('사용기간의 시작/종료 월 기준을 선택하세요.');
                    }

                    if ($statementStartDay === null || $statementStartDay < 1 || $statementStartDay > 31) {
                        throw new RuntimeException('사용기간 시작일은 1~31 사이여야 합니다.');
                    }

                    if ($statementEndDay === null || $statementEndDay < 1 || $statementEndDay > 31) {
                        throw new RuntimeException('사용기간 종료일은 1~31 사이여야 합니다.');
                    }
                } else {
                    $statementStartMonthOffset = null;
                    $statementStartDay = null;
                    $statementEndMonthOffset = null;
                    $statementEndDay = null;
                }

                if ($billingCycleMemo === '') {
                    $billingCycleMemo = null;
                }

                if ($billingDay !== null && ($billingDay < 1 || $billingDay > 31)) {
                    throw new RuntimeException('구형 결제기준일은 1~31 사이여야 합니다.');
                }
            }
        }

        $stmt = $pdo->prepare("
            UPDATE accounts
            SET
                account_type = ?,
                institution_name = ?,
                account_name = ?,
                opening_balance = ?,
                is_active = ?,
                card_kind = ?,
                billing_day = ?,
                payment_day = ?,
                use_credit_grace_period = ?,
                statement_start_month_offset = ?,
                statement_start_day = ?,
                statement_end_month_offset = ?,
                statement_end_day = ?,
                billing_cycle_memo = ?
            WHERE id = ?
              AND user_id = ?
        ");
        $stmt->execute([
            $accountType,
            $institutionName,
            $accountName,
            $openingBalance,
            $isActive,
            $cardKind,
            $billingDay,
            $paymentDay,
            $useCreditGracePeriod,
            $statementStartMonthOffset,
            $statementStartDay,
            $statementEndMonthOffset,
            $statementEndDay,
            $billingCycleMemo,
            $id,
            $uid
        ]);

        recalculate_account_balance($id);

        redirect('/accounts.php');
    } catch (Throwable $e) {
        $error = $e->getMessage();
    }
}

require __DIR__ . '/../app/views/header.php';
?>

<div class="page-head">
    <h2>계좌 / 카드 수정</h2>
    <a href="/accounts.php" class="btn btn-outline-secondary">목록</a>
</div>

<?php if ($error): ?>
<div class="alert alert-danger"><?= h($error) ?></div>
<?php endif; ?>

<div class="card finance-card">
    <div class="card-body">
        <form method="post" class="row g-3" id="accountEditForm">
            <div class="col-12 col-md-4">
                <label class="form-label">유형</label>
                <select name="account_type" id="account_type" class="form-select" required>
                    <?php foreach (['bank'=>'은행계좌','card'=>'카드','cash'=>'현금','other'=>'기타'] as $k => $v): ?>
                        <option value="<?= $k ?>" <?= $account['account_type'] === $k ? 'selected' : '' ?>><?= $v ?></option>
                    <?php endforeach; ?>
                </select>
            </div>

            <div class="col-12 col-md-4">
                <label class="form-label">기관명</label>
                <input type="text" name="institution_name" class="form-control" value="<?= h($account['institution_name']) ?>" required>
            </div>

            <div class="col-12 col-md-4">
                <label class="form-label">계좌명</label>
                <input type="text" name="account_name" class="form-control" value="<?= h($account['account_name']) ?>" required>
            </div>

            <div class="col-12 col-md-4">
                <label class="form-label">시작 잔액</label>
                <input type="text" name="opening_balance" id="opening_balance" class="form-control" inputmode="numeric" value="<?= h(money_plain($account['opening_balance'])) ?>" required>
            </div>

            <div class="col-12 col-md-4 d-flex align-items-end">
                <div class="form-check">
                    <input class="form-check-input" type="checkbox" name="is_active" id="is_active" <?= $account['is_active'] ? 'checked' : '' ?>>
                    <label class="form-check-label" for="is_active">활성</label>
                </div>
            </div>

            <div class="col-12" id="card_setting_wrap" style="display:none;">
                <div class="loan-create-highlight">
                    <div class="title">카드 설정</div>
                    <div class="desc">
                        카드사/결제일마다 신용공여기간이 다르므로 사용기간을 직접 설정합니다.
                    </div>

                    <div class="row g-3 mt-1">
                        <div class="col-12 col-md-3">
                            <label class="form-label">카드 종류</label>
                            <select name="card_kind" id="card_kind" class="form-select">
                                <option value="">선택하세요</option>
                                <option value="credit" <?= ($account['card_kind'] ?? '') === 'credit' ? 'selected' : '' ?>>신용카드</option>
                                <option value="check" <?= ($account['card_kind'] ?? '') === 'check' ? 'selected' : '' ?>>체크카드</option>
                            </select>
                        </div>

                        <div class="col-12 col-md-3 credit-only">
                            <label class="form-label">납부일</label>
                            <input type="number" name="payment_day" id="payment_day" class="form-control" min="1" max="31" value="<?= h((string)($account['payment_day'] ?? '')) ?>" placeholder="예: 25">
                        </div>

                        <div class="col-12 col-md-3 credit-only d-flex align-items-end">
                            <div class="form-check">
                                <input class="form-check-input" type="checkbox" name="use_credit_grace_period" id="use_credit_grace_period" value="1" <?= !empty($account['use_credit_grace_period']) ? 'checked' : '' ?>>
                                <label class="form-check-label" for="use_credit_grace_period">신용공여기간 계산 사용</label>
                            </div>
                        </div>

                        <div class="col-12 credit-only">
                            <hr>
                            <div class="fw-bold mb-2">청구월 기준 사용기간</div>
                            <div class="form-text mb-3">
                                예: 결제일 25일 기준 IBK는 “전월 11일 ~ 당월 10일 사용분” → 시작 월 기준 전월 / 시작일 11 / 종료 월 기준 당월 / 종료일 10
                            </div>
                        </div>

                        <div class="col-12 col-md-3 credit-period-only">
                            <label class="form-label">시작 월 기준</label>
                            <select name="statement_start_month_offset" class="form-select">
                                <?php foreach ([-2=>'전전월', -1=>'전월', 0=>'당월', 1=>'익월'] as $k => $v): ?>
                                    <option value="<?= $k ?>" <?= (string)($account['statement_start_month_offset'] ?? '') === (string)$k ? 'selected' : '' ?>><?= $v ?></option>
                                <?php endforeach; ?>
                            </select>
                        </div>

                        <div class="col-12 col-md-3 credit-period-only">
                            <label class="form-label">시작일</label>
                            <input type="number" name="statement_start_day" class="form-control" min="1" max="31" value="<?= h((string)($account['statement_start_day'] ?? '')) ?>" placeholder="예: 11">
                        </div>

                        <div class="col-12 col-md-3 credit-period-only">
                            <label class="form-label">종료 월 기준</label>
                            <select name="statement_end_month_offset" class="form-select">
                                <?php foreach ([-2=>'전전월', -1=>'전월', 0=>'당월', 1=>'익월'] as $k => $v): ?>
                                    <option value="<?= $k ?>" <?= (string)($account['statement_end_month_offset'] ?? '') === (string)$k ? 'selected' : '' ?>><?= $v ?></option>
                                <?php endforeach; ?>
                            </select>
                        </div>

                        <div class="col-12 col-md-3 credit-period-only">
                            <label class="form-label">종료일</label>
                            <input type="number" name="statement_end_day" class="form-control" min="1" max="31" value="<?= h((string)($account['statement_end_day'] ?? '')) ?>" placeholder="예: 10">
                        </div>

                        <div class="col-12 credit-only">
                            <label class="form-label">신용공여기간 메모</label>
                            <input type="text" name="billing_cycle_memo" class="form-control" value="<?= h($account['billing_cycle_memo'] ?? '') ?>" placeholder="예: 전월 11일 ~ 당월 10일 사용분">
                        </div>

                        <div class="col-12 credit-only">
                            <div class="alert alert-info mb-0">
                                결제일 25일 기준 예시:
                                IBK 신용카드 = 전월 11일 ~ 당월 10일,
                                우리카드 = 전월 12일 ~ 당월 11일.
                                신규 카드사는 카드사 안내표를 보고 직접 입력하면 됩니다.
                            </div>
                        </div>

                        <div class="col-12 check-only" style="display:none;">
                            <div class="alert alert-secondary mb-0">
                                체크카드는 신용공여기간 없이 거래월 기준으로 반영됩니다.
                            </div>
                        </div>
                    </div>
                </div>
            </div>

            <div class="col-12 d-flex flex-wrap gap-2">
                <button class="btn btn-primary">저장</button>
                <a href="/accounts.php" class="btn btn-outline-secondary">목록</a>
            </div>
        </form>
    </div>
</div>

<script>
(function () {
    const accountTypeEl = document.getElementById('account_type');
    const cardWrapEl = document.getElementById('card_setting_wrap');
    const cardKindEl = document.getElementById('card_kind');
    const creditOnlyEls = document.querySelectorAll('.credit-only');
    const creditPeriodOnlyEls = document.querySelectorAll('.credit-period-only');
    const checkOnlyEls = document.querySelectorAll('.check-only');
    const useGraceEl = document.getElementById('use_credit_grace_period');
    const openingBalanceEl = document.getElementById('opening_balance');

    function formatWithComma(value) {
        const normalized = String(value || '').replace(/,/g, '').replace(/[^\d.-]/g, '');
        if (normalized === '' || normalized === '-') return normalized;
        const negative = normalized.startsWith('-');
        const raw = negative ? normalized.slice(1) : normalized;
        const parts = raw.split('.');
        parts[0] = parts[0].replace(/\B(?=(\d{3})+(?!\d))/g, ',');
        return (negative ? '-' : '') + parts.join('.');
    }

    function setDisplay(nodes, visible) {
        nodes.forEach(el => el.style.display = visible ? '' : 'none');
    }

    function toggleCardSettings() {
        const isCard = accountTypeEl.value === 'card';
        const isCredit = cardKindEl.value === 'credit';
        const isCheck = cardKindEl.value === 'check';
        const useGrace = useGraceEl && useGraceEl.checked;

        cardWrapEl.style.display = isCard ? '' : 'none';

        if (!isCard) {
            return;
        }

        setDisplay(creditOnlyEls, isCredit);
        setDisplay(checkOnlyEls, isCheck);
        setDisplay(creditPeriodOnlyEls, isCredit && useGrace);
    }

    openingBalanceEl.addEventListener('input', function () {
        this.value = formatWithComma(this.value);
    });

    document.getElementById('accountEditForm').addEventListener('submit', function () {
        openingBalanceEl.value = openingBalanceEl.value.replace(/,/g, '');
    });

    accountTypeEl.addEventListener('change', toggleCardSettings);
    cardKindEl.addEventListener('change', toggleCardSettings);
    if (useGraceEl) {
        useGraceEl.addEventListener('change', toggleCardSettings);
    }

    toggleCardSettings();
})();
</script>

<?php require __DIR__ . '/../app/views/footer.php'; ?>