financial/public/accounts.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/card_billing_service.php';

check_auth();

$pdo = db();
$uid = user_id();

$ym = $_GET['ym'] ?? date('Y-m');
$nextYm = date('Y-m', strtotime($ym . '-01 +1 month'));

$stmt = $pdo->prepare("
    SELECT *
    FROM accounts
    WHERE user_id = ?
    ORDER BY FIELD(account_type, 'bank', 'card', 'cash', 'other'), id ASC
");
$stmt->execute([$uid]);
$accounts = $stmt->fetchAll();

$cardDueMap = [];

$stmt = $pdo->prepare("
    SELECT
        t.account_id,
        t.billing_year_month,
        COALESCE(SUM(t.amount),0) total_amount
    FROM transactions t
    JOIN accounts a ON a.id=t.account_id
    WHERE t.user_id=?
      AND t.transaction_type='expense'
      AND a.account_type='card'
      AND a.card_kind='credit'
      AND COALESCE(t.is_installment,0)=0
      AND t.billing_year_month IN (?,?)
    GROUP BY t.account_id,t.billing_year_month
");
$stmt->execute([$uid,$ym,$nextYm]);

foreach ($stmt->fetchAll() as $row) {
    $aid = (int)$row['account_id'];
    $billYm = $row['billing_year_month'];

    $cardDueMap[$aid][$billYm] =
        ($cardDueMap[$aid][$billYm] ?? 0) + (float)$row['total_amount'];
}

$stmt = $pdo->prepare("
    SELECT
        i.account_id AS account_id,
        s.bill_year_month,
        COALESCE(SUM(s.total_amount),0) total_amount
    FROM installment_schedules s
    JOIN installments i ON i.id=s.installment_id
    WHERE i.user_id=?
      AND s.is_billed=0
      AND s.total_amount>0
      AND s.bill_year_month IN (?,?)
    GROUP BY i.account_id,s.bill_year_month
");
$stmt->execute([$uid,$ym,$nextYm]);

foreach ($stmt->fetchAll() as $row) {
    $aid = (int)$row['account_id'];
    $billYm = $row['bill_year_month'];

    $cardDueMap[$aid][$billYm] =
        ($cardDueMap[$aid][$billYm] ?? 0) + (float)$row['total_amount'];
}

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

<div class="page-head">
    <h2>계좌 / 카드 현황</h2>
    <div class="d-flex gap-2">
        <form method="get" class="d-flex gap-2">
            <input type="month" name="ym" class="form-control" value="<?= h($ym) ?>">
            <button class="btn btn-outline-primary">조회</button>
        </form>
        <a href="/account_create.php" class="btn btn-primary">추가</a>
    </div>
</div>

<div class="row g-3">
    <?php foreach ($accounts as $account): ?>
        <?php
        $isCard = $account['account_type'] === 'card';
        $cardKind = $account['card_kind'] ?? null;
        $thisMonthDue = $cardDueMap[(int)$account['id']][$ym] ?? 0;
        $nextMonthDue = $cardDueMap[(int)$account['id']][$nextYm] ?? 0;
        ?>
        <div class="col-12 col-md-6 col-xl-4">
            <div class="card finance-card h-100">
                <div class="card-body">
                    <div class="d-flex justify-content-between align-items-start gap-3 mb-2">
                        <div>
                            <div class="eyebrow">
                                <?= h(blank_to_dash($account['institution_name'])) ?> / <?= h($account['account_type']) ?>
                            </div>
                            <div class="card-title-lg"><?= h($account['account_name']) ?></div>
                        </div>

                        <span class="badge <?= $account['is_active'] ? 'text-bg-success' : 'text-bg-secondary' ?>">
                            <?= $account['is_active'] ? 'active' : 'inactive' ?>
                        </span>
                    </div>

                    <?php if ($isCard): ?>
                        <div class="mb-3">
                            <span class="badge <?= $cardKind === 'credit' ? 'text-bg-warning' : 'text-bg-info' ?>">
                                <?= $cardKind === 'credit' ? '신용카드' : ($cardKind === 'check' ? '체크카드' : '카드') ?>
                            </span>
                        </div>

                        <?php if ($cardKind === 'credit'): ?>
                            <div class="row g-3">
                                <div class="col-6">
                                    <div class="stat-label"><?= h($ym) ?> 청구예정</div>
                                    <div class="stat-value text-danger"><?= won($thisMonthDue) ?></div>
                                </div>
                                <div class="col-6">
                                    <div class="stat-label"><?= h($nextYm) ?> 이월예정</div>
                                    <div class="stat-value"><?= won($nextMonthDue) ?></div>
                                </div>

                                <div class="col-6">
                                    <div class="stat-label">결제기준일</div>
                                    <div class="stat-value">
                                        <?= !empty($account['billing_day']) ? intvalf($account['billing_day']) . '일' : '-' ?>
                                    </div>
                                </div>
                                <div class="col-6">
                                    <div class="stat-label">납부일</div>
                                    <div class="stat-value">
                                        <?= !empty($account['payment_day']) ? intvalf($account['payment_day']) . '일' : '-' ?>
                                    </div>
                                </div>
                            </div>

                            <div class="small text-secondary mt-3">
                                <?= h(get_card_billing_label($account)) ?>
                            </div>
                        <?php else: ?>
                            <div class="stat-label">체크카드 잔액 기준</div>
                            <div class="stat-value text-primary"><?= won($account['current_balance']) ?></div>
                            <div class="small text-secondary mt-2">체크카드는 신용공여기간 없이 거래월 기준으로 반영됩니다.</div>
                        <?php endif; ?>
                    <?php else: ?>
                        <div class="stat-label">현재 잔액</div>
                        <div class="stat-value text-primary"><?= won($account['current_balance']) ?></div>
                    <?php endif; ?>

                    <div class="mt-3 d-flex gap-2">
                        <a href="/account_edit.php?id=<?= $account['id'] ?>" class="btn btn-sm btn-outline-primary">수정</a>
                    </div>
                </div>
            </div>
        </div>
    <?php endforeach; ?>

    <?php if (!$accounts): ?>
        <div class="col-12">
            <div class="card finance-card">
                <div class="card-body empty-state">등록된 계좌/카드가 없습니다.</div>
            </div>
        </div>
    <?php endif; ?>
</div>

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